It's never too soon to start planning
Ces études s’adressent à l’ensemble de notre clientèle Private Banking domiciliée en Suisse. Chaque client fait face à des problématiques patrimoniales spécifiques qui appellent des réponses personnalisées. Une planification adéquate tient notamment compte de la situation familiale, des états financiers, des projets de vie et de leurs impacts sur le patrimoine au cours du temps.
À la BCV nous distinguons deux types de planifications financières:
L’objectif d’une planification financière est d’apporter de la visibilité, afin que nos clients puissent prendre leurs décisions en toute connaissance de cause.
Du moment où nous pouvons intégrer un événement ayant un impact financier, nous savons mesurer les changements qu’il induit sur l’évolution du patrimoine. La planification de retraite permet de répondre à des questions-clés, telles que :
La planification de constitution de patrimoine répond à une problématique encore plus vaste et, notamment, aux interrogations suivantes:
Comment se déroule une planification financière?
Le conseiller Private Banking est l’interlocuteur privilégié pour répondre aux attentes de son client. Il accompagne celui-ci vers un spécialiste de la planification qui détermine, avec eux, les grands axes de travail. Sur la base des informations et des documents récoltés, le planificateur réalise une étude personnalisée. Lors de la restitution de celle-ci, il rend ses conclusions et propose des mesures d’amélioration. Une mise à jour de la planification financière est conseillée tous les 3 à 5 ans.
The best way to make the most of your options is by planning ahead. How will you afford all those things you want to do in life? Are you paying too much in the way of taxes? How can you protect yourself and your family against what life might throw at you? How can you maintain your desired standard of living after retiring?
Get answers to these questions and more. Your BCV advisor may recommend financial planning, tax advisory services, retirement planning and/or a review of your personal insurance.
If you are looking to cut your tax bill – especially if you face decisions with major tax implications – speak to your BCV advisor. Your advisor will propose solutions tailored to your personal circumstances and financial situation.
You may want to save money now for retirement, future travel plans, hobbies, or simply for a rainy day. Or you may want to build up savings to pass on to your children or help a family member in need. Whatever your goals, our wealth management advisors can help you manage your day-to-day finances, start putting money aside, plan for retirement, buy property and make informed investment decisions. Naturally, their advice will take into account your tax and inheritance concerns.
It's never too early to start protecting your family from financial hardship and creating a financial cushion to shield them from life’s nasty surprises. Consider reviewing your pension, disability and life insurance coverage with the help of your BCV advisor, who will propose solutions tailored to your personal needs.
Retiring is a big step, and it needs to be planned well – and well ahead. Not only does it mark a major change in your lifestyle, it also has a big impact on your family and financial situation. Once you’ve turned 50, it is important to re-assess your retirement savings and shore them up if necessary. Your BCV advisor can help you with this.
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