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Financial Planning
Through financial planning, our customers have a quantitative benefit (reduced expenses, return increase, tax advantages) on the one hand, and a qualitative benefit (better overview of financial situation and knowledge of how the intended objectives and wishes can be achieved) on the other hand.
Financial planning is an integrated advice service, a large area with many sub-areas, which is organised as a planning process that is systematically coordinated and consists of data collection, analysis and planning, documentation, support and implementation and periodic control.
Financial planning is to enable private individuals, households or companies, in their role as economically acting individuals, to describe in detail their financial objectives, caused by certain life events or expected life events, and to achieve them in the best possible way in consideration of specific financial, legal, personal and family preconditions and external conditions.
Private financial planning – lifetime goals
Real estate
Financial planning is an integrated advice service, a large area with many sub-areas, which is organised as a planning process that is systematically coordinated and consists of data collection, analysis and planning, documentation, support and implementation and periodic control.
Financial planning is to enable private individuals, households or companies, in their role as economically acting individuals, to describe in detail their financial objectives, caused by certain life events or expected life events, and to achieve them in the best possible way in consideration of specific financial, legal, personal and family preconditions and external conditions.
Private financial planning – lifetime goals
Real estate
- How much may the house cost?
- How high are regular carrying and maintenance costs?
- Which further costs could arise?
- How does the tax situation change?
Financing / other investments
- Shall (security) investments be sold or shall the mortgage be rated as high as possible?
- Which investments shall be sold and invested as own resources?
- Shall the mortgage be repaid or shall free resources be invested in securities?
- How can I go into business?
Inheritance / gift
- Shall the real estate be sold or donated to the children in the lifetime?
- Who shall receive the real estate after my death?
- Shall I ask my parents for a premature inheritance, a gift or a mortgage?
- How can I make my spouse benefit most?
Provision
- Is the income or property sufficient to maintain the real estate in the case of provision?
- Shall pension funds be used for the acquisition of the house, as premature receipt or as mort-gaging?
- Can financial obligations be fulfilled in the case of provision (invalidity, death, old age)?
- How shall I structure my private provision? Bank or insurance?
Capital formation
- Shall the real estate be amortised directly or indirectly?
- In case of indirect amortisation: How?
- Is the acquisition of real estate considered as capital formation?
Tax optimisation
- How can income taxes be reduced?
- What are the tax consequences of the acquisition/sale of real estate?
- How can I optimize my investments with regard to taxes?
- Will I be classified as professional securities dealer?
Retirement
- How high will pension be?
- Can I retire earlier?
- Shall pension or capital be derived from the pension fund?
- Does it make sense to maintain the mortgage after retirement?
