Topic 6 of 8

Wealth Management & Asset Protection

The wealth strategy answers the question: “What should my wealth achieve for me?” Wealth management answers: “How do we put that into practice?” The two belong together, and both are guided by your goals in life.

Your wealth is the expression of your life's work. We structure it so that it makes a difference: for you, your family and your values.

  • Structuring your wealthDiversification, liquidity, planning: property, equities, bonds, business holdings and cash in the right proportions.
  • Asset protectionLegal, family and tax security for what you have built up.
  • International solutions & legal certaintyA global perspective where it makes sense.
  • Impact investing & philanthropyPutting capital to work with impact and conviction.
  • Ongoing managementRebalancing, liquidity management, tax optimisation, reporting.

Wealth strategy: the plan

A wealth strategy is long-term and might read, for example: 30 per cent property, 40 per cent equities, 10 per cent bonds, 10 per cent business holdings, 10 per cent cash. A withdrawal rate of no more than 3 per cent. Aim: preserve capital and offset inflation. Home today in Germany; in retirement, part of the year in the south. The strategy is reviewed every few years.

Typical questions

  • How much is my wealth today? How much should it be in 10, 20 or 30 years?
  • How much income do I need in retirement? How much risk can I bear?
  • What role does property play, and what role do equities play?
  • Do I want to preserve my wealth or grow it? Should it pass to the children?
  • How important are tax, liquidity and flexibility?

Wealth management: the implementation

This is about the daily, monthly and yearly decisions: selecting ETFs, funds and individual securities, rebalancing and reallocating, liquidity management, reserves, tax optimisation and reporting. To put it into practice, we work with custodian banks and asset managers, transparently and in a way you can follow.

An example

Mr M., aged 60, wealth of 2 million euros. Strategy: retire at 65, 8,000 euros net per month, keep the house, pass wealth on to the children, live part of the year in Greece. Management: securities account at Bank X, ETF Y, keep property Z, rebalance every quarter, optimise tax every year.

Frequently asked questions

Do you manage my wealth yourselves?

We develop the strategy with you and support the implementation. The management itself is handled by custodian banks and licensed asset managers from our network. The fee is agreed in advance.

Why does so much wealth sit in bank accounts?

Maturing life insurance policies, the old savings-book habit, convenience and unresolved basics such as powers of attorney. Once you resolve the disruptive factors, it becomes much easier to invest your wealth sensibly.

Related topics

03

Income Strategy & Retirement Planning

A secure income is the foundation of financial self-determination. Together we plan how you can generate stable, tax-efficient income from different sources in every stage of life, even as life expectancy rises.

Read more
05

Wealth Transfer & Estate Planning

Good planning does not end with your own life. Together we shape the handover, your estate and your family's wealth strategy so that values, responsibility and outlook are preserved.

Read more
08

Entrepreneurship, Engagement & Purpose

Financial independence gives you the power to shape things: in your work, in your family and in society. We help you integrate your other roles into your financial life.

Read more

Which topic still needs your attention?

The Check-Up shows you where you stand in three minutes.

Start the Check-Up Book a consultation