swisspartners services
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D | E | S
We support you in reaching your goals
Overview of contents
Editorial 3
Group companies 4
Mission statement 4
Client service 5
Asset management 6
Consultation 8
Investment philosophy 8
Structuring 11
Tax consultancy 12
Succession planning 13
Family services 13
Locations 14
In the interests of the clientIn the search for a safe haven for your client assets,
the focus falls on independent asset managers. In the
current environment many people with assets are
aware of what it means to be independent of the banks
and to have the option of combining the services of
various providers in an optimum fashion. It is precisely
this added value that independent asset managers
are able to offer – thereby clearly differentiating them-
selves from the traditional banking model.
Maintaining reputationIt is primarily modern business models that will prove
their worth in the future. Not too big, so that they
can adapt flexibly to the quickly changing framework
conditions. But also not too small, as sufficient specialists
and resources must be available in order to fulfil the
regulatory and technological requirements. Today this
is an important requirement to ensure that both the
company and its clients retain an unblemished reputation.
At swisspartners, clients and their ideas are at the
centre of the business model. Maintaining capital and
security are top priorities for us. And our domicile
underlines this motto, as Switzerland and Liechtenstein
are today perceived as stable and secure countries
more than ever before.
Editorial
“ Nowadays investors recognise the value of independent asset manage-ment more than ever.”
Markus Wintsch, CEO
Wealthy families and companies need more than
traditional asset management. Often their assets are
tied up in companies, investments, real estate, art
collections, jewellery and other commodities. In addition,
these are often spread over different countries and
legal spheres. This also applies to family members who
can find themselves in the most disparate of life
situations and correspondingly have very specific and
exclusive needs.
Optimisation across borders and generationsIt is the task of swisspartners’ specialists to manage and
optimise complex asset and family situations across
borders and generations. This also requires professional
asset management. In addition, swisspartners under -
stands how to structure the most diverse asset situations
and has at its disposal its own teams of experts in
the areas of law, tax, fiduciary services and insurance.
Personal contactEach of our clients has a personal contact who under-
stands the individual needs of his clients extremely well,
coordinates specialists behind the scenes and
reacts proactively to all the different changes. “Everything
from a single source” is swisspartners’ motto. So
our clients are able to dedicate themselves to their ideas
and interests.
swisspartners’ business model is built on trust. Trust is
earned by those who have shown years of respect,
loyalty and fairness to their clients, who understand their
needs and act professionally and are free from any
conflicts of interests. Thanks to open communications and
transparent reporting swisspartners creates additional
trust. Moreover, this trust is strengthened if we succeed
in managing our clients’ assets safely and securely not
just in the good times but also in the bad, so that they still
achieve their long-term goals.
Competent both professionally and ethicallyIn order to generate the relevant added value on a
continuous basis, a number of factors have to be right.
swisspartners expects its advisors to have not only
the highest professional qualifications but also to adhere
to the highest ethical standards. Our advisors act and
think in an entrepreneurial manner and communicate
with their clients as equals. A good ability for self-assess-
ment is also part of the catalogue of attributes for our
advisors – based on this we can identify any weaknesses
and eliminate them by bringing in external specialists
and third party products.
Security and stabilityIn uncertain times security is more important than
ever. Therefore risk management is particularly highly
valued in our tried-and-tested investment process.
swisspartners’ internal compliance specialists assess
the increasingly complex international regulatory
environment from the perspective of the security of
our clients. swisspartners’ domicile in Switzerland
and Liechtenstein also plays its part in creating stable
client relationships.
More than asset manage-ment
Trust is the most valuable asset
Group companies Mission statement
4
We do not start from square one but we optimise
the existing situation and build from that. Long-standing
successful banking relationships should continue to
be used, insofar as this is possible and makes sense. The
same applies for asset allocation and other dispositions.
Wherever it is possible to generate added value, these
processes are optimised. From a geographical perspective
too, swisspartners is flexible and mobile. Its advisors
come to you, you are not expected to go to them.
Our location in Liechtenstein means we have access
to the whole EU market. This is another factor that
differentiates us from many other banks and financial
services providers.
Multinational and multicultural mindsetOur advisors have a multinational and multicultural
mindset. They understand the needs of their clients who
operate both nationally and internationally, as well as
the sometimes multicultural challenges of complex family
and company structures. swisspartners coordinates,
consolidates and optimises the most complex of asset
relationships. Many clients have a special relationship
with Switzerland or Liechtenstein as they either live
here already or they have a long-term plan to move to
these alpine regions in the future. swisspartners
also boasts a great deal of experience and expertise
in this area.
Support across the generationsIf required, swisspartners will support its clients across
the generations. The focus in this is to secure the
assets across the years, with corresponding pension
provision and succession planning. We have the
necessary sensitivity and range of products to be able
to support our clients in even very personal matters,
or in difficult and highly delicate situations.
Generate added value by optimisation
Client service
“ Only those people who have shown respect, loyalty and fairness over the years deserve trust.”
Martin P. Egli, Partner
5
In order to maintain and increase capital over the long
term, four fundamental factors are essential: a team with
experienced and level-headed investment specialists,
a structured, disciplined investment process, legal experts,
who ensure that the increasingly stringent regulatory
and tax provisions are complied with, as well as modern
information technology. An important part in all this is
risk management that protects the assets from long and
short-term losses.
Complex framework requirementsThe increasingly complex legal and economic framework
requirements make it difficult for private investors and
small asset managers to offer all these factors from
a single source. For swisspartners, as the leading com-
pany in this sector, this is, of course, a sine qua non.
Our advisors implement an investment process that is
managed by independent specialists. It takes into
account the individual goals of each client, is updated
in line with the latest requirements on an ongoing basis
and delivers demonstrably solid long-term results.
The heart of this is formed by our Investment Committee,
whose main task is the constant analysis of the invest-
ment markets and the regular adjustment of the strategic
portfolio structures.
Clear opinionThe investment world is far less rational than is often
assumed, however. Political and economic influences as
well as mass psychology can influence the markets
over the long or short term and push fundamental factors
into the background. Coming to the right conclusions
requires a great deal of sensitivity and a clear opinion.
swisspartners provides market assessments on an
ongoing basis. These can be in private discussions or via
our publications partners’ view and investment flash.
Asset management
A lot of experience, discipline and a thought- through process
The first discussions, the choice of the correct advisor
and the thought-through structure of the mandate
form the basis for a long-term, successful client relation-
ship. The consultancy process starts with the analysis
of the financial and personal situation of the client, his
needs and expectations as well as the individual risk
profile. Armed with this information the personal advisor
drafts a solution concept and supports the client in evalu-
ating and selecting the optimum fee model.
Consultancy and asset management mandateEvery client decides for him or herself, which services
he would like to take advantage of in the management
of his assets: active consultancy, in which the client makes
the investment decisions, or a comprehensive asset
management mandate in which swisspartners actively
manages the assets with clearly defined limits; naturally
with a maximum of transparency.
Comprehensive advice and special mandatesIn the structuring of the mandate swisspartners goes
one step beyond asset management and offers
personalised services to the level of Family Office, in
which clients can also be supported in very personal
matters. This includes individualised reports that illustrate
cross-bank asset situations amongst other things.
Also non-monetary assets such as real estate, vehicles
and art collections are consolidated in this.
Good start as the solid basis for success
Consultation
swisspartners acts according to the maxim: continuity
and consistency. This affects all our services and is
reflected in the heart of our activities – the investment
process. This is not geared towards short-term gain,
but towards capital maintenance, tax optimisation and
long-term growth. This requires solid risk hedging,
which is achieved by avoiding certain investments as
well as by broad diversification over asset classes,
strategies and regions.
Ability to react quicklySince the economic and political framework conditions
can change quickly, the investment process must
be able to follow the changes equally dynamically. Thus
the monitoring of the assets becomes of crucial
importance. The risk-return profile and the regulatory
characteristics of investments can change very quickly
nowadays and require adjustments just as quickly.
Ongoing monitoringThe same applies for the personal environment of our
clients. The larger a family is and the more differentiated
the interests and orientations of the individual members,
the more complex the structure of the provisions in
the personal risk profile are likely to be. Thus not only the
investment profile but also the family risk profile needs
to be constantly monitored and optimised. This kind
of optimisation can only be offered by specialist providers
with the requisite expert knowledge and technical support.
Continuity and consistency
Investment philosophy
8
“ Capital maintenance not short-term gain, determines our thinking.”
Peter Ahluwalia, Partner
9
“ The first meetings are decisive for long-term success.”
Jos Raafs, Partner
For every fortune the appropriate legal form
In order to be efficiently managed and invested, large
family fortunes require a very specific structure.
International fortunes have investment, legal and tax
characteristics that have to be aligned with the client’s
needs. However, the local guidelines in all the countries
affected must also be taken into account. Also family
factors such as succession and inheritance agreements
influence the optimum structure of a family fortune.
Individual solutionsBy implementing instruments such as holding structures,
foundations, trusts, life insurance companies and invest-
ment funds through to change of domicile, swisspartners
creates individual solutions that are appropriate for
the needs of wealthy families.
Investment Integrity AuditWith the Investment Integrity Audit service even very
complex asset relationships can be optimised and
full transparency, even to the level of individual invest-
ments, can be guaranteed. This includes all of the
client’s assets that are managed by banks, asset manag -
ers and fiduciaries. Thanks to this comprehensive
analysis the client receives transparency regarding the
performance, the compliance with the investment guide-
lines and the costs of all his consultancy mandates.
Structuring
The development of a family fortune is not dependent
on the performance of the investments alone, but also on
the tax environment. Tax is levied at many levels: assets,
income and capital gains, consumption, gifts and
inheritance. When transferring the place of residence
abroad, exit taxes are often levied as well. If the family
members live in different countries, they can be liable
to double taxation if there is no corresponding agreement
between the countries. Thus maintaining the assets
becomes a serious challenge.
Legal certainty and protection of reputationIn order to optimise the tax burden, constant monitoring
of the assets is recommended, taking into account the
tax domiciles of all the family members. swisspartners has
a great deal of expertise in the legal questions that can
present themselves within this context and has a network
of external specialists to fall back on if need be. Our
solutions strive to achieve not only tax optimisation but at
the same time to guarantee legal certainty and to offer
protection against reputational damage.
Internal coordinationswisspartners operates as a technically expert coordi -
nator with selected international tax and legal advisors,
thereby generating considerable time savings for its
clients. Particularly in the case of a change of domicile
abroad, the asset structure must be planned for the
long term and reorganised. It is worth taking advantage
of double taxation agreements and optimising inter-
national withholding tax charges in the securities deposit.
swisspartners supports its clients actively in the case of
a change of domicile, in particular if moving to Switzerland
or Liechtenstein. This includes services ranging from
property searches to negotiations with local tax authorities.
Minimise costs, maximise returns
Tax consultancy
“ We offer an all-in service and support our clients even
in sensitive issues.” Christian Rockstroh, Partner
12
The larger the fortune, the more diversified it can be
and the more efficiently and sustainably it can be man-
aged. Family fortunes once acquired should be kept
together as far as possible. The use of structured instru-
ments such as foundations, trusts or funds enables
swisspartners to guarantee well-being on the long term
and across the generations.
Life long supportOf course, in every case legally binding succession and
inheritance rules must be provided for. swisspartners
supports its clients in all aspects of this from the drawing
up to the execution of wills and supports you and your
family members even in sensitive matters.
Across the generationsLife insurance plays an important role not only in tax
optimisation but also in succession planning. Most
countries offer tax advantages for life insurance of a
provident nature. By structuring the contract carefully
it is possible to develop succession models that
have advantages for all the heirs. Insurance also allows
distant relatives or third parties to be designated as
beneficiaries in favourable fiscal terms. Clear, well com-
municated and legally binding succession planning
can serve to cushion or prevent inheritance disputes and
to strengthen the long-term stability of the family.
The insurance companies in the swisspartners Group
offer corresponding solutions.
Internationally connected families have a wide variety
of needs. These also include the requirements of various
domiciles and changes of residence, which is implicitly
bound up with real estate questions. swisspartners
deals with questions ranging from the advantages of
different locations to investment and administrative
details in the case of change of domicile.
Door opener functionOur service includes the finding and management of
nannies, cleaning personnel and craftsmen, the selection
of private schools or universities for the next generation
and the procurement of cars, yachts and aeroplanes.
We also offer support with the creation and expansion of
professional and private networks. swisspartners has
a far-reaching international network and access to many
organisations and professional figures. This enables
us in most cases to act as door openers and to arrange
contacts of all different kinds.
Everything from a single sourceswisspartners is the right partner even when it comes to
luxury goods, jewellery and antiques or the creation
and/or dissolution of art collections. We recommend ex-
perts, obtain second opinions and support our clients
in negotiations and contract conclusions. Everything from
a single source.
Maintenance of family and capital
Real estate advisors and networkers
Succession planning Family services
13
swisspartners Investment Network AGAm Schanzengraben 23
P.O. Box
CH-8022 Zürich
Phone +41 58 200 0 000
Fax +41 58 200 0 100
swisspartners Investment Network SArue Neuve-du-Molard 24
P.O. Box
CH-1211 Genève 3
Phone +41 58 200 0 200
Fax +41 58 200 0 210
swisspartners Wealth Management AGAm Schanzengraben 23
P.O. Box
CH-8022 Zürich
Phone +41 58 200 0 400
Fax +41 58 200 0 490
swisspartners Versicherung AGFeldstrasse 16
FL-9490 Vaduz
Phone +423 239 79 79
Fax +423 239 79 80
swisspartners (Liechtenstein) AGFeldstrasse 16
FL-9490 Vaduz
Phone +423 239 79 70
Fax +423 239 79 80
swisspartners Insurance Company SPC Ltd.94 Solaris Avenue, 2nd Floor, Camana Bay
P.O. Box 1125 Grand Cayman KY1-1101
Cayman Islands, B.W.I.
Phone +1 345 914 8914
Fax +1 345 949 0002
info@swisspartners.com
www.swisspartners.com
Locations and addresses of the swisspartners group
Locations
14
These statements are purely informative in nature and
do not constitute an offer, solicitation, or recommendation
on the part of swisspartners Investment Network AG.
swisspartners Investment Network AG cannot accept any
liability whatsoever regarding the adequacy, completeness,
and currency of factual information provided herein.
Any use of this document requires the written approval
of swisspartners Investment Network AG.
No liability can be assumed for damage or losses incurred,
in any, in conjunction with the use of this document.
© 2013 swisspartners Investment Network AG
Disclaimer
www.swisspartners.com
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