Pri­vate Invest­ment Advice

Plan­ning for the Medi­um to Long Term

In pro­vid­ing pri­vate invest­ment advice, we main­ly focus on plan­ning for our clients’ retire­ment and secur­ing their future.

Upon request, we will work with our coop­er­a­tion part­ners to pre­pare pri­vate finan­cial plans or ana­lyze the asset struc­tures of our pri­vate clients. We also shed light on finan­cial and invest­ment mod­els from a busi­ness and tax point of view to facil­i­tate under­stand­ing for our clients. Anoth­er key fea­ture of our con­sult­ing ser­vices for pri­vate client invest­ments is pro­vid­ing ear­ly advice on prop­er­ty suc­ces­sion, while nat­u­ral­ly tak­ing full account of the client’s wish­es, such as set­ting up a foundation.

Thanks to our tra­di­tion­al­ly trust­ing and close rela­tion­ships with our clients, we are also your ide­al part­ner when it comes to estate plan­ning or exe­cut­ing wills. Prepar­ing care­ful­ly con­sid­ered instruc­tions while you are still alive can avoid sub­se­quent dis­putes among your heirs to a large extent.

  •  Invest­ment Advice

Pri­vate client invest­ments are a key aspect of invest­ment advis­ing in gen­er­al. Invest­ments require con­sid­er­able fore­thought. This is all the more true for long-term invest­ment deci­sions. Our advi­so­ry ser­vices pro­vide you with the nec­es­sary overview regard­less of the invest­ment you choose.

  • Analy­sis of your exist­ing asset structure
  • Draw­ing up of long-term finan­cial plans
  • Advice on planned finan­cial and asset invest­ments, tak­ing into account tax issues
  • Prepa­ra­tion of pri­vate state­ments of assets and lia­bil­i­ties with pri­or-year comparisons
  • Prepa­ra­tion of annu­al cash flow state­ments for pri­vate individuals

  • Peri­od­ic mon­i­tor­ing of your asset situation
  • Sim­u­la­tion of spe­cif­ic risks, e.g., the inabil­i­ty to work
  • Sim­u­la­tion of var­i­ous scenarios
  • Inclu­sion of com­pa­ny pen­sion options
  • Sup­port in bank meetings

  • Detailed overview of your asset and finan­cial sit­u­a­tion, e.g., doc­u­ments for banks (vol­un­tary disclosure)
  • Inclu­sion of tax aspects in your wealth planning
  • Iden­ti­fi­ca­tion of pen­sion shortfalls
  • Bank-inde­pen­dent advis­ing, prod­uct-neu­tral invest­ment recommendations

  •  Prop­er­ty Suc­ces­sion Advice

Inher­i­tance and gift tax law is par­tic­u­lar­ly tricky for the lay­man and is also reg­u­lar­ly over­hauled. Those who don’t know what they’re doing often lose mon­ey. We inves­ti­gate your alter­na­tives and min­i­mize your finan­cial losses.

  • Estab­lish­ment of foundations*
  • Exe­cu­tion of wills
  • Advis­ing on planned asset trans­fers as part of antic­i­pat­ed suc­ces­sion to ensure the opti­mal uti­liza­tion of inher­i­tance and gift tax plan­ning options

* In coop­er­a­tion with our net­work of lawyers and notaries, when necessary

  • Wills and taxes*
  • Estate man­age­ment
  • Advice on future care such as liv­ing wills, durable pow­ers of attor­ney for health­care, etc.
  • Review of impor­tant contracts*
  • Accom­pa­ny­ing clients to meet­ings with Ger­man notaries

* In coop­er­a­tion with our net­work of lawyers and notaries, when necessary

  • Avoid­ance of addi­tion­al taxes
  • Avoid­ance of poten­tial inher­i­tance disputes
  • Imple­men­ta­tion of your per­son­al objectives
  • Smooth trans­fer of your assets to your heirs

  •  Trust Activities

Hand­ing over trust activ­i­ties requires a great degree of con­fi­dence. Treu­hand Hei­del­berg ensures that your inter­ests are reli­ably rep­re­sent­ed in com­pli­ance with all applic­a­ble statu­to­ry and con­trac­tu­al provisions.

  • Admin­is­tra­tion of assets and com­pa­ny shares in the func­tion of a guardian for minor children
  • Rep­re­sen­ta­tion of your or your company’s interests
  • Advi­so­ry board and super­vi­so­ry board activities

  • Advice on plan­ning in advance of entre­pre­neur­ial decisions
  • Review of contracts
  • Involve­ment of our net­work of lawyers and Ger­man notaries

  • Trust­ed indi­vid­ual becomes guardian or super­vi­so­ry board member
  • Sup­port for exer­cis­ing your rights as a shareholder
  • Opti­mal tax design by involve­ment of your minor children
  • Cer­tain­ty about the accept­abil­i­ty for tax pur­pos­es of structure