01 PRIVATE WEALTH
You have several investments
Do they still meet
your needs?
Will your investments provide the money you need
for your plans and future income?
Let's review what to keep and what to change
before your next investment.
4 questions · Immediate outcome · Without contact information
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Pass on your wealth
Tomorrow.
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- Directly with Gary
Private advice · Your priorities first
Investments opened at different times need to be reviewed together
-
Keep the money you need available
Set aside money for day-to-day needs and planned projects before deciding what you can invest for the longer term.
-
Know what your investments cost
Review fees, taxes and debt together before adding investments or changing your portfolio.
-
Decide what needs your attention first
Identify the decisions you need to make and the advisers to involve.
Before reinvesting a capital, selling a property or organizing a wealth transfer: clarify the consequences together, before signing.
02 OBJECTIVES
What would you like
to review first?
Every situation is different.
Choose the one closest to yours.
03 WHERE PROBLEMS CAN HIDE
Your assets have grown…
but do they work well together?
Some frailties are not seen at first sight.
01Money left idle without a clear purpose
Keep what you need available, then review what can be invested
Money left idle without a clear purpose
Keep what you need available, then review what can be investedQuestions to ask
- What money should remain available for your daily life?
- Which projects already have a defined horizon?
- What capital does not yet have a destination?
02Investments chosen without considering the rest
Check for overlapping risks, fees and restrictions
Investments chosen without considering the rest
Check for overlapping risks, fees and restrictionsQuestions to ask
- Do your investments fund separate goals?
- Do their horizons match your needs?
- Do you have an overview of their costs and constraints?
03Too much wealth tied up in property
What remains available if you need cash?
Too much wealth tied up in property
What remains available if you need cash?Questions to ask
- How much of your wealth is held in property?
- What resources remain available outside of real estate?
- How do debts and expenses relate to your projects?
04Retirement or inheritance plans with no timeline
Identify what needs preparing before the deadline approaches
Retirement or inheritance plans with no timeline
Identify what needs preparing before the deadline approachesQuestions to ask
- When could your income change?
- Which projects would you like to fund before then?
- What family decisions should be prepared together?
The risk is not just to invest badly.
It's about making a good, isolated decision.
which unbalances the rest.
04 ORGANISING YOUR CAPITAL
How much money will you need
and when?
Before choosing investments, decide when you will need the money and what it must pay for.
Four needs to discuss, with no preset allocation.
Review how my capital is organisedYour
wealth
05 INVESTMENTS & ACCOUNT TYPES
Should you change your investments?
Start with what you need them to do
The right starting point: your needs, your horizons and the links between your assets.
Liquidity
When will you need this money back?
Horizon
How long can you leave each investment in place?
Diversification
What does the balance of your investments really depend on?
Taxation
How does taxation relate to your overall situation?
Estate planning
Who do you want to provide for, and how?
Mobility
Is a change of country or situation envisaged?
Then choose the right type of account or policy
Life insurance, a PEA or a retirement plan: the right choice depends on your plans, tax position and when you need access to your money.
- Life insurance
- What role does this contract play in your projects, availability and wealth transfer?
- PEA
- Do its horizon, functioning and exposure correspond to the role you give it?
- PER
- How does this investment fit into your future income and availability needs?
- Securities account
- What are the goals, investment exposures and restrictions?
An international dimension to be examined? Understanding Luxembourg life insurance
A need for funding to be put into perspective? Understanding Lombard loan and its constraints
06 PROPERTY & FINANCIAL ASSETS
Does your property
earn enough income…
given what it costs you?
Your properties, loans and investments all affect what you can spend and invest.
real estateCapital
Financial
The points to look at together
Your home, rental properties, debt, returns, taxes, available cash, diversification and estate planning.
We can also discuss SCPI investments. They offer a different way to approach property, with fees, risk of loss and resale terms to understand.
What do your properties contribute to your plans? Which expenses must you be able to cover without selling?
07 WHEN WILL YOU NEED THE MONEY?
Plans, retirement, family:
do your savings need to cover several needs at once?
The same amount of wealth can need a very different plan depending on your spending needs and the dates that matter to you.
01Today
Review what you own, what you owe and how much is available.
02Projects
Connect each project to a horizon and the resources you want to devote to it.
03Future income
Identify the income changes to be prepared and the place of each asset.
04Retirement
Estimate the income you will need and what should remain accessible.
05Estate planning
Clarify your family intentions and decisions to coordinate over time.
08 YOUR WEALTH PLANNING QUESTIONNAIRE
What would you like
to discuss first?
Four questions to prepare the topics you would like to discuss with Gary.
Your answers stay in this browser. No investment recommendation is generated.
- 01Your topic
- 02Available capital
- 03Your current mix of assets
- 04Your timeframe
No document to prepare.
Your summary
Your situation deserves
to be read as a whole
Your context
Points to be clarified
The next useful step
These are the subjects to discuss with Gary, taking into account your plans, assets and commitments.
This summary prepares our conversation. It is not personalised advice or a product recommendation.
Talk to Gary — 40 min
09 OUR METHOD
How will we
work on
your situation?
We review what you own, what it costs and what you need from it. Then we agree on what to investigate and who needs to be involved.
See how the meeting takes place- 01
Understand your needs
Your situation, your plans and what matters to you.
- 02
Review
Your costs, commitments and the decisions you need to make.
- 03
Build your plan
What to do first, what can wait and what needs checking.
- 04
Coordinate / Follow up
The necessary expertise and developments in your situation.
A PLAN FOR ALL YOUR ASSETS
Investments, retirement, inheritance
Let's discuss your specific questions
Should you keep an investment, prepare your retirement or review a beneficiary clause? We start with your question and involve the specialists you need.
Identify the expertise to be coordinated- Asset allocation
- Connect each asset to a role.
- Property
- Review property alongside your other investments.
- Taxation
- Examine the overall consequences.
- Protection
- Clarify the needs of your loved ones.
- Retirement
- Prepare your future resources.
- Estate planning
- Put your intentions in perspective.
10 DISCUSS YOUR NEXT DECISION
You have investments,
but still have questions
Let's talk about what concerns you
before your next decision
Confidential · No engagement · Directly with Gary
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