By financial planning, we mean a comprehensive review of your finances, including investment and financing solutions, tax and family law and insurance options. It is simply about most things that affect your personal finances. Our own specialists, together with selected partners, help you and your family find the best solutions to build long-term values ​​just for you.

Based on the needs analysis and the bank's strategic allocation, we present a tailored investment proposal. We analyze the financial markets continuously and systematically, and fine-tune the investment proposal so that it always reflects our current market view.

As a Private Banking customer, you will be invited to at least two follow-up meetings per year with your Private Banker. At the meetings, we ensure that the needs analysis, which we have done together with you, is still relevant. We review the current market situation and make suggestions for adjustments and possible relocation.

Legal advice

An important part of your wealth planning is considering taxation and family law. In family law, our lawyers help you review your situation and ensure that important documents such as wills, prenuptial agreements and powers of attorney are in order.

As a Private Banking customer, you have access to legal advice for private individuals regarding family and inheritance law issues, as well as tax advice in connection with investments. A separate fee is charged for any legal documents that may be drawn up in accordance with the bank's current price list.

Investment insurance

Do you want to take advantage of savings life insurance's advantages in your savings and investments? Our insurance solutions can add various advantages to your investment. We cooperate with various companies in both mediation and management of savings life insurance. We can help you find the most suitable solution based on your needs and wishes regarding investment objects.

Investment insurance can offer you a tax-efficient solution. Within an insurance contract, you can change investment objects without paying any capital gains tax when changing investment objects. You only pay capital gains tax when you withdraw capital from the insurance.

The investment insurances have a life cover, which means that with a beneficiary designation you can decide who is the beneficiary of the funds in the life insurance.

Asset management insurance

Asset management insurance combines discretionary asset management with insurance placement.

It enables tax-efficient investments during the insurance period and when you want to plan the transfer of assets to the next generation. You get a wide selection of investment objects in, for example, funds, shares and commercial paper. You can change investment objects within the insurance without tax consequences. You can also withdraw the amount you invested in the insurance tax-free.

You only pay capital gains tax when you withdraw funds from the insurance.

Capitalization agreement

A capitalization agreement is an investment agreement between the insurance company and the customer for a fixed period. Generally for at least five years. Capitalization agreements can be linked to an asset management agreement.

The return for a capitalization agreement, like the return for savings and investment insurance, is only taxed at the end of the savings period. Therefore, during the savings period, it is possible to change the investment objects that are connected to the agreement without any return being taxed.

Capitalization agreements do not include life insurance.
The agreement is suitable for companies that have investable capital.