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Married life

Matrimonial advice

Do you want to manage your money as a couple? That means carefully planning how you manage your assets together, considering what happens if you separate or an inheritance occurs. This will help you keep control of your money, pay less tax, and realise your plans for life as a couple.
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Piguet Galland & vous.

Matrimonial advice ensures the financial balance of your assets.

Matrimonial advice involves the intelligent management of a couple's money and assets. For each asset the couple owns, you need to consider important aspects such as risk, returns, tax and liquidity. This helps you to anticipate problems associated with separation or death while managing your resources thoughtfully.

Anticipate your cash flow for the future

One of the great merits of matrimonial advice is that it anticipates the couple's future cash flows. We understand the difference between the capital needed to finance the couple's lifestyle and savings to put towards retirement. However, tax and even matrimonial optimisation measures result in various constraints that must be monitored to preserve funds to finance the couple's major life projects.

Optimise your taxes

Our matrimonial planning solutions prioritise addressing tax concerns. We achieve this through two main strategies. First, we optimise tax benefits by customising pension contributions and surrenders for couples. Second, we emphasise tax-efficient management of their banking assets. The current trend prioritises net performance over the outdated concept of gross performance.
A holistic approach

3 levers to optimise your assets

To bring your assets into harmony with your projects, we use 3 main optimisation levers.

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    Pension

    Fill pension gaps to save tax.

  • Property 1=report

    Loans

    Calculate the optimum level of debt to reduce your taxes.

  • Property 1=Growth

    Taxes

    Define your marginal tax rate to plan your strategy.

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A personalised wealth assessment to help you optimise your tax situation

  • Property 1=Risk assessment

    01.

    Determine how taxes affect your budget.

  • Property 1=Investissements

    02.

    Analyse the structure of your savings and investments.

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    03.

    Identify all the levers you can use to keep control of your taxes.

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    04

    Obtain personalised recommendations to reduce your taxes.

Confidentiality guaranteed

Your confidentiality is paramount. At Piguet Galland, we comply strictly with Swiss banking confidentiality standards. Your information remains secure and private.

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Wealth assessment

A wealth assessment gives you a better understanding of your asset situation so you can make informed decisions to achieve your goals.

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Managing your assets also means planning for the unexpected.

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Divorce

  • How can we guarantee our financial security after a divorce?
  • How can we manage our joint assets and debts equitably while preserving our individual assets during the divorce?
  • How can I minimise the tax implications when dividing my matrimonial property after divorce?
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Death or inheritance

  • How can we ensure that our matrimonial wishes are respected if one of us passes away?
  • How can we financially protect our surviving spouse if one of us passes away?
  • How can we minimise tax costs for our surviving spouse and heirs while preserving our matrimonial assets when the estate is passed on?
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Retirement

  • What income and expenditure do we expect to have as a couple when we retire?
  • How can we ensure enough money to enjoy our retirement together?
  • What strategies can we use to reduce tax during our retirement?
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Debt and liability management

  • How can we manage our debts effectively, including mortgages?
  • How can we minimise debt-related costs while preserving our assets?
  • What strategies can we use to pay off our debts more quickly and save money?
Our approach

Personalized listening

We start by listening to you. Your objectives guide our tax strategy.

In-depth analysis

Our experts examine every detail to develop perfectly tailored solutions.

Tailor-made strategies

We design strategies that meet your specific, long-term needs.

Precise implementation

Our team will guide you every step of the way, from planning to implementation.

What's your life plan?

Whether it's for a business project or the "project of a lifetime," our advisers and experts are here to bring your idea to reality without the headaches and with complete peace of mind.

  • Choose my life project...
  • Portfolio management
  • Taxes
  • Legacy
  • Property project
  • Marriage and cohabitation
  • Divorce
  • My career and my pension
  • Retirement
  • Estate
  • Family
  • Entrepreneurship

    • Wealth analysis

    • Taxes

    • Financial planning

    • Financing

    • Marriage counseling

    • Pension analysis

    • Estate planning

    • Wealth analysis

    • Financial planning

    • Management mandates

    • Advisory mandates

    • Tax advisory

    • Wealth analysis

    • Financial planning

    • Wealth analysis

    • Financial planning

    • Financing

    • Wealth analysis

    • Marriage counseling

    • Wealth analysis

    • Financial planning

    • Financial planning

    • Wealth analysis

    • Marriage counseling

    • Tax advisory

    • Wealth analysis

    • Financial planning

    • Pension analysis

    • Financial planning

    • Wealth analysis

    • Pension analysis

    • Estate planning

    • Wealth analysis

    • Financial planning

    • Wealth analysis

    • Financial planning

    • Estate planning

    • Pension analysis

    • Marriage counselling

    • Wealth analysis

    • Taxes

    • Financial planning

    • Financing

    • Marriage counseling

    • Pension analysis

    • Estate planning

Contact us

Contact us
Une combinaison unique

Thanks to our unique blend of business expertise, our financial advisers can help you achieve all your life goals.

Investment

Investment

From investment advice to delegated portfolio management, we are dedicated to safeguarding your capital and securing its growth by identifying investment solutions that align seamlessly with your values, goals, and the assurance of peace of mind.

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Wealth & pension advice

Wealth & pension advice

Bring vitality and success to your life projects by comprehensively analyzing your assets and optimizing their structure.

Wealth advice Pension planning
Financing

Financing

We offer various financing solutions for all your real estate projects, such as mortgages and Lombard loans.

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Webinars & events

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Webinars & events

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All webinars & events

Academy

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

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