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Senior executives: a practical guide to planning your retirement and optimising your assets
For senior executives, preparing your retirement is not just a matter of calculating your pension and setting a departure date: a strategic approach is needed. This transition, often an international one, affects a range of issues: personal, professional, wealth and tax. It requires a comprehensive vision, rigorous planning and the activation of various levers.
Download our practical guide to optimising your assets before you retire.
As a senior executive, retirement planning is a matter of strategy. What are the best options available to you? To find out, download our new publication ‘A practical guide to optimising your assets before you retire’.
A practical guide to optimising your assets before you retire.
In an increasingly fragmented world, geopolitical tensions can have a major impact on the wealth of senior executives. This can range from the depreciation of certain currencies following political decisions, to fluctuations in the value of their company shares, or significant tax changes in a country where they might wish to retire.
At Lombard Odier we put our cross-border asset management skills at the service of senior executives. We offer a global, multidisciplinary and customised approach to wealth that is adapted to your career and your personal and professional objectives for the short, medium and long term.
At Lombard Odier we put our cross-border asset management skills at the service of senior executives
With this in mind we have designed this practical guide to assist you in preparing for your retirement with peace of mind. This is a crucial stage which requires structured choices based on a holistic and coherent examination of all your assets.
This practical guide provides a starting point and specific pathways for organising your retirement. It helps you ask the right questions, set your priorities and enter into a constructive dialogue with your advisor. Here is an overview of the topics covered.
1. How should I treat the various components of my wealth? What approach should I favour when optimising my assets as a whole?
All too often, retirement savings are managed in separate silos in different institutions, with no connection to other aspects of your wealth such as personal assets (property, financial), company shares and stock options, and liabilities (loans). Such a fragmented approach limits the scope for optimisation.
Coordinating the components of wealth in a way that is integrated makes it possible to boost your overall performance, anticipate forthcoming liquidity needs and structure your wealth for tax efficiency. A coherent strategy built on a full analysis lets you take decisions with peace of mind, especially when it comes to early retirement, moving home or passing on assets.
Our practical guide provides a starting point and specific pathways for organising your retirement
2. How do I manage my company shares and stock options?
Many executives own company shares and stock options, often built up over years. These may represent a significant portion of your overall wealth, but are exposed to various risks: excess concentration, market volatility, and even (depending on the canton or country where you live) an unfavourable tax environment.
So as retirement draws near, reviewing the percentage of your assets they make up, gradually diversifying your exposure and, if necessary, optimising the manner in which they are held, is crucial. Some financial solutions offer a way of smoothing the tax treatment or securing the income from such holdings while still retaining a link with the overall investment strategy.
Rigorous planning not only makes your transition secure, it also allows you to retain the coherence and performance of your assets for the long term
3. What are the implications of retiring abroad or to another canton?
Geographical mobility has major implications for your wealth. Whether you are thinking of changing canton or moving abroad, all decisions have to be taken bearing in mind the relevant legal and tax rules, particularly when it comes to avoiding double taxation or nasty surprises when drawing on your retirement savings.
In Switzerland, taxation on retirement benefits varies from canton to canton. And on an international level, the tax treatment depends on the treaties between countries, the tax residence and also the structure in which your assets are held.
Failure to look ahead can have lasting consequences. Rigorous planning not only makes your transition secure, it also allows you to retain the coherence and performance of your assets for the long term.
Our seven offices in Switzerland bear witness to our commitment to maintaining close and trusting relationships with our clients all across the country
At Lombard Odier we manage over CHF 3 billion of retirement savings for our private clients.
Our approach is based on personalised strategies(*), including managing vested benefits, supplementary pension plans and targeted advice on making Pillar 2 buy-ins.
We work with some of Switzerland’s best-known retirement savings institutions and offer a digital platform providing a consolidated view of assets under management and full transparency on the breakdown of assets in your private and pension portfolios.
Our seven offices in Switzerland – Geneva, Zurich, Lausanne, Fribourg, Vevey, Verbier and Zug – bear witness to our commitment to maintaining close and trusting relationships with our clients all across the country.
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(*) in compliance with OPP2 rules
important information
This is a marketing communication issued by Bank Lombard Odier & Co Ltd (hereinafter “Lombard Odier”).
It is not intended for distribution, publication, or use in any jurisdiction where such distribution, publication, or use would be unlawful, nor is it aimed at any person or entity to whom it would be unlawful to address such a marketing communication.
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