Why rethinking wealth management through a long-term lens supports generational continuity

Why rethinking wealth management through a long-term lens supports generational continuity

Our mission as a wealth manager is to support our clients in protecting, growing, passing on and structuring their wealth. This support is based on tailored solutions aligned with each person's specific financial objectives and expectations. Our approach to wealth management is not limited to selecting investments, but is based on a holistic view taking account of each person's financial, wealth management, tax and succession planning considerations.

Lombard Odier stands out by virtue of its unique governance model. The Bank is owned and managed by its Managing Partners, who are actively involved in day-to-day relationships with clients. This independence allows us to take a long-term view and build lasting relationships based on trust and intergenerational transfer. Unlike many institutions dependent on standardised services, we insist upon an individualised approach. As Hubert Keller, Senior Managing Partner at Lombard Odier, points out, "We are convinced that sustainability will be a major performance driver in the coming years and want to help our clients benefit from it."

Our independence allows us to take a long-term view and build lasting relationships based on trust and intergenerational transfer. Unlike many institutions dependent on standardised services, we insist upon an individualised approach

Accordingly, our wealth management offering extends beyond a simple financial service, embodying a true partnership grounded in attentive listening and tailored solutions.

Adaptable discretionary management and advisory mandates

Wealth management cannot be limited to a single model. This is why we offer two broad types of mandate, allowing clients to choose their preferred degree of involvement.

Under a discretionary mandate, our wealth managers take on active management of a portfolio on the client's behalf. They draw on the analyses of our international experts, while adhering to the objectives, investment horizon and risk tolerance defined and agreed in advance with each client. We offer various investment options, including single asset mandates (equities, bonds, real estate, hedge funds, private assets), multi-asset strategies (allocation funds, regional mandates), as well as bespoke solutions tailored to your needs.

By contrast, advisory mandates allow clients to retain the final decision-making authority, while still benefiting from the recommendations of Lombard Odier's investment experts and real-time access to research and analysis. This flexibility enables portfolio management to be adapted to each client's priorities, within a collaborative framework in which clients remain fully involved in their decisions.

In addition, through our decentralised approach, local teams work together within a global strategy to optimise asset allocation and identify market opportunities worldwide, in line with each client’s profile and needs.

Our wealth management expertise

Wealth management at Lombard Odier is built on an integrated expertise, covering all dimensions of wealth:

1. Wealth planning, which aims to structure assets in a coherent and tax-efficient manner, taking account of your personal situation and long-term objectives

2. Wealth transfer, based on a forward-looking approach designed to prepare succession, safeguard inheritance, and facilitate intergenerational transfer

3. Discretionary portfolio management, founded on a disciplined and diversified asset allocation, incorporating the main asset classes and adapted to your risk profile

4. Investment solutions – the Group's investment platform, designed to manage, preserve, and grow our clients' wealth over the long term. Drawing on the expertise of more than 200 investment specialists worldwide, Investment Solutions manages portfolios and generates innovative investment ideas and solutions, which are deployed within a robust yet flexible asset allocation framework

5. Philanthropy, which forms part of holistic thinking on the meaning ascribed to wealth and its societal impact, in line with your values

6. Asset servicing, which provides the final component of this approach, by ensuring rigorous operational monitoring, principally through our Global Assets+ platform, which centralises and consolidates your assets as a whole.

A holistic and modular approach: Your Wealth Outlook

The growing complexity of wealth requires an innovative method. It is with this in mind that we developed Your Wealth Outlook, which consists in structuring assets into distinct portfolios, each dedicated to a specific objective, enabling a multi-strategy approach. This structure allows asset allocation and risk profile to be adjusted to each time horizon and personal situation – whether preparing for retirement, funding the education of the future generation, or securing short-term projects.

We think of ourselves not only as asset managers, but also as active investors, tracking down opportunities for our clients, even in challenging market environments

As Managing Partner, Frédéric Rochat, explains, "We think of ourselves not only as asset managers, but also as active investors, tracking down opportunities for our clients, even in challenging market environments. "

Thanks to this approach, each need is addressed with precision, while maintaining a consolidated view of overall wealth. This ensures a balance between yield and financial objectives on the one hand, and security and intergenerational transfer on the other.

Wealth planning: anticipating, structuring, optimising

Wealth management in Switzerland and worldwide goes far beyond financial investments alone. It implies a holistic perspective encompassing family, professional activity, taxation and residences. For this reason, our wealth planning experts take the time to analyse the situation as a whole in order to build a coherent, long-lasting strategy fully tailored to individual circumstances.

As Managing Partner, Denis Pittet, notes, "Our primary mission is to preserve and grow our clients' assets, while fostering a close, long-term relationship built on trust. "

Succession planning enables assets to be transferred in line with clearly defined wishes, by means of wills, gifts or appropriate legal structures. Tax optimisation, on the other hand, aims to maximise net income through an efficient organisation that takes into account your country of residence. Finally, family governance fosters harmony between generations by setting clear rules for the collective management of assets.

Intergenerational transfer and family governance: protecting your legacy

Having operated for nearly 230 years as independent entrepreneurial bankers, we fully understand the challenges associated with managing family wealth and transferring it to future generations. For us, building effective family governance is a key element in ensuring the long-term sustainability of assets.

Our solutions encompass facilitating family meetings and formulating mission statements, advising on the balance of roles between owners, managers and family members, and establishing robust legal structures to anticipate succession. This approach helps ensure continuity of family values and prevent conflicts.

Embedding sustainability at the heart of your wealth strategies

Lombard Odier fully integrates sustainability considerations into its wealth management approach, which we view as a significant investment opportunity. Sustainable investment is part of a long term vision, linked to major economic and environmental transformations.

This approach is based on analysing the systemic changes under way in the world economy and supports, in particular, the transition to net zero by identifying opportunities linked to structural shifts in economies and business models. Today over 50% of the world's GDP depends directly on nature and the ecosystem services that it provides,1 while 40% of land worldwide is moderately to severely degraded.2 These observations highlight the scale of current imbalances and strengthen the conviction that systemic changes represent a key driver of long-term value creation for investors able to anticipate and integrate them in their wealth management strategies.

We combine financial return with a positive environmental impact, with the aim of supporting the climate transition

In this way, we combine financial return with a positive environmental impact, with the aim of supporting the climate transition.

Read also: Investing in system changes I Lombard Odier

Fiscal governance and succession: security and compliance

We put in place tax-efficient structures and vehicles to optimise your after-tax financial income, in compliance with the legislation of your country of residence. Limiting the tax impact within the management of family wealth is therefore a core element of sound governance.

We also offer succession planning solutions, including will writing, guidance in matters of gifts, trusts, and advice on structuring intergenerational transfer within the applicable legal framework.

Ongoing client support, including regular reviews of your wealth situation, allows tax and succession structures to be adjusted in line with personal or regulatory developments.

Why choose Lombard Odier?

  • An independent group and family governance: an institution wholly owned and managed by its Managing Partners, a guarantee of intergenerational stability
     
  • Personalised relationships with our teams, built on a human approach, attentive listening and responsiveness
     
  • Global expertise with strong local roots: an international network of specialists in investment, taxation, law, and sustainability
     
  • Wealth management innovation and responsible investment: our Your Wealth Outlook tool, multi-portfolio solutions and integration of new economic transitions
     
  • A holistic approach: from portfolio building to succession planning, by way of tax optimisation

Want to know more? Our answers to your questions:

Wealth management covers all the stages involved in structuring, growing and transferring your assets. This includes portfolio management, succession planning, taxation, family governance, and sustainable investment.

A discretionary mandate allows our experts to actively manage your portfolio on your behalf, in line with defined objectives. An advisory mandate provides you with ongoing recommendations, while leaving the final decision to you.

The service is intended for wealthy individuals, families with wealth to manage, corporate executives or heirs seeking to structure, protect, and grow their capital while addressing family, taxation, and generational considerations.

We use our CLIC™ (Circular, Lean, Inclusive, Clean) framework to select investment opportunities aligned with environmental and social transitions, but going beyond classic ESG criteria. We also assess physical exposure to climate risk and keep up an active dialogue with companies.

The Wealth Outlook strategy encompasses several portfolios, making it possible to meet a variety of objectives – retirement, children's education, projects, etc. – while keeping control of the overall risk, thanks to differentiated and consolidated asset allocation.

We support clients in writing wills, setting up gifts, trusts and legal structures, and defining family governance. Our objective: transition that is clear, secure and in line with your values.

Let’s discuss your wealth strategy together

Wealth management at Lombard Odier combines tradition, innovation, and performance. Our experts guide you with rigour, discretion, and foresight, ensuring that every decision serves your long-term objectives.

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.

Read more.

get in touch.

Please select a category

Please enter your firstname.

Please enter your lastname.

Please enter a valid email adress.

Please enter a valid phone number.

Please select a country

Please select a banker

Please enter a message.


Something happened, message not sent.
Lombard Odier Fleuron
let's talk.
share.
newsletter.