Wealth planning

Personalised wealth management using investment vehicles that offer flexibility to customers in their structure and organisation with the option of compartmentalisation (SICAV, SICAR and SIF). Luxembourg has demonstrated its commitment to developing such instruments.

Luxembourg offers an advantageous legal framework to set up and base holding companies and international groups in the country. The aim is to provide customers with a tax efficient vehicle that offers the opportunity to invest in a diversified portfolio of companies.

Furthermore, Luxembourg is party to a large number of double-taxation treaties that provide customers with a competitive advantage.

SPVs make it possible to offer tailor-made solutions in the design of securitisation structures. Practically all predictable income streams or risks can be securitised. In SPVs, customers have the contractual freedom to set the terms and conditions. These kinds of securitisation companies also offer flexibility in terms of the frequency of dividend or coupon payments made by the SPV.

Through its comprehensive wealth management service, offers its customers a range of corporate solutions.

	Corporate Services Acquisitions Divestments Mergers Company valuation Identification of financing options: private equity or structured financing Strategic alliances		Family business area Design of holding structures Succession planning, etc. Family agreements

Through our ERM business (Enterprise Risk Management Gerencia Integral de Riesgos, Correduría de Seguros, SL) of the Group in Spain, we offer a service called ERM Premium which allows us to provide advice to clients with insurance needs that go beyond traditional requirements. The service is aimed at clients who require tailored solutions.

Moreover, through CA Life Insurance Experts (Compañía de Seguros y Reaseguros, SA Unipersonal) we offer life insurance policies to help our clients avoid hasty decisions due to unexpected events. Our aim is to reduce the financial impact caused by the death of the insured person, to maintain the same level of income and wealth, and to provide access to immediate liquidity to cover payments and obligations in the short term.