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Clients

Who we work for

What our clients have in common is less the size of their wealth than its complexity: several banks, shareholdings, real estate, questions of succession. We structure, support and coordinate, with one dedicated contact person.

Familienunternehmen und UnternehmerfamilienUnternehmer, Führungskräfte und FreiberuflerStiftungenFamily Offices und vermögensverwaltende HoldingsSport, Kunst, Musik und LotteriegewinnCovered Persons01Core services02Extendedrange of services03Coordinatedservices
Client groups

Six starting points, one approach

Family businesses and business familiesBusiness and private assets are closely intertwined, and decisions often span generations. We keep an eye on the private wealth, coordinate with tax advisers and lawyers and help prepare the succession.
Typical questions (selection)
How do we separate business risk from private wealth?How do we involve the next generation?Will the company stay in the family, be run by outside management or be sold?
Entrepreneurs, executives and professionalsGreat responsibility at work, little time for your own wealth. Shareholders, board members and managing directors as well as tax advisers, lawyers and consultants decide with us whether to delegate investment decisions or to shape them actively.
Typical questions (selection)
Who keeps an eye on my overall wealth?How do I invest distributions or proceeds from shareholdings?How do I prepare my wealth for retirement or an exit?
FoundationsFoundations need to preserve their capital and at the same time generate reliable income for their charitable purpose. We support them with investment guidelines, implementation and reporting that the board and the supervisory body can follow.
Typical questions (selection)
How do we reconcile capital preservation with distributable income?Are our investments consistent with our statutes?How do we balance building up our capital reserve with our appetite for risk?
Family offices and asset-holding companiesThis is rarely about a single portfolio, but about many banks and asset classes. We create an overview across all banks, support the selection of banks through to the beauty contest and contribute our investment expertise.
Typical questions (selection)
How do we compare banks and costs objectively?How do we consolidate the reporting?How do we align the investment strategy across several generations?
Sport, art, music and lottery winsHigh income over a few years, often fluctuating and with a foreseeable end to the career, or a large win all at once. We plan liquidity beyond the active years so that success turns into lasting wealth. On request, we coordinate with management, agency and tax advisers and arrange suitable protection of income and health.
Typical questions (selection)
How much can I spend today so that there is enough afterwards?How do I invest bonuses, royalties or a win?How do I protect myself against injury or occupational disability?
SpecialisationCovered PersonsFor employees of banks, asset managers, audit firms and consultancies whose employer restricts private trading.To our specialisation →
Occasions

When wealth comes in

Every occasion raises its own questions. What they all have in common: first structure, then invest.

01Proceeds from a businessSale of a company, IPO, sale of a practice or law firm, employee share ownership
Starting point
Experienced in financial matters and used to making decisions. What is usually new is that the wealth now has to work privately, without your own company.
The next steps
  1. Park the proceeds in an orderly way first, spread across several banks
  2. Keep an eye on concentration in your own shares and holding periods
  3. Agree the tax structure with your tax adviser and lawyer
  4. Set goals and liquidity for the coming years
  5. Implement the investment strategy step by step
02Wealth within the familyInheritance, lifetime gift
Starting point
Prior knowledge varies widely, and grief and coordination within the family often come on top. Existing investments were chosen by someone else and rarely match your own goals.
The next steps
  1. Create an overview of the inherited wealth across all banks
  2. Clarify tax deadlines and obligations with your tax adviser
  3. Agree decisions and responsibilities within the community of heirs
  4. Review existing investments, do not reallocate hastily
  5. Consider the next generation from the outset
03Career turning pointsLeaving a company and severance pay, lump-sum payment from a pension commitment or insurance, sale of real estate
Starting point
The inflow is usually foreseeable and can be planned. However, it often replaces future income and must therefore last for many years.
The next steps
  1. Clarify which part of your current income the wealth is to replace
  2. Check the most tax-efficient timing with your tax adviser
  3. Draw up a reliable withdrawal plan
  4. Align risk with your stage of life and investment horizon
04Great success and great fortuneProfessional sport, art and music, lottery win
Starting point
Great success in a short time or an unexpected win. Handling sums of this size is often new, and attention from outside grows. In sport, the foreseeable end of the career comes on top.
The next steps
  1. Stay calm: no decisions in the first weeks
  2. Maintain discretion and keep the circle of those in the know small
  3. Set a clear framework for spending and reserves
  4. Choose a few trustworthy advisers
  5. Invest for the long term and broadly diversified
Next step

Do you recognise yourself?

In a confidential initial meeting we talk about your situation: by phone, by video or in person at our office in Düsseldorf.

Arrange a confidential initial meeting →+49 (0) 211 17051000 · info@anchora-capital.com