Asset protection
Asset succession between generations
Passing on wealth is more than a legal or financial act – it is the continuation of a life’s work. The way you structure the succession of your assets determines not only your family’s security, but also how your values are preserved across generations.
We help you plan the transfer of assets – from real estate and company shares to investment portfolios – in a way that is both tax-efficient and aligned with your personal wishes. Whether you wish to include foundations or charitable organizations in your estate planning, or ensure that the assets of minor children are carefully managed until they come of age – we create a framework that combines legal precision with human sensitivity.
Thoughtful succession planning means more than protecting money. It means protecting peace of mind, family harmony, and the legacy you want to leave behind.
Independent investment advice
Your assets are more than just a number on your account – they represent years of hard work, foresight, and responsibility. In times of rising inflation and economic uncertainty, managing wealth demands not only instinct but also structure, experience, and independence.
While bank advisors often act under the influence of internal sales targets and product commissions, we deliberately take a different approach: we work exclusively on a fee basis. This means our investment advice is fully independent, free from sales interests or hidden incentives. We analyse your financial situation, life circumstances, and risk appetite with precision and develop a tailor-made investment strategy that balances security and opportunity. When we recommend investment products from third parties, we do so out of conviction – not because of a commission. Intelligent asset management requires exactly that: clarity and consistency.
To illustrate: with an inflation rate of around 4 % per year and average deposit interest of 1 % (Q4 2025), you lose more than a quarter of your real assets within ten years. In other words, around 26 % of your purchasing power simply disappears. This is exactly where we come in – helping you protect and grow what you have built.
Reasons for Schmelz lawfirm
Choosing the right investment advisor is like choosing the right pilot for your flight – you wouldn't board a jumbo jet with someone who has only flown small planes before, would you? The same applies to financial advice. Unless you are one of the few private clients with a clearly seven-figure portfolio, your bank advisor is often an employee who earns an average salary and has their own savings in a normal bank account. This may be fine for everyday advice – but not if your goal is to protect and grow your savings across generations.
We provide independent, confidential and personally motivated advice on wealth management issues. We recommend what we have successfully implemented in our own portfolios or those of other successful clients. Our expertise combines legal precision with our own economic experience.
