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 wealth is more than just a number in your account: it represents years of hard work, foresight and responsibility. In times of rising inflation and economic uncertainty, managing your wealth requires not only instinct, but also structure, experience and independence.
Here's an example: with an inflation rate of around 4% per year and an average deposit interest rate of 1% (Q4 2025), you will lose more than a quarter of your real assets within ten years. In other words, around 26% of your purchasing power will simply disappear. This is where we come in – we help you protect and grow what you have built up.
While bank advisors often act under the influence of internal sales targets and potential commissions, we take a different approach: we work on a fee basis. This means that our wealth and investment advice is completely independent, free from sales interests or hidden incentives. Among other things, we carefully analyse your financial situation, your circumstances and your risk tolerance, 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 the prospect of an attractive commission. Intelligent asset management requires precisely that: clarity and consistency.
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.
