ISFB Wealth Planning Certificate
Category
Private Banking & Asset Management
Retail & Corporate Banking
Retail & Corporate Banking
Level
Master's degree
Format
Presential
Duration
10 non-consecutive days
Language
French
Location
ISFB Geneva premises
Director
Albert Gallegos
Manager
Oscar Marano
Type
ISFB Certificates
Description
Prices & Admission
Content
Testimonials
Stakeholders
Context
As personal, professional and financial situations are constantly changing, only a 360-degree view of the customer's assets will enable him to make optimal financial decisions. Real estate, pension provision, taxation, but also inheritance and matrimonial aspects or business transfers: a client's perimeter is rich and complex.
In a transparent and tax-compliant world, the ability to propose a global approach enables the asset manager to stand out by offering comprehensive professional advice, where the client is the focus of attention. This resolutely practice-oriented training course begins with an analysis of the various instruments available, before bringing together and applying all this knowledge in an integration exercise based on a real-life case.
In a transparent and tax-compliant world, the ability to propose a global approach enables the asset manager to stand out by offering comprehensive professional advice, where the client is the focus of attention. This resolutely practice-oriented training course begins with an analysis of the various instruments available, before bringing together and applying all this knowledge in an integration exercise based on a real-life case.
Key objectives
1.define and propose a global wealth solution based on an analysis of a client's current situation and the evaluation of certain future scenarios
2.gather and analyze all the elements required for financial planning
3.control all aspects of wealth and evaluate the consequences of changes in personal and professional circumstances on these aspects
2.gather and analyze all the elements required for financial planning
3.control all aspects of wealth and evaluate the consequences of changes in personal and professional circumstances on these aspects
Target audience
- Anyone working in the banking and finance industry with a direct link to Swiss resident customers, wishing to benefit from practical training.
Stakeholders
ISFB lecturers have been working in the banking and financial world, or in their respective fields, for many years and are recognized as some of the best experts in our ecosystem in French-speaking Switzerland.
Reviews
The validation of the certificate is done through a written exam of the QCS type (simple choice questionnaire, one and only one correct answer) of 120 minutes. The emphasis is on understanding, application and the ability to analyze and solve concrete cases using the tools and methods seen in training. Candidates are allowed to consult course materials, appendices and personal notes (open-ended exam concept)
Practical information
ISFB Certificates of Specialization are recognized by all member institutions. They are an important professional asset on the job market in French-speaking Switzerland.
Price
- Public: CHF 9,270
- Member : CHF 6'950.-
- HG / OCAS / OCE : CHF 4'635.-
M01: Personal taxation
Contents: Swiss tax system and levels of taxation
Taxation of income
Taxation of wealth
Double taxation
Taxation of income
Taxation of wealth
Double taxation
Duration: 8h00
Possible speakers: GALLEGOS Albert
M02: Social insurance
Contents: Swiss 3-pillar system (AHV, IV, BVG, 3rd pillar A - B)
Supplementary insurance LAA and IJM
Coordination of the 3 pillars in the event of disability and death
Current issues
Supplementary insurance LAA and IJM
Coordination of the 3 pillars in the event of disability and death
Current issues
Duration: 8h00
Possible speakers: Danièle Felley
M03: Pension optimization I
Contents: 2nd pillar in detail
Laws governing the 2nd pillar
2nd pillar basic plan (compulsory, supplementary)
Pension & self-employed
Calculating pension gaps
Laws governing the 2nd pillar
2nd pillar basic plan (compulsory, supplementary)
Pension & self-employed
Calculating pension gaps
Duration: 8h00
Possible speakers: Danièle Felley
M04: Pension optimization II
Contents: 2nd pillar, supplementary plans
Surrenders
Annuity or lump sum
Surrenders
Annuity or lump sum
Duration: 8h00
Possible speakers: Danièle Felley
M05: Matrimonial and inheritance aspects
Contents: Legal basis
Matrimonial property regimes
Marriage contracts
Inheritance law and testamentary dispositions
Planning
Matrimonial property regimes
Marriage contracts
Inheritance law and testamentary dispositions
Planning
Duration: 8h00
Possible speakers: VLADAU Anna
M06: Real estate
Contents: Legal framework for the acquisition of Swiss real estate, particularly by foreigners (LFAIE, lex koller)
Forms of real estate ownership
Associated tax treatment (Swiss resident and non-resident)
Transmission and inheritance issues
Real estate and occupational pension provision
Case studies
Forms of real estate ownership
Associated tax treatment (Swiss resident and non-resident)
Transmission and inheritance issues
Real estate and occupational pension provision
Case studies
Duration: 8h00
Possible speakers: CAUS Deborah
M07: Investment advice
Contents: The context of wealth planning
The concept of goal-based investing
Universe of financial assets to be considered
Fundamental laws of investing
Risk profile & strategic allocation
Performance analysis and benchmarking
The concept of goal-based investing
Universe of financial assets to be considered
Fundamental laws of investing
Risk profile & strategic allocation
Performance analysis and benchmarking
Duration: 8h00
Possible contributors: LEUTWYLER Sébastien
M08: Business creation
Contents: What is entrepreneurship: myths and realities
Entrepreneurial mindset
Legal and administrative aspects of entrepreneurship
All this, with the use of case studies
Entrepreneurial mindset
Legal and administrative aspects of entrepreneurship
All this, with the use of case studies
Duration: 4h00
Possible speakers: NARR David
M09 : Business transfer
Contents: Planning stages
Forms of transfer (cash, asset deal, share deal)
Choosing a successor
Determining the price
Tax aspects
Success factors
Forms of transfer (cash, asset deal, share deal)
Choosing a successor
Determining the price
Tax aspects
Success factors
Duration: 4h00
Possible speakers: MENZEL François
M10: Special cases of personal taxation
Contents: Taxation of real estate
Taxation of pensions
Taxation of investments
Taxation of pensions
Taxation of investments
Duration: 8h00
Possible speakers: GALLEGOS Albert
M11: Integration case study
Contents: Gathering information
Analyzing documents and information
Finding solutions
Proposing optimal solutions
Analyzing documents and information
Finding solutions
Proposing optimal solutions
Duration: 8h00
Possible speakers: GALLEGOS Albert
Wealth Planning Certificate Examination
Duration: 2h00
Interview with Albert Gallegos, ISFB Wealth Planning Certificate Program Director
Albert Gallegos - Head of Wealth Management Solutions (BCGE)
"This program is designed to meet the specific needs of professionals in the banking and finance sector who are looking to specialize in wealth planning."
Read the interview
Deepening your wealth planning skills: Joséphine Papaux's testimonial
Joséphine Papaux - SME Advisor (BCV)
In a context where wealth management issues are becoming increasingly complex for entrepreneurial clients, Joséphine Papaux chose to pursue training leading to the ISFB certificate in Wealth Planning. She discusses the reasons behind her commitment, the concrete benefits of the training, and the skills she has been able to apply on a daily basis in her professional practice.
Read the interview
Interview with Mélanie Erb-Zimet, tax expert and ISFB-certified wealth planner
Mélanie Erb-Zimet - Qualified tax expert (Banque Bonhôte & Cie SA)
"This training course provides a concise and in-depth overview of the legal, tax, and financial aspects of all aspects of wealth management (investments, real estate, retirement planning)."
Read the interview
Interview with David Narr, Director of GENILEM
David Narr - Director, GENILEM
"The goal is to develop in learners not only empathy for these entrepreneurs, but also an ability to identify what is crucial for their future clients in the context of wealth planning."
Read the interview
Albert GALLEGOS
A Swiss lawyer with a Master's degree in international law from the University of Lausanne, he holds an MBA from HEC-Unil Lausanne and a Certificate in Entrepreneurship from the University of Neuchâtel. He also holds the title of Certified Wealth Management Advisor (
) from SAQ Swiss Association for Quality.
He has extensive experience in financial planning (taxation, pensions, investments, real estate, matrimonial and inheritance law), gained while working at a bank as director of the Wealth Solutions business unit.
He regularly publishes articles on financial issues and leads seminars and conferences. He is also co-author of the books "Le guide de votre prévoyance" (Your Pension Guide) and "Guide de vos finances personnelles" (Your Personal Finance Guide).
) from SAQ Swiss Association for Quality.
He has extensive experience in financial planning (taxation, pensions, investments, real estate, matrimonial and inheritance law), gained while working at a bank as director of the Wealth Solutions business unit.
He regularly publishes articles on financial issues and leads seminars and conferences. He is also co-author of the books "Le guide de votre prévoyance" (Your Pension Guide) and "Guide de vos finances personnelles" (Your Personal Finance Guide).
Danièle FELLEY
Danièle Felley is a specialist in occupational pension plans, specializing in pension fund analysis and impartial advice to individuals and companies. Holder of a federal certificate in occupational pension plans, she also made her mark in the banking world by becoming one of the first women to hold management positions.
Anna VLADAU
Anna D. Vladau studied law at the Faculty of Law of the University of Lausanne. In 2011, she obtained her law degree in Switzerland. She then furthered her knowledge of US taxation by obtaining an LL.M. from Boston University School of Law (USA) and was admitted to the New York Bar in 2014. She practiced for over a year as an international tax advisor at a large US law firm before returning to Switzerland to practice law. In 2022, Anna joined Bonnard Lawson as an active partner in international tax and private client services. Drawing on her experience in the US, she assists companies and high-net-worth clients in resolving complex Swiss and international tax issues, particularly those relating to the US. She also represents her clients' interests in court.
In addition to her work as a lawyer, Anna also teaches tax law and financial markets at Kalaidos University of Applied Sciences (Lausanne, Switzerland) and the Institut Supérieur de Formation Bancaire (IFSB). She regularly gives lectures on tax matters. She is also regularly consulted by RTS on tax issues and various US topics.
In addition to her work as a lawyer, Anna also teaches tax law and financial markets at Kalaidos University of Applied Sciences (Lausanne, Switzerland) and the Institut Supérieur de Formation Bancaire (IFSB). She regularly gives lectures on tax matters. She is also regularly consulted by RTS on tax issues and various US topics.
Deborah CAUS
A specialist in real estate financing for Swiss individuals since 2008, Deborah Caus discovered the profession at Crédit Agricole before joining Banque Cantonale de Genève in 2011.
Initially a financing manager, then a trainer for the internal certification required to work in financing at BCGE, she was subsequently put in charge of the private financing department for the Wealth & Asset Management Division.
On a daily basis, knowledge of the client, their expectations, their specificities, and their projects drives the search for financing solutions that best fit their current and future landscape. Real estate must include everything: from planning to taxation, from regulations to returns. Nothing should be left to chance; everything must be planned.
It is a constantly evolving profession, where routine has no place.
Sebastian LEUTWYLER
Sébastien holds a Master's degree in Economics from the University of Geneva, an MBA in Strategy & Management from the Stockholm School of Economics and Hong Kong University, and a corporate governance certification from the Swiss Board School. He also holds a Federal Diploma in Finance and Investment, and is certified as a CIWM (Certified International Wealth Manager), CAIA (Chartered Alternative Investment Analyst), and CESGA (Certified ESG Analyst).
David NARR
After studying at HEC Lausanne, David co-founded a company specializing in the creation of customized online advertising games (advertgames). In 2003, the company was acquired by a large communications agency to open a "new media" department and integrate games into global communications concepts. David took over the operational management of the agency a few years later, before returning to his first love: the world of start-ups. David joined GENILEM as a business development coach in 2010 and became director of the association in 2018.
François MENZEL
30 years of experience with corporate clients (mainly CS and UBS)
Regional Manager for Corporate Clients at Banque Valiant SA
Degree in Banking Economics
CAS in Mergers, Acquisitions, and Business Transfers (HEIG-VD)
CAS in SME Taxation (in progress – University of Neuchâtel)
Regional Manager for Corporate Clients at Banque Valiant SA
Degree in Banking Economics
CAS in Mergers, Acquisitions, and Business Transfers (HEIG-VD)
CAS in SME Taxation (in progress – University of Neuchâtel)
Information
A question about this service? Our manager is at your disposal
Category
Private Banking & Asset Management
Retail & Corporate Banking
Retail & Corporate Banking
Level
Master's degree
Format
Presential
Duration
10 non-consecutive days
Language
French
Location
ISFB Geneva premises
Director
Albert Gallegos
Manager
Oscar Marano
Type
ISFB Certificates
Information
A question about this service? Our manager is at your disposal
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