Catalog Continuing education ISFB Wealth Planning Certificate

ISFB Wealth Planning Certificate

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.

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

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

Duration: 8h00

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

Duration: 8h00

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

Duration: 8h00

M04: Pension optimization II

Contents: 2nd pillar, supplementary plans
Surrenders
Annuity or lump sum

Duration: 8h00

M05: Matrimonial and inheritance aspects

Contents: Legal basis
Matrimonial property regimes
Marriage contracts
Inheritance law and testamentary dispositions
Planning

Duration: 8h00

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

Duration: 8h00

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

Duration: 8h00

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

Duration: 4h00

M09 : Business transfer

Contents: Planning stages
Forms of transfer (cash, asset deal, share deal)
Choosing a successor
Determining the price
Tax aspects
Success factors

Duration: 4h00

M10: Special cases of personal taxation

Contents: Taxation of real estate
Taxation of pensions
Taxation of investments

Duration: 8h00

M11: Integration case study

Contents: Gathering information
Analyzing documents and information
Finding solutions
Proposing optimal solutions

Duration: 8h00

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."

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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.

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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)."

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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."

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