Insurance Solutions

We serve our client-partners by providing them, their families and company’s advisory services with individually designed and privately placed life and pension insurance solutions. Our goal is to preserve the assets and wealth of families.

Life insurance solutions are increasingly used as a structure for wealth protection, tax and estate planning, and/or as a privacy structure. Working with the longest-established life insurance providers, we design suitable solutions. With the appropriate endowment, life and annuity policies, we offer powerful and compliant tools to ensure wealth protection. By following the best principles and setting up policies that conform to tax rules (not simply using a wrapper), your investable assets will be preserved and completely separated from your other assets, resulting in solid protection.

Benefits:

Protection from bankruptcy. The contributed assets are not affected should the insurance company or the custodian bank file for bankruptcy, as they are separated from the risk sphere of the insurer and the bank.

Great flexibility and asset diversification. Any valuable assets can be held in life insurance solutions: funds, equities, bonds and commodities, and also real estate and operational companies.

Tax-privileged instruments for maximum wealth preservation. In many countries, life and annuity insurance policies (particularly those without periodic distributions) are tax-privileged in comparison with bank or real estate assets.

Your privacy is fully guaranteed. The insurance company is registered as the owner of your investable assets and ultimate beneficial owner.

Coverage of additional biometric risks. Death or longevity risks can be covered with skilfully designed contracts, generating interest-bearing income and lump-sum payments, generating bequeathed or inheritance tax benefits, even for large family estates.

LEGAL > KM Nordic Invest AG builds your insurance contracts taking into account the legal and tax requirements of the countries in which family members involved have their fiscal domiciles.

For more information regarding our Insurance Solutions please contact us at welcome@nordicinvest.ch or simply call +41 44 202 77 77

Holding Structures

KM Nordic Invest AG and our specialised partners can establish Swiss holding companies for you. These present operational, legal and particular tax benefits that are granted to stock corporations in Switzerland.

Holding companies benefit from reductions in corporate income tax and capital gains tax at federal and cantonal levels. In addition, there is a reduction in net worth tax at cantonal level.

For federal tax purposes a company is defined as a holding company if it holds either a minimum of 20% of the share capital of another corporate entity or if the value of its shareholding in the other corporate entity has a market value of at least CHF 2 million (known as a "participating shareholding").

For more information regarding Holding Structures please contact us at welcome@nordicinvest.ch or simply call +41 44 202 77 77

Taxation planning

KM Nordic Invest AG and our specialised partners and attorneys help wealthy individuals, families and businesses benefit from the most efficient tax-saving strategies and solutions.

Tax regulations have become more complex than ever, and the risk of overpaying and double taxation is often a real threat, even within Europe.
According to studies, the most important factor to long-term prosperity – in addition to an excellent investment strategy – is an optimised asset allocation, effectively minimising various tax burdens.

KM Nordic Invest offers the following tax advice and advantages.

BEYOND-BORDERS

Refined solutions that pass boundaries.

You live in a globalised world where family members or assets are spread across different countries. So we develop strategies to streamline and avoid double taxation and identify saving opportunities. We utilise existing double-taxation treaties, transfer active holding companies to tax-favourable jurisdictions, and optimise the international withholding tax burden for securities portfolios.

WORLD-WISE

The guidance of local experts.

With our worldwide network of highly skilled local and international attorneys, we help coordinate the tax and legal advise where cross-border asset management and international asset succession issues are involved.

RELOCATION-OPTIMISATION

Making the right moves, relocating across borders.

Moving and relocation of wealthy individuals or families can be accompanied by unpleasant financial consequences. KM Nordic Invest and our partners help to structure all assets so that the tax burden in the new country of residence is favourable.

SIMPLY-FILE

With services that go beyond.

We gather and provide your individual tax reports from our banking partners and coordinate directly with your tax specialist.

For more information regarding Taxation Planning please contact us at welcome@nordicinvest.ch or simply call +41 44 202 77 77

Prepared for the unexpected.

The appropriate planning of long-term financial security is increasingly important in today's world. We anticipate your questions, offer answers and create solutions long before they’re needed.

"How do I ensure that all assets are passed on to chosen beneficiaries?"

"How do I create the most tax efficient solutions for transfer of assets and wealth?"

"How do I keep confidentiality to preferred plans, now and in the future?"

"How do I carefully prepare the financial benefits for my spouse, children, next of kin, elected individuals or foundations?"

Many legal issues regarding transfer of assets and taxation questions need to be considered.

Our services for inheritance and estate planning include:

> Long-term financial planning for wealthy families

> Tax efficient inheritance and estate planning solutions

> Securing transfer of wealth, to spouse, children and others

> Transfer of assets to other nominated persons, trusts or charities

> Nominations to beneficiaries

> Executing or passing on Open-End Life Insurance policies to the next generation.

> Establishing of beneficial trusts.

Securing prosperity.

Our services provide cost efficient, legally and fiscally secure solutions to transfer assets and wealth to desired recipients worldwide. Naturally, our client-partners inheritance and estate planning solutions are protected by strict confidentiality.

For more information regarding Inheritance and Trust Services please contact us at welcome@nordicinvest.ch

Or simply call us at +41 44 202 77 77

Change of domicile

As global citizens, with multiple nationalities, we at KM Nordic Invest understand the benefits and challenges that a change of residence can cause.

Selecting the right location

KM Nordic Invest provides support with the planning and implementation of relocation scenarios. The services range from performing an overall analysis to selecting a domicile and coordinating your interests with the tax authorities.

We provide answers and support, finding a suitable domicile and handle the relocation-related tax and legal issues.

"Change of residence” solutions

It’s a fact that wealth increases mobility and a cosmopolitan lifestyle. In addition, the changes in professional activities and employment or a transition into retirement can lead to a change in residence across borders with above-average frequency. We can help you with associated issues, especially if they follow a change in financial, tax and legal baseline conditions.

No matter where in the world your assets are. We help you build a suitable structure and if required set up a holistic and up-to-date overview.

For more information regarding our Change of domicile services please contact us at welcome@nordicinvest.ch or simply call +41 44 202 77 77