Immobilienpilot: “Leverage transactions

Chance of multiple profit – but also private bankruptcy risk ! (at the same time with reference to the new BGH ruling on consultant liability, V ZR 402/99)     The original case:   Dr. Peter Fleißig, a physician with a successful practice, 45 years old, one wife, two children, is informed by his financial […]

The real estate GmbH as a supposedly clever tax saving idea

– Why smart private investors should give it a wide berth? – But woe, woe, woe! When I look at the end!!! (Wilhelm Busch, 1865)   Asset-managing LLCs are among the top topics of numerous podcasts penned by experts and professors. This construction is advertised, for example, with the fact that only 15% corporate income […]

Gift tax and inheritance tax

How to protect your assets from gift tax First of all, it is important to clarify the question of why such a bizarre-sounding tax as the gift tax is actually levied in Germany. The widespread belief that one can freely dispose of one’s own property and private assets, which have already been severely affected by […]

Company Succession: Generation Change in Family Businesses

How to ensure the continuity Germany, the country of medium-sized companies, owner-managed family businesses and difficult company succession. There is hardly a country that boasts as much about the strength of its middle class as Germany. At the same time, however, despite all the pride in the middle class, no other “social class” is asked […]

Anticipated succession

Juristische und steuerrechtliche Beratung für Erblasser zum Thema Erbfolge Wer zu seinen Lebzeiten ein privates Vermögen aufgebaut hat oder familiäres Vermögen erhalten und gemehrt hat, möchte dies auch in Zukunft im Verband der eigenen Familie beziehungsweise Erben wissen. Erklärtes Ziel ist es hierbei selbstverständlich, das eigene Vermögen zu erhalten, ohne durch den Fiskus oder eventuelle Erbschaftsstreitigkeiten […]

Books / Technical articles

Publications – Technical papers Fiala/Schramm, Insolvency risk of British life insurers when relocating to Ireland, ExpertenReport, issue 7/2019, pages 60-62 Fiala/Schramm, When are insurers no longer obliged to pay benefits or can reduce benefits?Expert Report, issue 3/2019, pages 56-58 Fiala/Schramm, No insurance coverage in case of refusal to pay protection money, ExpertenReport, issue 11/2018. Pages […]

Finance and risk control

More wealth in a planned and controlled manner The own assets in a planned and future-oriented management as well as value-enhancing and risk-optimized investment requires the highest degree of Knowledge and time. Not everyone who has achieved a certain level of wealth is also a financial or controlling expert , so it is advisable to […]

Lawyer for banking law in Munich

Banking law: errors in advice, credit traps and more As a lawyer for banking law, I know that a bank has been part of our daily life since our earliest childhood. Just remember your first savings book, which you probably got at primary school from the nice savings bank advisor next door. We withdraw money, […]

When real estate becomes junk real estate

How do banks and insurance companies finance usuriously overpriced real estate? Scrap real estate is a topic for up to more than two million affected investors. The Investors’ Council says: “Only invest in investments that you understand yourself”. This applies to the timing of investments and the ongoing monitoring of capital investments. More often, experts […]

How investors are deceived when buying property

Deception of investors: The real estate as a supposedly safe investment The deception of investors in the real estate segment is unfortunately common practice. Real estate investors are often deceived by false or misleading information. For example, it is not uncommon for sample invoices to lack important information for calculating returns, such as any costs […]