The subject of pensions is not easy, but it is enormously important for the future, no matter what stage of life you are currently in. Network-Karriere has asked the Munich lawyer Dr. Johannes Fiala and the pension specialist Dipl.-Math. Peter A. Schramm to prepare the most important facts: “Live today, save later” is often the […]
Artikel zum Thema: Donation
Asset management in private wealth management
The FLV-jacket as a highly interesting tool for asset structuring and optimization from a tax and inheritance planning perspective The advisor of private wealth clients should know the advantages of investing abroad. Of central importance are discretion, creative flexibility, as well as banking and insurance secrecy. Buzzwords: Income taxes Inheritance Taxes Withholding taxes individual […]
Private pension insurance: How does the sale work?
The policyholder is insolvent and urgently needs money. There would be the possibility to sell the right to his private pension. How the framework for this is set and when a transfer can fail, describe attorney Dr. Johannes Fiala and actuary Peter A. Schramm in their contribution “The ordinary right to a private pension could […]
Permits for guardianship of minors, care and administration of the estate
Permits for guardianship of minors, care and administration of the estate Introduction A legal guardian can be appointed for an adult: Legal guardianship leads to legal guardianship, § 1902. The guardianship court may appoint a voluntary guardian (lay guardian) or a professional guardian. The appointment of a suitable volunteer supervisor is a priority. The volunteer […]
Asset Protection: How millionaires are misled by financial planners and consultants
– Why some asset protection leads to poverty or prison – It is common practice for credit institutions of all kinds and independent advisors to sell “private financial planning” to their clients. This may well cost a few thousand euros in fees – only for the time being, because the damage done in the […]
Capital protection: Why some asset protection schemes lead to poverty or prison
It is common practice for credit institutions of all kinds and independent advisors to sell “private financial planning” to their clients. This may well cost a few thousand euros in fees – only for the time being, because the damage done in the process is often up to more than six figures. Bank(st)ers let it […]
Legally managing the insolvency risks of pension schemes
The basic provisions granted by the legislator as a protective shield for old-age provision are not comprehensive. The approach of professional asset protection starts with the consideration of an early division of assets. By separating the professional risks within the framework of a corporation from the private assets, a liability block is created quite legally. […]
Chaos trap voluntary disclosure
How errors and tricks become a neck-breaker There are definitely taxpayers who, even in the context of a voluntary disclosure, speculate that the tax office will not discover an estimate that is too low or other incompletenesses. After a precautionary overestimation of tax liabilities, precise calculations must be made on the basis of the […]
Liability despite total loss
– What are the liability risks for investors, advisors and intermediaries? German investors lose up to more than 40 billion euros annually on capital investments. Time and again, public prosecutors or insolvency administrators are interested in whether the calculation of returns or the practices in balance sheets and accounting have been all too creative […]
Capital investments as modified fastball systems – tax liability despite total loss
– What are the liability risks for investors, advisors and intermediaries? German investors lose up to more than 40 billion euros annually on capital investments. Time and again, public prosecutors or insolvency administrators are interested in whether the calculation of returns or the practices in balance sheets and accounting have been all too creative […]