The ABC to grow your wealth…

Our solutions to key wealth management questions

“IF YOU FAIL TO PLAN, YOU ARE PLANNING TO FAIL”

Analogously to a quote from Benjamin Franklin

The ABC to grow your wealth…

our answers to key wealth management questions

Invest to reach your goal

You want to buy a house, build a safety net for your family or invest for the long-run? This template allows you to specify various goals across all spectrums of life.

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Invest to reach a goal

Pay back your debt

You want to reduce your debt like your mortgage before retirement? We help you to structure your investments that support your debt payments and to reduce your obligations over time.

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Pay back your debt

Plan your retirement

You wonder how much you have to save for retirement? Retired or not, we help you to estimate how much capital is needed before you can retire or how much capital to spend when retired.

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Plan your retirement

How turning income into wealth?

start with your ABCs early

Scientific research shows that setting concrete goals intensives motivation for achievement and increases goal commitment.

However, to turn successful income into wealth it is important to set the sequence of goals right.

SAME INCOMES

Our couple shares the same income over time

EARN

SAVE

Defines regularly how much to set aside for financial safety and independence

Reduces private debt
Builds safety net

SAVE

INVEST

Believes that better to invest independently into own wealth

Plans buying a house
Plans education expenses

INVEST

ENJOY

Reaches sufficient financial buffer to enjoy without doubts

Enjoys retirement
Plans her estate

ENJOY

TWO OUTCOMES

But they differ how their income is used over time

EARN

Spends without hesitation

Believes higher future income will compensate

Buys a luxury watch
Books expensive holidays

SAVE

Trusts in state run systems

Believes that welfare state will do the trick if needed

Leases a sports car
Buys a 85’’ flat screen

INVEST

Misses sufficient buffer

Lacks sufficient financial buffer questioning if it will be enough

Has not sufficient funds
Doubts if retiring possible

ENJOY

Turning income into wealth has never been easy. It requires monitoring your expenses in relation to your income. Diligent saving and careful spending help to build up an initial buffer to cover basic needs. It is only later that one can start investing for the longer term in order to achieve life goals such as buying a house or paying off debt. After this is achieved, the focus is on retirement and estate planning. We give you the tools to do all of this, but YOU must have the discipline and perseverance!