Each
day, were confronted with financial questions requiring decisions based
on keen legal and fiscal knowledge.
Since 1988, our role is to provide private individuals, as well as
company management, with full-scope financial solutions to the
following questions:
· Contingency Funds
· Savings Plans
· Retirement Planning
· Investment Strategies
· Customized Financing
CONTINGENCY FUNDS
Sick leave, accidents, illness or even the death of someone who assures
family income or a companys survival can directly compromise the
financial future of:
Your familyYour company,Temporary or permanent loss of salary Key
person insurance, Reimbursement of medical bills, Group insurance,
Medical coverage, Loan coverage, Personal or home loans,Transmission of
company,Associates insurance, Inheritance planning, Inheritance
insurance
RETIREMENT PLANNING
In the near future, pension funds will likely reduce their level of
coverage and pension payments du to the decrease in contributors as
compared
to
retirees.
When counting in 1960 4 active workers for one retiree, this ratio has
decreased to 2.2 active workers for 1 retiree.
Spontini-Kerflec'h Financial Planning proposes clients (management
professionals, independent contractors . . . or directly to companies
wishing to assure employee coverage) a comprehensive analysis of their
individual or collective situation with the objective of determining
appropriate financial solutions.
· reinforced individual retirement packages (for private
clients) or collective, in the form of group contracts or individual
salary packages without obligation for other salaried employees.
· end of career or retirement compensation in order to allow
companies to plan for future financial commitments, in accordance with
prevailing
legal
policies.
In order to relieve you of the administrative workload pertaining to
the incorporation of a company, Spontini-Kerflech Financial Planning
proposes to organize your affiliation to all obligatory retirement
funds.
SAVINGS & INVESTMENT STRATEGIES
We analyze your personal fortune and financial situation, short- mid
& long term.
Family assets
Company assets
Short-term
Tax planning
Expense planning, inferior to 1 year: travel, hobby . . .
Treasury management
Mid-term
Housing & automotive finance
Company incorporation, personal projects, sabbatical leave
Donations and indemnities for descendants
Retirement and lay-off indemnities
Long-term
Secondary housing finance
Retirement packages
Inheritance
Retirement planning.
For each client, the personal analysis drawn-up takes into account your
specific objectives (retirement, inheritance or trust. . .), your
preferences (expected return, risk management, liquidity . . .) as well
as
your
financing capabilities.
The final result is of course a customized proposal adapted to your
needs, while maximizing your tax relief.
