‹ Back

Wealth planning

Wealth planning

By talking to our customers, we are able to analyse their financial situation, carry out succession planning and suggest strategies and structures appropriate to each investor, providing them with an extensive network of experts and local and international suppliers, as well as the expertise of the Banque de Patrimoines Privés within Crèdit Andorrà Group in Luxembourg.

Collective investment institutions in Luxembourg

Personalised wealth management using investment vehicles that offer flexibility to customers in their structure and organisation with the option of compartmentalisation (SICAV, SICAR and SIF). Luxembourg has demonstrated its commitment to developing such instruments.

Holding companies

Luxembourg offers an advantageous legal framework to set up and base holding companies and international groups in the country. The aim is to provide customers with a tax efficient vehicle that offers the opportunity to invest in a diversified portfolio of companies.

Furthermore, Luxembourg is party to a large number of double-taxation treaties that provide customers with a competitive advantage.

Securitisation companies (SPVs)

SPVs make it possible to offer tailor-made solutions in the design of securitisation structures. Practically all predictable income streams or risks can be securitised. In SPVs, customers have the contractual freedom to set the terms and conditions. These kinds of securitisation companies also offer flexibility in terms of the frequency of dividend or coupon payments made by the SPV.

 

Corporate Finance

Through its comprehensive wealth management service, Banco Alcalá offers its customers a range of corporate solutions.


 Image: Corporate Services 

Corporate Services

  • Acquisitions
  • Divestments
  • Mergers
  • Company valuation
  • Identification of financing options: private equity or structured financing
  • Strategic alliances
 Image: Family business area

Family business area

  • Design of holding structures
  • Succession planning, etc.
  • Family agreements
 
Insurance

Through our ERM business (Enterprise Risk Management Gerencia Integral de Riesgos, Correduría de Seguros, SL) of the Crèdit Andorrà Group in Spain, we offer a service called ERM Premium which allows us to provide advice to clients with insurance needs that go beyond traditional requirements. The service is aimed at clients who require tailored solutions.

Moreover, through CA Life Insurance Experts (Compañía de Seguros y Reaseguros, SA Unipersonal) we offer life insurance policies to help our clients avoid hasty decisions due to unexpected events. Our aim is to reduce the financial impact caused by the death of the insured person, to maintain the same level of income and wealth, and to provide access to immediate liquidity to cover payments and obligations in the short term.