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Private Banking Customized Financial Planning
Private Banking Customized Financial Planning
Presented by Dr
Presented by Dr
Excellence through Strength - An uncompromising attitude to quality
Excellence through Strength - An uncompromising attitude to quality
Relationships - Strong client partnerships
Relationships - Strong client partnerships
Relationships - Strong client partnerships
Relationships - Strong client partnerships
Added Value Services
Added Value Services
Key Issues to be addressed
Key Issues to be addressed
Businesses: (1) Plastic Company (2) French Restaurant
Businesses: (1) Plastic Company (2) French Restaurant
Presented by Dr
Presented by Dr
Business Presented by Dr
Business Presented by Dr
Business 1 : Plastic Company Liquidity Planning / Re-capitalizing
Business 1 : Plastic Company Liquidity Planning / Re-capitalizing
Suggestion (1): Buy-Sell Agreement
Suggestion (1): Buy-Sell Agreement
Suggestion (2) : Management Buy-Out
Suggestion (2) : Management Buy-Out
Suggestion (3): Private Equity Investor
Suggestion (3): Private Equity Investor
Suggestion (4) : Strategic Partnership
Suggestion (4) : Strategic Partnership
Plastic Company: Retirement Plan
Plastic Company: Retirement Plan
Business: French Restaurant
Business: French Restaurant
Personal Investments Asset Allocation Recommendations
Personal Investments Asset Allocation Recommendations
Presented by Professor Dr
Presented by Professor Dr
Personal Investment Used assets are not included
Personal Investment Used assets are not included
Current Overall Asset Allocation
Current Overall Asset Allocation
Recommendations I
Recommendations I
Current Financial Markets Asset Allocation
Current Financial Markets Asset Allocation
Recommended Asset Allocation Conservative – Balanced Portfolio
Recommended Asset Allocation Conservative – Balanced Portfolio
Recommendations II
Recommendations II
Trust Structures
Trust Structures
Presented by Dr
Presented by Dr
Presented by Dottore Filippo Pignatti Morano di Custoza
Presented by Dottore Filippo Pignatti Morano di Custoza
QTIP Trust I
QTIP Trust I
QTIP Trust I
QTIP Trust I
Charitable Remainder Trust I Recommendation: To be included in the
Charitable Remainder Trust I Recommendation: To be included in the
Charitable Remainder Trust II Recommendation: To be included in the
Charitable Remainder Trust II Recommendation: To be included in the

Презентация: «Private Banking Customized Financial Planning». Автор: Michael Konrad GmbH. Файл: «Private Banking Customized Financial Planning.ppt». Размер zip-архива: 172 КБ.

Private Banking Customized Financial Planning

содержание презентации «Private Banking Customized Financial Planning.ppt»
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1 Private Banking Customized Financial Planning

Private Banking Customized Financial Planning

For William Wyatt

“Preparing for the Future”

2 Presented by Dr

Presented by Dr

Kai Poetschke, MBA

Economist and Journalist MBA: London School of Economics, PhD: New York University Worked for Bank of Scotland and Chase Manhattan Bank Moderator of own TV-Show: “Your business is my business” since 1967

3 Excellence through Strength - An uncompromising attitude to quality

Excellence through Strength - An uncompromising attitude to quality

Founded in 1870, Deutsche Bank is currently the largest financial institution in the world, with assets exceeding USD 800 billion. ? a strength that is able to reach around the world, identify opportunities and realize them for the benefit of its clients. One of the most highly rated banks in the world. Pre-eminent reputation among world major banks, based on the strength and depth of its business, on its innovative approach to new opportunities, and on enduring client relationships.

4 Relationships - Strong client partnerships

Relationships - Strong client partnerships

Our aim is to establish an all encompassing financial plan with expertise and care that addresses all issues With an appropriate wealth management strategy, the overall objective is wealth preservation and enhancement through a disciplined approach to investment, combining: 1. A thorough understanding of your individual circumstances, income requirements, return expectations, risk appetite and other objectives. 2. A complete and detailed analysis on your personal business including recommendation regarding succession planning, buy-outs, IPOs & any other customized solutions. 3. Asset allocation and selection expertise that reflects our client’s specific goals. 4. A well-established, prudent investment philosophy. 5. Strong emphasis on client communication and reporting.

5 Relationships - Strong client partnerships

Relationships - Strong client partnerships

Deutsche Bank Private Banking is able to access a wide range of resources and expertise from its large global network within the Deutsche Bank Group. Irrespective of location, the group works closely together as a team in the interests of the clients and as an integral part of Deutsche Bank Private Banking worldwide network. Deutsche Bank Private Banking brings to you professionals who have long and varied experiences in private client work

6 Added Value Services

Added Value Services

Trust & Fiduciary Services - Deutsche Bank International Trust Company Limited (DBITC), headquartered in Guernsey and with presences in DB’s regional private banking centers, provides trust, fiduciary and other related services to our private clients. Confidentiality & Privacy are key: Creditor Protection, efficient tax planning Your Private Banker in Deutsche Bank can access and co-ordinate with the professionals at DBITC who have expertise in Trust and Estate Planning in order to safeguard your wealth and facilitate effective wealth conservation. US based Trust & Estate Planning incorporating all aspects of US laws & regulations are accessed through our local Trust experts in NY

7 Key Issues to be addressed

Key Issues to be addressed

Businesses: Plastic Company & French Restaurant Personal Investments Personal Retirement Plans Insurance Estate Planning

8 Businesses: (1) Plastic Company (2) French Restaurant

Businesses: (1) Plastic Company (2) French Restaurant

9 Presented by Dr

Presented by Dr

h.c. Joerg Sulimma, Attorney

75 years of experience as international lawyer and tax advisor Financial and law degrees of the universities of Harvard, Capetown, Stockholm and Cuala Lumpur Over 150 publications in the main law and financial magazins of the world

10 Business Presented by Dr

Business Presented by Dr

Samantha Ho

25 years of experience advising top-tier clients on business related issues Articles published in Leading Wealth Management Journals B.S. Finance: Boston University MBA: Wharton Business School PhD in Philosophy & Political Science: Harvard University

11 Business 1 : Plastic Company Liquidity Planning / Re-capitalizing

Business 1 : Plastic Company Liquidity Planning / Re-capitalizing

Main objective: More access to capital & aggressive business plan & to grow the business 4 partners with equal share One partner is looking to sell Strong cash position : $2 million EBIT Possible Solutions for partner to : Buy-Sell Agreement (using Insurance) Management Buy-Out (MBO): Formal Buy-out Agreement, Stock Options for employees Private Equity Strategic Partner Retirement plan for the firm: 401(k) Pension Fund (defined contribution), defined benefit, Stock Options

12 Suggestion (1): Buy-Sell Agreement

Suggestion (1): Buy-Sell Agreement

Orderly transfer of business if any partners of the partners wants to sell out or dies Permits co-owners to continue in their business roles Allows a fair-market price for the business to be agreed upon today Who will fund this Agreement??? Through an Insurance (Business has good strong cash position able to buy this insurance)

13 Suggestion (2) : Management Buy-Out

Suggestion (2) : Management Buy-Out

Succession Planning Employees have possibility of putting money into company: Stock Options (can also be included in the retirement plan) Issue new equity (voting vs. non-voting) Partners may sell out their shares but could remain involved in the business as a Business Advisor or Director => Consultant agreement Employees to purchase the shares of any partners who want to sell-out => Possibly could get increase in credit

14 Suggestion (3): Private Equity Investor

Suggestion (3): Private Equity Investor

Non-traditional low-cost source of financing Adds discipline to management & possible expertise know-how More contacts leading to new business opportunities & new clients More access to capital from existing creditors

15 Suggestion (4) : Strategic Partnership

Suggestion (4) : Strategic Partnership

Raise additional capital Synergies Find a partner who could bring additional value to the firm: Example, a firm / partner who is strong in distribution or marketing Strategic partners – to consolidate with competitors (although you may get the lower value) Could possibly get increase in credit

16 Plastic Company: Retirement Plan

Plastic Company: Retirement Plan

401(K) : Defined Contribution & Defined Benefit Menu of portfolios to choose from Deferred income tax: low tax bracket vs. current tax income Stock Options

17 Business: French Restaurant

Business: French Restaurant

A 50% Co-Owner Earnings from restaurant: $10,000 per year Son: Chef & Manager. Would like to continue business Solution: Limited partnership (Father), General Partner (Son) with a management contract: I.e. Bonus Base or Fee Base (tax deductible) Son tax bracket: Low Gift from father: $10,000 worth of sharse of the restaurant per year (up to $650,000 tax exemption).

18 Personal Investments Asset Allocation Recommendations

Personal Investments Asset Allocation Recommendations

19 Presented by Professor Dr

Presented by Professor Dr

Sandra Duncan

BSc Finance, MBA, JD, PhD (Tax Efficient investments) Author of best selling book “Damn it, Take Control of Your Finances – How to legally pay no taxes”. 27 years of experience in structured investments with Goldman Sachs, Merrill Lynch, Deutsche Bank Associate Professor of Tax planning New York University

20 Personal Investment Used assets are not included

Personal Investment Used assets are not included

Is your current investment asset allocation adequate? Cash Equivalents $ 57,000 (3.38%) Certificate of Deposit $ 100,000 (5.93%) U.S. Treasury Notes $ 175,000 (10.37%) Municipal Bonds $ 310,000 (18.38%) Large Cap U.S. Growth Stocks $ 285,000 (16.89%) Commercial Real Estate $ 375,000 (22.23%) French Restaurant $ 55,000 (3.26%) Stock in Plastics Company $ 380,000 (22.53%)

21 Current Overall Asset Allocation

Current Overall Asset Allocation

22 Recommendations I

Recommendations I

Commercial real estate investment ties up too much capital ROE (Cash Flow) too low (7.7%) Suggestion: Refinance existing mortgage up to maximum allowed value Interest cost of mortgage is tax deductible Solution: Additional cash becomes available for investment in company

23 Current Financial Markets Asset Allocation

Current Financial Markets Asset Allocation

24 Recommended Asset Allocation Conservative – Balanced Portfolio

Recommended Asset Allocation Conservative – Balanced Portfolio

25 Recommendations II

Recommendations II

Current financial market asset allocation is not balanced enough! Goals: Capital Appreciation on investments Restructure to a Balanced Portfolio: 10% Cash/CDs, 40% Equities, 50% Fixed Income Switch USD Large Cap Growth Stock Portfolio to globally diversified Portfolio of Growth Stocks This allocation should produce stable returns on a risk-adjusted basis To reduce cash by approximately 7% 2. Minimize taxes I.e. The Gift-Tax Annual: tax exclusion of $10,000 (preferably to transfer to someone with a low tax bracket) Suggestion: Enable you to give $10,000 p.a. to each grandchild

26 Trust Structures

Trust Structures

27 Presented by Dr

Presented by Dr

Dr. HC Alexandra Schulz, Chief Trust Officer

29 Years of experience in Trust and Estate Planning Founder of Deutsche Bank’s Trust and Estate Planning Division BSC, Astrophysics, MSc, Mathematics, PhD Financial Planning M.I.T and Stanford University Voted “Best Financial Advisor”, Global Financial Advisors Guild 1998

28 Presented by Dottore Filippo Pignatti Morano di Custoza

Presented by Dottore Filippo Pignatti Morano di Custoza

Economist, MBA and PhD at University of Palermo Long time Specialist in Italian and Austrian economies Worked for NatWest Bank, Banco di Italia, Banco Santander, National Westminster Bank and Banco di Palermo, Banca Criminale Organizato Di Italia President of the Italian Communist Party, candidate for the presidential elections in the year 2000

29 QTIP Trust I

QTIP Trust I

QTIP Trust To include the current life insurance

Property Owner Bill Wyatt

Income Beneficiary June Wyatt

Principal Beneficiary Grace Wyatt (Daughter)

30 QTIP Trust I

QTIP Trust I

Income to spouse for lifetime Daughter is principal beneficiary and receives the property after death of her mother Grantor retains ultimate control over the final beneficiary of the assets Trust ends after death of the spouse

31 Charitable Remainder Trust I Recommendation: To be included in the

Charitable Remainder Trust I Recommendation: To be included in the

Will

Charity Remainder Trust

Property Owner Bill Wyatt

Income Beneficiary June Wyatt

Principal Beneficiary College

32 Charitable Remainder Trust II Recommendation: To be included in the

Charitable Remainder Trust II Recommendation: To be included in the

Will

Assets will be transferred into the trust after grantor’s death Trust will pay income to the spouse as beneficiary Trust ends after death of the spouse Principal beneficiary receives the property

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