Financial check | Vermögens Planungs Zentrum AG

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Have you ever done a detailed budget planning on the basis of your current and future cost of living?

Are you aware of the market-leading and best possible investment strategies to increase your assets in a value-preserving and profitable manner?

Have you ever had your existing banking and asset management solutions assessed by neutral and bank-independent analysis?

Applicable bank charges affect your return and thus your asset development. Have you ever independently checked or even negotiated these costs and fees?

Are you aware of the insurance benefits from your employer in the event of illness or accident and are these adjusted to your private provision situation?

Your retirement fund benefits are vitally important for your future. Do you know details of your insurance and what these benefits are composed of?

Are you aware of the options of early retirement and their effects?

Have you made any financial provisions in case you lose your job and do you know what needs to be paid particular attention to in such an event?

Do you know in detail how you and possibly your family members are insured in the event of disability due to illness or accident, in case of death, and at retirement age?

On the basis of your current occupational and life situation, have you ever had your existing provision solutions independently checked for underinsurance or overinsurance?

Are you aware of the future risks and impacts of the failed reform of “Retirement Provisions 2020”?

Are you well informed about the current benefit situation and the related security of your retirement fund?

Are you sure you utilise all possibilities for tax deductions?

Is your mortgage financing optimally designed including from a tax point of view?

Have you split any future retirement benefits from the second and third pillars [occupational and private pension schemes] in a tax-efficient way?

Would you perhaps be interested in a tax location comparison of your place of residence?

Are your relatives financially secured even in the event of an exceptional occurrence?

Is your budget planning sychronised and updated according to your family situation?

Have your private financial documents ever been checked by an independent partner over the past five years as to whether they are up to date?

Do you and your relatives have an up-to-date overview of all your important and confidential files at any time?

Based on income, taxation and budget factors, do you know whether you will be able to afford residential property today in general terms and, above all, in future?

Have you ever had a bank-independent check which financing institution would offer the best price-performance ratio for your existing situation?

Based on independent advice, do you know whether your individual home financing and its mortgage model are really the best possible solutions for you?

Do you know whether the amortisations as per your contract are sensibly configured and whether these are optimal from a tax point of view as well?

Based on professional and independent advice, are you aware of the advantages and disadvantages of receiving your pension as regular payments or as a lump sum from your retirement fund?

Did you know that you ought to plan your retirement at an early stage, that is, at least ten years before your planned departure from the professional world?

Are you aware of your income and expenditure from the date of retirement, based on budget planning after tax?

Have you ever checked whether purchases of additional retirement benefits would perhaps be of interest and profitable, even irrespective of any tax considerations?

Have you regulated the inheritance and estate situation for you and your relatives and are you aware of the contractual components and key points concerning the validity of provisions?

Do you know what a patient decree or living will is and have you possibly ever given it a thought?

Are there any written directions concerning all assets and do these apply to all family models (including, for instance, cohabiting couples)?

Inability to act can have drastic effects on your personal and financial situation. Are you aware of the advantages and possibilities of a lasting power of attorney?

Hotline: 0800 822 288

Financial check-up. If desired, VPZ will now analyse your existing situation in detail and thus your current status, and compare this with your individual needs and goals. VPZ is convinced that only such a holistic and independent assessment can lead to an optimal solution. In the end, this sustainable approach will synchronise all factors, organisations, partners and asset components. In this way, the outcome will not just consist of short-term results but be exclusively focused on long-term success.

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Hotline: 0800 822 288