Wealth Management
Private Banking for Wealth That Has to Last Beyond You
Wealth management is rarely only about investments. It involves structuring, succession, tax exposure, liquidity, and the intentions of people who will inherit what you have built. We approach each relationship as a long one, combining the discipline of our investment teams with the practical work of protecting and transferring wealth. Because we are independently owned, the advice we give answers to nothing other than your objectives.
Entrepreneurial instinct and generations of experience are what allow us to serve private and institutional clients with the same conviction.
What's Included
Discretionary Mandates
Delegate day-to-day management to our investment teams within an agreed profile, allowing portfolio changes to be implemented quickly as markets move.
Advisory Mandates
Retain final say over every decision while drawing on our specialists, our research, and opportunities not accessible through a custody account alone.
Custody Accounts
Hold assets with the bank while keeping full control over how they are managed, backed by a conservative balance sheet.
Wealth Structuring & Succession
Estate planning, succession arrangements, and asset protection structures designed around family circumstances rather than templates.
Family Office Services
Support for families establishing or running their own office, including consolidated reporting and coordination of external advisers.
Philanthropy & Legacy
Practical help structuring charitable giving and foundations so that intent survives the transfer.
Service Benefits
Capital Preservation First, on Terms You Set
Every wealth plan we build starts from preservation, because a portfolio that cannot absorb a difficult decade never reaches the good one. From there, the shape of the relationship is yours to determine: how involved you want to be, how often you want to hear from us, and how much authority you delegate. We invest our own capital alongside our clients’ — the simplest way we know to keep our interests aligned with theirs.
Benefits
- Capital preservation as the governing principle
- You set the level of involvement and reporting
- Direct access to the specialists behind each recommendation
- Independent, objective advice with no proprietary product agenda
- Coordination of tax, legal, and confidentiality considerations
- Our own capital invested alongside yours
How We Work
A Structured Approach to Professional Bookkeeping
Step 01
Understanding Your Position
We build a full picture of your objectives, your family circumstances, and what you intend your wealth to do — including the changes you can anticipate and the ones you cannot.
Step 02
Income, Liquidity & Constraints
We examine short- and long-term spending needs against your requirements for security, performance, liquidity, and reference currency.
Step 03
Structuring the Solution
Tax, legal, and succession considerations are factored in before the strategy is set, so the structure supports the plan rather than working against it.
Step 04
Managing & Reviewing
Your portfolio is managed to the agreed mandate and reviewed on your preferred cycle, with adjustments as circumstances and markets change.
WHY CAPITAL HERITAGE
A Private Bank Small Enough to Know You
Dedicated Coverage
One private banker who knows your position, supported by specialists you can speak to directly rather than through intermediaries.
Independence
Privately owned, with no parent company or product shelf shaping what we recommend.
Beyond Portfolio Management
Structuring, succession, philanthropy, and family office support — the parts of wealth that portfolio returns alone don't address.
Aligned Capital
We hold our own money in the same strategies we recommend.
FAQs
Under a custody account, assets are held with the bank and you manage them yourself. Under an advisory mandate, we provide recommendations and you make the final call. Under a discretionary mandate, we manage within an agreed profile without seeking approval for each transaction. Many clients use more than one across different portfolios.
Advisory suits clients with strong market knowledge and time to be actively involved. Discretionary suits those who would rather delegate execution and benefit from faster implementation. We will tell you honestly which we think fits, including when it is the less profitable option for us.
Wealth management relationships typically start at [CHF X]. Below that, we will say so and suggest a more suitable arrangement rather than accept a mandate we cannot service properly.
As often as you want. Some clients want a monthly conversation, others an annual review and reporting on request. The cadence is agreed at the outset and can change whenever you wish.
Yes, and we frequently do. We coordinate with external specialists rather than insisting that all advice comes from within the bank.
Fees are agreed in advance and disclosed in full, including costs embedded in underlying instruments. Retrocessions we receive are rebated to you.
Start a Conversation About Your Wealth
Whether you are structuring family assets for the first time or reviewing an arrangement that no longer fits, the first meeting is with the banker who would look after the relationship.