Governments are firmly determined to increase tax on private wealth, to impose worldwide financial transparency, and to reduce tax avoidance. It is therefore inevitable that wealthy investors will be facing more and more threats on their capital; yet at the same time many existing tax planning solutions will cease to be effective. In such an uncertain environment, high net-worth investors' first priority should be preservation of capital and the identification of personal financial objectives.

Lombard's business is the creation of long term wealth preservation strategies for high net-worth individuals, in conjunction and consultation with their personal financial planning advisers. Our aim - to provide practical strategies that deliver certain and positive solutions - is based on four core principles:

Maximum investor protection and security

In a market beset by uncertainty, security and investor protection has become paramount. But turbulent stockmarkets have not only eroded the wealth of private investors. They have also inevitably affected the financial strength of institutions such as banks and insurance companies. The only certain way for investors to achieve security is from a state controlled investor protection regime. One state in Europe, Luxembourg, provides such security through its investor protection law - a regime that provides maximum security to investors, without limit.

High quality independent professional advice

Lombard is firmly committed to the principle that it is essential for private investors to obtain top quality independent investment, taxation and financial planning advice. For high net-worth investors, it is particularly important that their advisers work together to create a co-ordinated and coherent long-term wealth management strategy.

A tax efficient legal ownership structure

The two essential components of an effective wealth preservation plan are an investment management strategy, which meets your risk profile to achieve growth and a legal ownership "structure" which will protect capital from the erosive effects of taxation and facilitate the tax efficient transfer of wealth to future generations. We believe that establishing an effective structure should be the first priority and the first step in the creation of a successful wealth preservation strategy.

Privatbancassurance concept

An extremely effective legal ownership structure tailored to meet the specific financial and personal requirements of each investor.