Areas of expertise of Banque Richelieu Wealth management planning the cornerstone of our relationship Wealth management planning serving transfer, making it possible to secure the our clients, reactive, and proactive, allows buyer while giving the sellers more room to clients to consider their life projects. manoeuvre on the capital from the sale. An initial meeting with one of our specia- Regarding the new abuse of rights law that lists can help identify areas of vulnerability, came into effect on 1 January, wealth ma-st to be subsequently worked on, in your nagement planning informed the Bank’s personal situation with regard to your family clients in 2019 to allow them to adapt their objectives. strategies to the new tax situation. Detailed in writing, the proposed strategies, These strategies are continuing with sup- which strictly comply with existing legisla- port from your usual advisers (solicitors, tion, aim to make the most of the civil, tax, lawyers, accountants, etc.) for the practical and financial systems offered under the law. implementation of recommendations rela- For example, we issued a first demand bank ting to their field. guarantee, in under a week, for a business Jean-François Lucq Head of Wealth Management Planning Term deposits: an investment combining capital guarantee, availability, and return on capital Banque Richelieu has been very success- Different maturities available (mainly ful with its term deposits, allowing, sub- from 3 to 24 months); ject to locking up the money, a return on Attractive rates, in euros or dollars, depen- capital over the determined period. ding on the maturity of the investment; This product, which meets the financial Early repayment of capital, under the management requirements of both large conditions set by the Bank; groups and wealthy individuals, is also No fees; flexible due to: I nvestments set up within 24 hours. 20 BANQUE RICHELIEU