Planning | Esfera Wealth AG

Invest

We invest your wealth according to your long-term investment strategy.

Protect

We help you establish a plan for when you are no longer here.

Connect

We connect you with experts, and we connect your children with peers and experts so they are prepared to take the reins of your legacy in the future.

Today we will focus on the “Protection” pillar.

Before we begin, let us briefly explain why we are doing this:

With over 60 years of combined experience, Martin and I have accompanied several inheritance cases involving our clients. One clear pattern stands out: many of these situations were not properly prepared. In many cases, this has led to misunderstandings, conflicts among heirs, and sometimes even long-lasting damage to family relationships. This is precisely why we have made it our mission to address this topic proactively with our clients. Proper planning is not only about wealth, it is about preserving harmony, clarity, and legacy across generations.

We will ask you now 12 questions that will help us begin putting in place a plan to protect your wealth. This survey will take a maximum of 5 minutes.

What is your full name?

Did you know that, if you are not a U.S. person and hold more than USD 60,000 in U.S. securities directly in a personal account, your estate may be subject to U.S. estate tax at a rate of up to 40% upon your death? The same may apply if the securities are held through a foundation, trust, or company when, due to the way the structure is set up—for example, if you retain effective control over the assets—they may be considered part of your estate for U.S. estate tax purposes.

Yes No

Do you currently have a valid will in place?

Yes No

Has it been updated in the last 3–5 years?

Yes No

When was it last updated? (approx. year)

Approx. year

Would you like to review it with a specialist?

Yes No

Would you be open to discussing how to structure one based on your situation?

Yes No

Do you have any trust structure (e.g. family trust)?

Yes No

Is it currently active?

Yes No

When was it established? (approx. year)

Approx. year

Would you like to assess whether it should be reactivated or restructured?

Yes No

Would you like to explore whether a trust could be suitable for you?

Yes No

Do you have a foundation (e.g. private or family foundation)?

Yes No

Has it been reviewed recently?

Yes No

When was the last review? (approx. year)

Approx. year

Would you like a specialist to review it?

Yes No

Are you interested in understanding how a foundation could be used in your case?

Yes No

Do you hold assets through an offshore company (e.g. BVI, Nevis, Panama, LLC, etc.)?

Yes No

Is there a clear succession plan for this structure?

Yes No

Is it documented?

Yes No

Would you like to define one?

Yes No

Would you consider structuring part of your assets through such vehicles?

Yes No

Do you have a life insurance structure linked to estate planning (e.g. PPLI)?

Yes No

Is the beneficiary structure up to date?

Yes No

When was it last reviewed? (approx. year)

Approx. year

Would you like to update it?

Yes No

Would you like to explore how insurance can support inheritance planning?

Yes No

Are all your existing structures aligned with your current country of residence and tax situation?

Yes No

Has this been confirmed recently?

Yes No

When was the last review? (approx. year)

Approx. year

Would you like a compliance check?

Yes No

Would you like to review and align your structures?

Yes No

Do you have a clear plan on how your assets will be distributed upon death?

Yes No

Is it legally documented?

Yes No

Would you like to formalize it?

Yes No

Would you like to define a clear distribution strategy?

Yes No

Are your heirs informed about your structures and how to access them?

Yes No I don’t have heirs

Is there written guidance available?

Yes No

Would you like to organize this properly?

Yes No

Would you like support to avoid future complications?

Yes No

Would you like to explore alternative planning options (e.g. foundations, philanthropy)?

Yes No

Has your situation changed recently (residency, family, assets, business)?

Yes No

Have you updated your estate planning accordingly?

Yes No

Would you like to review it?

Yes No

Would you be interested in a confidential discussion with a specialist to review or structure your inheritance planning?

Yes No

Where would you prefer the specialist to be located?

Switzerland USA My country of residence Not relevant Other country

Thank you very much for your answers!

We will contact you shortly to discuss the next steps.

Before we begin, let us briefly explain why we are doing this:

What is your full name?

Do you currently have a valid will in place?

Has it been updated in the last 3–5 years?

When was it last updated? (approx. year)

Would you like to review it with a specialist?

Would you be open to discussing how to structure one based on your situation?

Do you have any trust structure (e.g. family trust)?

Is it currently active?

When was it established? (approx. year)

Would you like to assess whether it should be reactivated or restructured?

Would you like to explore whether a trust could be suitable for you?

Do you have a foundation (e.g. private or family foundation)?

Has it been reviewed recently?

When was the last review? (approx. year)

Would you like a specialist to review it?

Are you interested in understanding how a foundation could be used in your case?

Do you hold assets through an offshore company (e.g. BVI, Nevis, Panama, LLC, etc.)?

Is there a clear succession plan for this structure?

Is it documented?

Would you like to define one?

Would you consider structuring part of your assets through such vehicles?

Do you have a life insurance structure linked to estate planning (e.g. PPLI)?

Is the beneficiary structure up to date?

When was it last reviewed? (approx. year)

Would you like to update it?

Would you like to explore how insurance can support inheritance planning?

Are all your existing structures aligned with your current country of residence and tax situation?

Has this been confirmed recently?

When was the last review? (approx. year)

Would you like a compliance check?

Would you like to review and align your structures?

Do you have a clear plan on how your assets will be distributed upon death?

Is it legally documented?

Would you like to formalize it?

Would you like to define a clear distribution strategy?

Are your heirs informed about your structures and how to access them?

Is there written guidance available?

Would you like to organize this properly?

Would you like support to avoid future complications?

Would you like to explore alternative planning options (e.g. foundations, philanthropy)?

Has your situation changed recently (residency, family, assets, business)?

Have you updated your estate planning accordingly?

Would you like to review it?

Would you be interested in a confidential discussion with a specialist to review or structure your inheritance planning?

Where would you prefer the specialist to be located?

Thank you very much for your answers!

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