71.jpg
Banque Heritage Art-398-Couleur.jpg
09.jpg
Banque-Heritage-Salon-403.jpg
71.jpg

Private Banking


At Banque Heritage, each private banking relationship is unique

SCROLL DOWN

Private Banking


At Banque Heritage, each private banking relationship is unique

WHAT WE DO

The Private Banking facilities at Banque Heritage reflect our ambition for carefully managed growth. We are divided into several departments, each concentrating on specific geographical locations or specialist interest groups. We understand the importance of maintaining outstanding relationships with our clients by displaying understanding, adaptability and integrity at all times. By remaining independent and objective in everything we do, the interests of our clients always come first. 

We focus on each client individually, considering their financial objectives, future aspirations and their desired legacy.  We approach each relationship thoughtfully and for the long-term – offering strategic guidance to the ongoing wealth management process, while capturing the tactical opportunities that arise. Banque Heritage provides private and institutional clients with trusted advice and a comprehensive range of tailored wealth management solutions.

Our wealth management process is truly holistic. With an emphasis on capital preservation and a keen understanding of the complexity and dynamics of wealth management, Banque Heritage leverages the research, portfolio management and trading expertise of our Asset Management division – ensuring the best solutions are put forward for each client. 

We engage a broad array of well-regarded external specialists – all of whom contribute to building a long-term relationship based on mutual trust and growth. Our services go well beyond traditional wealth management to include: wealth structuring, asset protection, philanthropy and services related to the founding of family offices.

Banque Heritage Art-398-Couleur.jpg

Our Relationship


Establish long and rewarding relationships based on mutual trust and understanding

SCROLL DOWN

Our Relationship


Establish long and rewarding relationships based on mutual trust and understanding

HOW WE DO IT

We aim to establish long and rewarding relationships based on mutual trust and understanding.

  1. We begin the process by understanding your needs - so that we can develop a picture of your strategic wealth management goals, as well as the likely impact of changing circumstances, whether anticipated or not.  
  2. We examine short and long term income and spending requirements - in order to match your objectives in terms of security, performance, liquidity and reference currency.
  3. We take into consideration the applicable tax, legal and confidentiality issues - so as to further optimize your wealth management outlook.

Our comprehensive, open architecture platform comprises a range of wealth solutions, estate and succession planning and bespoke corporate services. Managing wealth involves careful consideration of a broad range of issues, which we help you navigate to develop a customized wealth management solution.

Capital preservation is at the core of both our investment approach and overall wealth management process. We invest our money alongside that of our clients, to demonstrate the confidence that we have in our investments, and to fully align our interests with our clients who entrust us with the management of their wealth.

09.jpg

Bespoke Portfolio


Our private bankers work closely with our asset managers to create a portfolio that is tailored to each client's requirement

SCROLL DOWN

Bespoke Portfolio


Our private bankers work closely with our asset managers to create a portfolio that is tailored to each client's requirement

building and managing YOUR portfolio

Our private bankers work closely with our asset managers to create a portfolio that is tailored to each client’s requirements, taking advantage of the expertise of the specialists who manage asset allocation at Banque Heritage. With dedicated coverage, our private bankers connect you to a wealth of expertise. Our independence as a privately-owned bank allows us to guide you and provide access to a wide range of specialists – both internally and externally to the bank – to achieve your wealth management goals.

a mandate for every need

The level of your involvement is entirely up to you, and we will gladly give you access to the relevant asset managers, who will provide a detailed explanation of the rationale behind our recommendations based on past performance and anticipated future returns. 

The style of management that you choose will be adopted and respected by us. If you seek total involvement we can offer you full trading access to your account and we will simply act in an advisory role to suggest alternatives, and provide analysis for your consideration. In fact the collective insight of the bank as a whole is put to work to achieve each client's particular objective for growth and return. We provide the level of reporting and access to our staff that you require, sending you a report on our activities on a regular basis, or simply when you ask for it. You drive the terms of the relationship at all times. 

DISCRETIONARY

Within the framework of a discretionary mandate, you delegate all investment management to the private bank’s banking and asset management teams. After a thorough assessment of your investment profile, risk tolerance and financial planning requirements, you will benefit from the bank’s complete set of expertise and proven ability to successfully manage its clients’ portfolios across all asset classes. Discretionary mandates have the added advantage of ensuring implementation of portfolio changes rapidly in order to better track and anticipate financial markets. They also have the benefit of optimizing portfolio construction through complex monitoring tools, in real time.

ADVISORY

By entering an advisory mandate, the client remains the final decision maker for his investments but benefits from the support and advice of the bank’s specialists. You can therefore have a hand on your wealth management, without being left alone. Furthermore, this allows clients to have direct access to our various departments and gain personalized and contextualized input within the limits of the guidelines that they wish to fix for themselves. From a regulatory perspective, this also allows the Bank to offer tailor-made or specific investment opportunities and advices that the client could not access through a simple custody account. We tend to recommend advisory mandates to clients with acute financial markets knowledge and the availability to be active in their investments decision making.

CUSTODY

Under a custody account, you entrust your assets to the bank and retain full control over how they are managed. Typically, such accounts belong to financial industry professionals or institutions already benefitting from external counsel. Such mandates mean that while you will be relying on Banque Heritage's time tested stability and strong balance sheet, you will not be able to benefit from any internal services or recommendations relative to our financial markets expertise.

Banque-Heritage-Salon-403.jpg

Affiliations


SCROLL DOWN

Affiliations


Banque Heritage Uruguay

Banque Heritage Uruguay - previously Banco Surinvest – was acquired by Banque Heritage Switzerland in 2007 (only local bank with a Swiss bank parent company). The Bank in Uruguay was formed in 1981 by large financial institutions (IFC, Rabobank, and HSBC) to serve corporate clients in the region with regards trade finance and corporate banking activities.

In 2013, Banque Heritage Uruguay completed the acquisition of Lloyds Banking Group operations in Montevideo to further consolidate its regional operations as an independent financial institution, combining a sound knowledge of local financial markets with the support of a global shareholder. The Bank specializes in Private and Corporate Banking by catering to individuals and corporations seeking to develop a long-term, personal relationship while benefiting from world-class financial products and services including a state-of-the-art technological platform.

Meridian Wealth Management

Banque Heritage holds a majority shareholding in Meridian Wealth Management, an Independent Asset Manager based in Lausanne. The firm was founded and is headed by Paul Tenot, a seasoned Private Banker with solid Asset Management experience.

Meridian currently has a staff of three investment professionals with ambitions to become a platform for other independent asset managers who find the current regulatory environment untenable for their scale of business. Meridian Wealth Management also aims to connect the banking world to the industrial world. Together with their partners, they provide additional services to entrepreneurs for their operational requirements whilst also addressing their private needs.