Melanie Aubail
Marketing and Family Office
Wealth planning is not only about investments, but also about structuring every element of your financial life to support long-term objectives. At Alpen, we build comprehensive strategies that integrate cash flow, tax considerations, retirement planning and estate structures across multiple jurisdictions. Our role is to design disciplined, bespoke frameworks that are responsive to family needs and structured with a long-term perspective.
At Alpen, we provide comprehensive planning that takes into consideration the complex circumstances of ultra-high-net-worth families. International income, global assets and multi-jurisdictional obligations require discipline and foresight. We coordinate cash flow planning, tax structuring, retirement strategies and estate considerations, with the aim of aligning all elements within a cohesive framework. Our independence and discretion allow us to provide solutions designed to reflect individual circumstances. We focus not on templates, but on thoughtful frameworks that evolve as client needs and cross-border realities change.
Retirement planning for UHNW families extends beyond pensions. At Alpen, we integrate global assets, tax exposures, and cash flow requirements into retirement strategies with the aim of supporting long-term objectives. Our planning process takes into account cross-border income, lifestyle preferences, and legacy considerations, so that each retirement framework is structured with both resilience and flexibility in mind. We design strategies that reflect multi-generational needs and adapt to changing jurisdictions.
Estate planning is central to wealth preservation. At Alpen, we design strategies that help to align asset transfers with family objectives, tax requirements and cross-border rules. We work with trusted legal partners to coordinate structures such as trusts, foundations and family governance frameworks. Each plan aims to reflects the realities of international wealth, ensuring continuity across generations and jurisdictions.
Effective wealth planning requires precise cash flow oversight. At Alpen, we help clients structure liquidity so that expenses, investments and obligations are aligned across currencies and jurisdictions. Our approach balances short-term access with long-term efficiency, integrating tax considerations, investment allocations and lifestyle costs. We provide structures designed to help families manage complex income streams in an organized and transparent way.
Life insurance, when structured correctly, is a versatile tool that may be helpful for wealth preservation, estate liquidity and intergenerational planning. At Alpen, we review policies with careful attention to potential tax efficiency, asset protection and long-term family objectives. We collaborate with trusted providers to design transparent, tailored solutions that integrate seamlessly with global financial plans. When structured thoughtfully, life insurance can complement estate strategies by providing liquidity at key moments and helping to support intergenerational wealth planning without adding unnecessary complexity.
Our financial planning team integrates expertise across investments, taxation and lifestyle management. With a holistic approach, they design strategies that bring clarity and structure to your financial future.
Melanie Aubail
Mark Hollenstein
Cornelia Daniel
Nicolas Gabris
At Alpen, we provide financial investment services in Switzerland designed to meet your unique financial needs. As a leading firm in Swiss investment strategy services, we offer:
Navigate the complexities of managing and potentially growing your wealth with our professional advisors, experienced in Swiss and international financial markets.
We are familiar with the Swiss financial markets and its regulatory environment.
Receive personalized wealth management plans tailored to your specific financial goals and risk profile.
Access a full suite of services including investment planning, tax optimization and estate planning.
Our firm is recognized for its focus on consistent processes, high standards of service, and long-term client relationships.
Wealth planning is a dynamic process that integrates cash flow, taxation, retirement, insurance and estate structures across jurisdictions.
These questions are frequently asked in relation to insurance solutions.
Wealth planning is not static. It is a dynamic process that integrates cash flow, taxation, retirement, insurance and inheritance structures across jurisdictions. At Alpen, we design frameworks that adapt to family priorities, support succession and reflect complex cross-border realities. By coordinating international income, assets and obligations, we help clients maintain clarity, efficiency and discipline. Our role is to help ensure that planning remains aligned with evolving goals, supporting families to respond confidently to changing markets and regulations. Thoughtful wealth planning supports not only financial success but also continuity, family governance and long-term vision across generations.
UHNW families often hold assets, businesses and obligations in multiple countries, each with its own tax and regulatory environment. At Alpen, we design wealth plans that integrate these complexities into one clear framework. Planning across jurisdictions requires a deep understanding of compliance, reporting and local structuring. We evaluate every asset’s role in the global portfolio, considering cash flow, risk and family priorities.
Cross-border planning may involve trusts, foundations or holding companies designed to streamline oversight and protect wealth against overlapping tax regimes. By coordinating with trusted tax and legal partners, we help families maintain efficiency while reducing unnecessary complexity. Our role is not only to address today’s requirements, but also to anticipate how regulatory changes may affect wealth strategies tomorrow. This approach aims to ensure continuity and flexibility, providing families with clarity and resilience in a constantly evolving international landscape.
Effective wealth planning requires precise cash flow management, especially when income and expenses are spread across currencies and jurisdictions. At Alpen, we structure liquidity so that obligations, lifestyle expenses and investment commitments are covered without reducing long-term efficiency. Retirement planning is a central element of this process. For UHNW families, retirement does not mean withdrawing from business life altogether, but rather shifting focus while preserving financial security. We integrate global pensions, real estate holdings and investment portfolios, balancing income needs with future obligations. Tax exposure is carefully managed to ensure efficiency across borders, while liquidity reserves are structured to protect against unexpected events. Retirement planning also considers legacy goals, aligning lifestyle choices with succession and estate strategies. By combining disciplined cash flow oversight with tailored retirement frameworks, we help clients establish structures designed to support transparency and long-term planning for future generations.
Inheritance planning cannot be separated from broader wealth management. At Alpen, we design inheritance strategies that align with family objectives, intergenerational governance and jurisdictional rules. This may include establishing trusts or foundations, drafting governance charters, or coordinating with legal partners to ensure compliance. Each plan accounts for family dynamics, succession priorities and tax efficiency. Inheritance planning also serves as a bridge between generations, protecting both financial assets and family values. Our role is to help families manage transitions smoothly, avoiding disputes and reducing tax burdens where possible. By embedding inheritance considerations directly into financial planning, we create strategies that evolve with circumstances and remain relevant over time. We recognize that wealth is not only financial but also personal. After all, protecting harmony and continuity is as important as preserving assets. When structured thoughtfully, inheritance planning can provide a framework to support families across generations and help them prepare for future challenges.
Wealth planning is as much about resilience as it is about growth. At Alpen, risk management is embedded into every financial strategy, from ensuring liquidity buffers to structuring assets for cross-border efficiency. We monitor potential exposures, including regulatory shifts, tax changes and market volatility, helping families prepare rather than react. Long-term vision is equally important. Strategies are developed with a long-term perspective and are structured to remain adaptable across different market environments and over time.
This means aligning plans with family governance structures, succession priorities and philanthropic goals. We maintain ongoing dialogue with clients, reviewing plans regularly to keep them aligned with evolving needs. By combining structured resilience with strategic foresight, Alpen helps families achieve continuity, protect wealth and prepare for transitions. Planning is not about prediction but preparation, thus creating frameworks that support stability, innovation and family vision in the long term.
At Alpen, financial planning goes beyond investment performance. It is grounded in trust, long-term relationships, and a structured approach aimed at clarity and transparency. You remain in control where it matters most, while drawing on professional expertise where this can add value. This way, your portfolio is managed in line with your personal vision, your family’s priorities, and the legacy you wish to shape.
Pierre Gabris
Your contact for Financial planning
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