Private client
Private Client
Insurance advisory for entrepreneurial families — estate liquidity, wealth transfer and business succession, structured around premium finance and carried for the life of the policy.
Private client
A boutique relationship, not a product shelf
Simplicity Passerelle has been catering to private clients for over twenty years. Our experience in asset management and wealth solutions at the world's most prestigious financial institutions has shaped our approach and our culture. We are the architects of each unique structure, and we work alongside your legal counsel, tax consultants, trustees and portfolio managers rather than around them.
What clients bring us
Matters that are integral to continued success
Funding solutions
Liquidity engineered around an existing balance sheet, so a plan can be funded without unwinding the positions that produced the wealth in the first place.
Complex insurance structures
Large-case coverage designed as a structure rather than a policy — ownership, trust architecture and funding resolved together, because changing one of them later is expensive.
Alternative return streams
Exposure that behaves differently from the rest of the portfolio, assessed on what it does in a bad decade rather than on what it does in a good one.
Business succession
To the entrepreneurial families we serve, the business is not only a source of pride but the largest asset class on the balance sheet. We make it the centre of our attention.
Tax-efficient by design
Efficiency is a design decision, not an afterthought
A structure that is efficient on the day it is signed and inefficient in year twelve has not been designed — it has been sold. We model conservatively, agree the assumptions with your advisors in writing, and revisit them every year rather than at the point something has already gone wrong.
You keep your own counsel, your own trustees and your own portfolio managers. We are the architects of the structure and the party accountable for it working.
- Discovery — what the money is for, and who it has to serve
- Design — modelled conservatively, assumptions agreed in writing
- Placement — carrier and lender selected against the whole market
- Stewardship — reviewed every year, in writing, for as long as it runs
- Reporting — a Performance Summary Report drawn from the records themselves
Passion is the foundation of our business.
Visionary thinking and continuous innovation allow our solutions to evolve alongside our clients’ needs.