Our know-how in taxation and inheritance, coupled with experience in holding and managing funds, forms the cornerstone of the inheritance planning service available to our customers through our network of legal specialists and advisers: Crédit Agricole Luxembourg Conseil (CAL Conseil).

Registered under Luxembourg law with a capital of EUR 12.5 million, Crédit Agricole Luxembourg Conseil is wholly owned by Crédit Agricole Luxembourg. CAL Conseil is a professional in the financial sector, bound by banking secrecy and subject to the supervisory authority of the CSSF.

Crédit Agricole Luxembourg Conseil was set up on 7 May 2001, when the asset and financial engineering and agency services handled by Crédit Agricole Luxembourg for over 30 years were transferred to a subsidiary.

The task of Crédit Agricole Luxembourg Conseil is to devise, set up and manage structures or operations designed to protect, optimize and manage assets, including inheritance planning for professional and private as well as liquid and non-cash assets.

Through its subsidiary, Crédit Agricole Luxembourg Conseil, the Bank offers a global solution to financial and asset engineering, as well as trust services and financial ‘family office’ services.

• By taking account of nationality and all the legal, fiscal and financial implications it entails for the Bank’s customers, Crédit Agricole Luxembourg Conseil is able to pick the most appropriate vehicle or mechanism from a selection of platforms as varied as :

  • Holding liquid assets (portfolio of stocks and bonds) or non-liquid assets (holdings, property, hotels, yachts, aircraft, etc.)
  • Re-structuring a family business prior to sale or stock-market listing
  • Corporate assignments or takeovers
  • Inheritance planning, tax optimization and residence planning
  • Optimized treasury management and shareholder distributions

  Crédit Agricole Luxembourg Conseil is the Crédit Agricole group’s centre of expertise for customers in the European Union and investments throughout Europe.

• Equity-based companies serve many purposes where ownership organization and management of personal assets are involved.

  Companies can also fulfil other functions, such as investing in and servicing their group, collecting fees, commercial management of ships or vessels, funding intervention, security transactions, exchange transactions and many other business operations.

  Crédit Agricole Luxembourg Conseil offers a company incorporation and administration service :

  • Information on jurisdictions on incorporation and during the life of the company
  • Preparation of company by-laws
  • Trust services
  • Administration and accounting services
  • Tax declarations and contact with the authorities
  • Control of business activities

  Our subsidiary, Credit Agricole Management Services (Bahamas) Limited, offers additional services such as Trusts and Companies incorporated in the Bahamas.

  Backed by our international network, we also offer customer services on a worldwide basis, in particular for solutions such as company incorporations.

• CAL Conseil offers major customers a comprehensive and fully integrated approach to all aspects of wealth management.

  CAL Conseil’s Financial Family Office is specifically aimed at families with extensive financial assets who are keen to diversify management risk through a spread of service providers while maintaining a consolidated view.

  The Financial Family Office's offer encompasses:

  • Consolidated reporting of all portfolios
  • Performance evaluations of multi-managed portfolios
  • Presentation of consolidated assets broken down by exposure to different market risks
  • Strategic analysis and financial structuring of consolidated assets

• A growing number of wealthy people are preoccupied with environmental issues and poverty in the world. They are looking for instruments and vehicles allowing them to contribute to making our world a better place. We assist them in setting up tailor-made structures.

  We can also propose philanthropic solutions in cooperation with the Foundation of Luxembourg.