Disclaimer

Last updated: April 2026

1. Information only

The content published on grafwealth.ch is provided for general information purposes only. Nothing on this website constitutes financial advice, investment advice, legal advice, or tax advice. The information is not tailored to the individual circumstances of any person or entity.

2. No client relationship

Accessing this website, completing the Wealth Protection Assessment, or submitting a contact form does not create a client relationship between you and Graf Wealth Advisory or Stephan Graf. A client relationship is established only through a formal written engagement agreement.

3. No guarantee of outcomes

Any illustrations, projections, or calculations on this website — including the wealth tax calculator — are for illustrative purposes only. They are based on assumptions that may not reflect your actual circumstances. Past performance and illustrative figures are not a guarantee of future results.

4. Professional advice

Before making any decision regarding asset structuring, succession planning, or tax planning, you should obtain independent professional advice from a qualified Swiss or Liechtenstein lawyer, tax adviser, or financial adviser who is familiar with your personal circumstances.

5. Regulatory status

Graf Wealth Advisory is an independent consultancy providing strategic advisory and structuring coordination services exclusively in relation to Liechtenstein family foundations. It does not manage assets, execute transactions, hold client funds, or provide discretionary investment advice. As a result, Graf Wealth Advisory does not fall within the scope of activities regulated by the Swiss Financial Market Supervisory Authority (FINMA) under the Financial Institutions Act (FinIA) or the Financial Services Act (FinSA), and accordingly does not hold a FINMA licence.

Clients engaging Graf Wealth Advisory receive a structural diagnosis and an implementation blueprint. All regulated activities — including legal documentation, trustee services, tax advice, and financial product placement — are carried out exclusively by independent, licensed professionals in their respective jurisdictions: qualified Liechtenstein trustees, Swiss-licensed lawyers and tax advisers, and FINMA-regulated financial institutions. Graf Wealth Advisory coordinates this network on the client's behalf but neither instructs nor acts as principal in any regulated capacity.

6. Third-party links

This website may contain links to third-party websites. Graf Wealth Advisory has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

7. Accuracy of information

While we take care to ensure that information on this website is accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, or suitability of the information. Cantonal tax rates, legal provisions, and regulatory requirements change — always verify current figures with the relevant authority.

8. Jurisdiction

This website is operated from Switzerland. Any disputes arising in connection with this website are subject to Swiss law and the exclusive jurisdiction of the courts of Zurich.