Retirement Advice
Independent Retirement Planning: Your Customized Path to Financial Freedom
Because your retirement deserves the best planning.
Retirement is the biggest financial turning point of your life. You’ve worked hard for decades – now it’s time to ensure that the fruits of your labor are perfectly secured.
However, a successful retirement isn’t a matter of chance. It’s the result of smart, timely decisions. As completely independent experts, we don’t sell you financial products. We give you what matters most for the next chapter of your life: certainty, financial security and the peace of mind that comes from knowing everything is taken care of.
The biggest benefit for clients: True independence
Why does independent fee-based advice make all the difference for you?
Your benefits with us:
• 100% product-independent: We do not accept kickbacks or commissions. You pay us exclusively for our expertise.
• Uncompromising loyalty: We’re on your side of the table. Our calculations are designed solely to benefit your financial interests.
• Significant cost savings: By avoiding expensive, commission-driven products, you often save five-figure sums in management fees over the years.
The Key Elements of Your Customized Plan
We don’t view your life in isolation; instead, we bring all the pieces of the financial planning puzzle together to form a coherent whole. Each element provides you with concrete, measurable benefits:
- Pension or Lump-Sum Payment – Your Optimal Mix: Should you choose the lifelong security of a pension fund annuity or invest the lump sum yourself with flexibility? We’ll calculate the optimal ratio for you with mathematical precision, based on your life expectancy, inflation, and your need for security.
- Achieving Early or Partial Retirement: Would you like to retire early or gradually reduce your workload? We’ll show you, down to the last franc, exactly when you can afford to leave the workforce – without running out of money in your later years.
- Pillar 3a & Pension Fund Optimization as a Return Booster: Voluntary contributions to your pension fund can significantly reduce your current tax burden. We structure your contributions so that you achieve the maximum tax benefit while also noticeably increasing your retirement benefits.
- Radically break the tax progression: Anyone who withdraws funds from their Pillar 3a and vested benefits accounts in the same year pays extremely high taxes. By staggering the withdrawals over several years, you can often reduce your tax burden by between CHF 20,000 and over CHF 50,000.
- Real Estate Financing & Affordability in Old Age: Banks assess affordability after retirement with extreme rigor, as income often drops by about one-third. We develop a customized mortgage strategy well in advance to ensure that you can continue living in your own home and are not forced into an emergency payoff.
- Mutual Protection for Partners: What happens to the assets and the property if something happens to one partner? We close critical financial gaps for cohabiting couples or spouses so that the surviving partner is fully financially secure and does not have to move out of the shared home.
- Legally Sound Estate Planning: With a customized combination of a will, marriage/inheritance contract, and power of attorney for healthcare, you ensure clarity. You protect your life’s work, prevent family disputes, and minimize inheritance tax for your loved ones.
Your Measurable Customer Benefits at a Glance
Your Area |
Without independent planning |
With our consulting services |
Your direct benefits |
|
Taxes upon receipt |
Maximum tax progression due to a one-time withdrawal. |
Strategically staggered withdrawals over several years. |
Tens of thousands of francs in tax savings that stay in your account. |
|
Annuity vs. Lump Sum |
A gut decision or pressure from salespeople. |
Mathematically precise simulation of your living expenses. |
Complete peace of mind, because the decision is 100% tailored to your life. |
|
Homeownership in Retirement |
Risk of the bank forcing a reduction in your mortgage. |
Early planning of your financial capacity. |
Security in staying in your home—even as your retirement income declines. |
|
Spouse & Estate |
Statutory succession with financial gaps for the partner. |
Watertight contracts and mutual designation as beneficiaries. |
Comprehensive protection for your family and prevention of inheritance disputes. |
Your Path to Financial Peace of Mind: In 3 Steps
- The Free Initial Consultation: We’ll get to know each other with no obligation. You’ll tell us about your goals for the future and we’ll show you where your greatest financial leverage lies.
- Strategy Development: We analyze your retirement statements, tax records and mortgages. You’ll receive a crystal-clear, easy-to-understand roadmap with concrete recommendations for action.
- Smooth Implementation: We guide you through the process with government agencies, pension funds and banks. You sit back – we make sure everything runs like clockwork.
Don’t waste time or money. The sooner you set the course, the greater your financial gain will be.
The choice is yours: The consultation can take place at our office or in the comfort of your own home.