Swiss citizens living abroad

    Your Path to Living Abroad – Professionally Planned, Secure for the Long Term

    Counseling for Swiss Citizens Living Abroad

    More than 800,000 Swiss citizens already live abroad – and the number is rising. Emigrating is one of the most far-reaching financial decisions you’ll ever make: It affects your income, your assets, your retirement planning, your tax situation and your insurance coverage in equal measure. Those who prepare well for this step not only secure financial benefits but also peace of mind and clarity for this new phase of life.


    How we can help you: You’ll receive comprehensive, independent advice from a single source – from experts with many years of experience in wealth planning for Swiss citizens living abroad. Instead of struggling through a maze of tax issues, retirement planning topics and insurance solutions, you’ll receive a clear roadmap tailored to your needs.

    Why Specialized Consulting Is Essential

    Moving out of Switzerland affects virtually every aspect of your financial planning at the same time:

    Tax Consequences

    Tax consequences in Switzerland and the destination country overlap – without proper planning, there is a risk of double taxation or missed opportunities for tax optimization.

    Retirement savings

    Retirement savings (AHV, pension fund, Pillar 3a) must be managed in a timely and structured manner—making corrections later is often costly or impossible.

    Insurance Coverage

    Insurance coverage may have gaps when crossing the border, particularly when it comes to health insurance and retirement savings.

    Assets and Real Estate

    Assets and real estate in Switzerland require a structure that works even from a distance.

    This is exactly where our consulting services come in: We bring all the issues together before gaps arise—not after they’ve already caused costs.

    Our main areas of expertise:

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    1. Income Protection

    We assess how your earned income, social security entitlements and any continued salary payments will be affected by your move – and address potential gaps before they arise.
    The benefit to you: financial continuity, even if your regulatory environment changes fundamentally.

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    2. Wealth Planning

    A well-designed structure for accounts, brokerage accounts, investments and retirement savings ensures that your assets can be efficiently managed, monitored and adjusted as needed, regardless of your country of residence.
    The benefit to you: You always have control over your assets – no matter where in the world you live.

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    3. Tax Optimization

    In collaboration with proven tax experts, we analyze the double taxation treaties and tax optimization opportunities between Switzerland and your destination country.
    The benefit to you: You avoid unnecessary tax burdens and take advantage of legal planning opportunities instead of letting them go to waste.

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    4. Retirement Counseling

    We’ll explain the implications of moving abroad for your AHV, pension fund and Pillar 3a –  including withdrawal options, lump-sum payments versus annuities and deadlines that must be strictly adhered to.
    The benefit for you: You’ll make retirement planning decisions with a full understanding of their implications – not under time pressure just before you leave the country.

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    5. Real Estate Financing

    Whether you’re selling, renting, or keeping your home in Switzerland, or purchasing a property abroad: We’ll structure the financing to fit your new life situation.
    The benefit for you: You retain full control over your real estate assets, even across national borders.

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    6. Insurance and Health Insurance

    Together with specialized partners, we’ll help you determine your future health, accident and retirement coverage, as well as your options for voluntary continued coverage.
    The benefit for you: Uninterrupted insurance coverage with no gaps – especially during this sensitive transition period.

    Strong Networks for Specific Subject Areas

    For specific technical questions, we draw on a broad network of proven external experts and established institutions in the fields of banking and financing solutions, social security and retirement planning for Swiss citizens living abroad, specialized partner organizations, the Swiss community abroad, as well as official advocacy groups and regional contacts on the ground.


    Your benefit: You benefit from the combined expertise of an entire network– coordinated by a single point of contact, rather than having to communicate with multiple entities individually.


    Our advisory approach: independent, transparent,
    on a retainer basis

    Our consulting services are provided on a fee basis – as a clearly defined mandate, not on a commission basis.

    Your benefit from this model:

    Independence: Our recommendations are guided exclusively by your interests, not by product commissions.

    Transparency: You know from the start what services you’ll receive and under what terms.

    Planning certainty: Fixed fees instead of hidden costs – predictable throughout the entire consulting period.

    Experience You Can Rely On


    Our advisors have many years of experience in serving Swiss citizens living abroad. For you, this experience means:

    - We know the typical pitfalls and how to avoid them.

    - We speak the language of government agencies, banks and insurance companies in Switzerland and internationally.

    - We support you not only until you leave the country, but also afterward – as a long-term partner for your finances.

     

    Support That Goes Beyond Consulting

    Emigrating isn’t a one-time event –it’s the start of a new chapter in your life – and your financial situation will continue to evolve alongside it. A new job, marriage, another move, the birth of a child, an inheritance, or approaching retirement: All of these change your circumstances and require regular adjustments.

    That’s why we view our advisory services not as a one-time engagement, but as a lifelong partnership. We remain by your side even after the initial consultation is complete—no matter where in the world you are.

    The benefits of long-term support:

    Continuity instead of starting over: You don’t have to explain your history and goals anew with every change – we know your situation and consistently build on it.

    Proactive adaptation: We keep track of legislative changes, tax reforms and new pension regulations in Switzerland and in your country of residence on your behalf.

    Security across life stages: From emigration to wealth accumulation to retirement and a potential return to Switzerland – you’ll have the same competent point of contact throughout.

    Quick Access Despite Distance: Even from abroad, you’ll receive a well-founded assessment easily and promptly when important decisions need to be made.

    Predictable costs: Since our support is provided on a fee-for-service basis, you’ll always know exactly what services you’re receiving and under what terms – even over the course of many years.

    This transforms a one-time consultation into a reliable partner for your entire life abroad.

    The next step:

    Emigration works best with a clear plan. Schedule a no-obligation initial consultation and learn how we can provide comprehensive protection for your personal situation.

    Plutos Vermögensverwaltung (Schweiz) AG

    As an independent asset manager, we have been the trusted partner of our clients in all asset matters since 1999.

    Plutos Asset Management (Switzerland) AG
    Lörracherstrasse 60
    4125 Riehen

    100% subsidiary of Plutos Vermögensverwaltung AG, Frankfurt