Financial Advice & Retirement Planning

Building wealth and investment strategy

A structured approach to building wealth creates long-term stability. Together, we define savings, investment and pension goals and assess investment types in terms of risk, return, liquidity and costs.

• Analysis of your current financial position
• Individual wealth and investment strategy
• Equities, bonds, funds, ETFs and alternative investments
• Diversification coordinated with tax and pension planning
• Liquidity and reserve planning

Investment portfolios, Bitcoin and cryptocurrencies

Existing securities portfolios should be reviewed regularly with regard to costs, product structure, risk allocation and concentration risks. You receive practical recommendations for optimisation and a clear assessment of your investments.

• Securities portfolio analysis
• Review of costs, fees and risks
• Bitcoin, blockchain and digital assets
• Secure custody and tax treatment
• Integrating digital assets into wealth and estate planning

Retirement planning and pension provision

Planning early shows what benefits can be expected from the OASI, pension fund and private pension provision, and whether income gaps may arise in retirement.

• Analysis of OASI, pension fund and Pillar 3a
• Calculation of expected pension benefits
• Lump-sum withdrawal or pension payments
• Pension fund purchases and tax optimisation
• Early retirement and long-term liquidity planning

We coordinate retirement, assets, property and estate planning so that decisions are not only tax-efficient but also sustainable in the long term.

Retirement and emigration

Leaving Switzerland before or during retirement requires coordinated financial, tax and pension planning. The timing of capital withdrawals can have significant consequences depending on the destination country and applicable double-taxation agreement.

• Change of residence and international tax planning
• OASI, pension fund, vested benefits and Pillar 3a
• Staggered capital and pension withdrawals
• Taxation of pensions and assets abroad
• Preparing a tax-efficient and financially structured departure

Property, budgets and liquidity

Property is often a significant part of personal wealth. We assess profitability, affordability, mortgage strategy and tax implications and incorporate the property into your overall planning.

• Purchase or sale of property
• Financing models and mortgage strategies
• Owner-occupied and rented property
• Budget overview and savings potential
• Liquidity and reserve planning

Family, risks and estate planning

Pension planning also means protecting your family and assets in the event of incapacity for work, illness or death. We identify protection gaps and coordinate pension provision, insurance, tax and estate planning.

• Protection in the event of incapacity for work or death
• Pension gaps and needs-based solutions
• Estate planning for property, securities and business interests
• Coordination of legal, tax and financial aspects