Do you want to feel relaxed about your future?
Financial planning is life planning
We see financial planning as the provision of holistic advice. With an eye to your financial goals, we work with you to draw up a comprehensive foundation for upcoming decisions and weigh up various different options. We use a bespoke plan to assist you with putting everything into practice, thereby ensuring you reach your goals.
While the transition from working life to retirement represents the biggest watershed moment in most people’s financial histories, the focus should certainly not just be on planning for the third phase of life. Rather, our individual lives are shaped by ongoing changes and developments. Every new phase of life sparks a host of questions and has a long-term impact on our personal financial situation.
Good plans are dynamic
Even the best plans can be for naught if your life takes a different path. Turning points in your individual life often appear unexpectedly and require amendments to be made. Your priorities may also change over the course of time. As a result, you should see financial planning as a dynamic process where your financial planner serves as your coach and sparring partner.
Optimise your pension planning with us
If you start preparing for your retirement early on, you can continue to live the lifestyle you are accustomed to without any concerns. This is all the more important as life expectancy continues to rise. We will identify any gaps and show you how you can build up assets with our pension solutions. If you intend to reduce your working hours or retire early, our pension specialists will prepare a detailed analysis including various scenarios and will work with you to develop concrete solutions and a personalised action plan.
If you open a Savings 3 account, you will reduce your taxes thanks to the deductibility of your deposits. If you invest your pillar 3a in securities, you can also benefit from higher returns in the long term. You can choose from a range of investment strategies, including defensive and dynamic solutions as well as sustainable options that take into account environmental, social and corporate governance (ESG) business practices.
A pillar 2 vested benefits custody account allows you to enjoy higher return opportunities over the long term. We will actively manage your pension portfolio in line with your investment strategy and the OPO 2 investment guidelines. You have a choice of five options. For assets of CHF 250,000 or more, we can provide you with a customised solution that takes your individual wishes into account. Investments can be matched to your private assets and transferred to them free of charge after withdrawal. Pillar 2 income is exempt from income and wealth tax.
Flexibility is a top priority for us: you can switch between strategies on a monthly basis for both pillar 3a and pillar 2 schemes. You also benefit from low administration costs.