Pension advice

When it comes to retirement planning, every decision has a long-term impact. That's why it's essential to have a long-term asset planning aligned with your life goals.

We structure your pension provision to ensure your financial independence, protect your loved ones and preserve your quality of life in the long term.

Our areas of expertise

We provide comprehensive support for all aspects of pension planning - from diagnosis to implementation - with rigor, neutrality and expertise.

Pension analysis

We carry out a complete diagnosis of your situation with regard to the three pillars of the Swiss pension system (AHV, BVG, private pensions). This analysis includes pension projections (old age, disability, survivors), the identification of gaps and the valuation of risks such as longevity, disability or the financial dependence of a spouse.

Optimized withdrawals (2ᵉ and 3ᵉ pillars)

Withdrawing pension assets is an important strategic lever. We can help you choose between capital and pension, draw up staggered withdrawal scenarios, and plan multi-canton withdrawals to minimize the impact on your retirement savings. taxation on the capital received.

Retirement planning

Preparing for retirement means anticipate the financial, tax and family implications of a major change in lifestyle. We'll help you determine the optimum time to leave, coordinate your benefits from the three pillars, and integrate your other income (real estate, investments, company) into a coherent projection. The role of your spouse or partner is also taken into account in this overall planning.

Search for vested benefit assets

If you have carried out several professional activities in Switzerland, it is possible that some 2ᵉ pillar assets have remained in vested benefits accounts without being claimed. We will assist you in the search procedure, in direct collaboration with the 2ᵉ pilier Central Office.

Frequently asked questions

At what age should I start planning for my retirement?

Ideally, you should start at the age of 40, or even earlier if you're self-employed or planning early retirement. The earlier you start planning, the greater the scope for optimization (tax, assets, insurance). However, it's not never too late to improve its situation.

What's the difference between Pillar 3a and Pillar 3b?

The pillar 3a is linked to retirement: it is fiscally advantageous but subject to strict conditions (capped amounts, restricted withdrawals). The pillar 3bis more flexible, but offers other tax advantages at the time of withdrawal, or at the time of payment for life annuities.

Is it better to withdraw my 2ᵉ pillar as a lump sum or an annuity?

It all depends on your personal situation, your liquidity needs, your tax situation, your life expectancy and your risk tolerance. An annuity offers lifelong security, while a lump sum offers greater flexibility. In all cases, an individual analysis is essential. indispensable before making any decisions.

As a self-employed person, am I obliged to contribute to the 2ᵉ pillar?

No. As a self-employed person, you are not subject to the BVG. You are free to set up your own pension strategy, for example via a Pillar 3a or a wrap-around pension scheme. Appropriate structuring is strongly recommended to avoid gaps in your pension.