Understand your starting point
See where you stand financially, which pension and protection gaps need reviewing and which goals come first.
Personal financial planning
A plan that brings your future together.
A home of your own, more time with your family or a well-planned retirement: your goals deserve a plan. We connect pensions, tax, protection and assets with decisions that fit your life.
One point of contact. Every financial decision. Strategic. Personal. Long term.
Free initial conversation
We discuss your starting point, goals and main questions. Discover which support makes sense for you, without obligation and with no fee for this first conversation.
Why a connected plan?
So one good decision supports the next.
A pension fund purchase may reduce tax, but it also ties up money. Buying a home changes your liquidity. Retirement affects your income, protection and family at the same time. We explain these connections and turn separate questions into a clear sequence of decisions.
Compare your options
We consider pension or capital withdrawals, tax and protection together rather than as separate decisions.
Know your next steps
Your plan sets out practical actions. Within the agreed package, we support implementation and subsequent reviews.
The right level of support
From an initial review to ongoing guidance.
Three routes to clearer financial decisions. We adapt our services to your goals, circumstances and the complexity of your questions. You receive a personal proposal before we begin.
Clarity
For a thorough initial review and clear priorities.
Tailored to your goals
Included in the package
- 90-minute meeting and analysis of pension and protection gaps: OASI/AHV, pension fund, pillar 3a, death and disability
- Quick tax review for your canton of residence
- One-page action plan with the three most important opportunities
We agree the scope and fee transparently before we begin, based on your circumstances.
Discuss ClarityStructure
For a complete financial plan and support with implementation.
Tailored to your goals
Included in the package
- Everything in Clarity
- Complete financial plan with scenarios: pension, capital or a combination
- A multi-year pension fund purchase strategy to make use of tax progression, with planning for staggered capital withdrawals
- Protection concept, estate review and matrimonial property review
- Implementation included: applications, contacts and coordination with your fiduciary and notary
- Two review meetings within 12 months
Planning, implementation and review work together.
Discuss StructureFreedom
For complex decisions and continuous guidance.
Tailored to your goals
Included in the package
- Everything in Structure
- Quarterly reviews and direct contact: a reply within 24 hours on working days
- Business topics: salary versus dividends, holding companies, succession, and moving to or from Switzerland
- Your mortgage, investment structure and insurance within the overall financial picture
- Annual tax optimisation meeting before year-end
For people whose personal and business decisions are closely connected.
Discuss FreedomIncluded in all three packages
Three additional tools for your next step.
These tools complement your personal plan. We agree which services you need in your individual proposal.
Retirement checklist
Keep track of pension fund, early OASI/AHV pension and capital withdrawal deadlines.
Receive the checklist by emailFamily meeting
One hour with your partner or heirs to explain the plan and discuss questions together.
Year-end tax alert
An October reminder with specific figures for pillar 3a contributions and pension fund purchases.
Our method
Five steps. A clear way forward.
- 01
Understand
We listen to your goals, understand your situation and identify the decisions ahead.
- 02
Analyse
We review documents, protection gaps and the links between tax, liquidity and insurance.
- 03
Plan
We compare suitable scenarios and record the agreed strategy with concrete priorities.
- 04
Implement
In Structure or Freedom, we support applications, contacts and the agreed coordination.
- 05
Review
We revisit the plan in the included review meetings and take changes in your life into account.
What you may want to know before we speak.
Which package suits me?
Clarity provides an initial review and your three next priorities. Structure adds a complete financial plan and its implementation. Freedom is designed for ongoing guidance and complex personal or business topics. We discuss the appropriate scope during your initial contact, without obligation.
Are the bonuses included in every package?
Yes. The retirement checklist, one-hour family meeting and year-end tax alert are included in all three packages. We confirm the scope in your individual proposal.
Do you also provide asset management?
No. We do not provide asset management. Financial planning connects your goals, pensions, tax, protection, liquidity, home and investment structure. Investment decisions and the management of your investments remain with you or the provider appointed for that service.
Which documents do I need?
Current tax documents, pension fund statements, pillar 3a details, insurance policies and income and spending information are useful starting points. You do not need to have everything ready: we establish which documents matter for your questions together.
Your next step
Free initial conversationKnow where you stand. Decide how to move forward.
Tell us about the decision on your mind. We can discuss the right starting point for you, without obligation.