Your retirement,
exactly as you want it.
Analysis and strategy across all three pillars, so your retirement looks exactly as you imagine it. We bring clarity to your pension and show how you can save on taxes at the same time.
Pension is planning
with foresight.
Those who think of tomorrow today gain freedom. Pension is not a single contract but a strategy that carries over decades. State, occupational and private pension interlock. Only together do they form the picture that truly secures your retirement.
We view your pension as a whole and across your entire lifespan. What makes sense today can change with family, home ownership or self-employment. That is why we plan ahead, review regularly and adjust, so individual building blocks become a considered plan that fits your life.
Plan your pensionThree pillars that work together.
Switzerland builds its pension system on three pillars. Each has its own role. We make sure they interlock optimally in your case.
OASI / DI
State pension covers the basic needs in old age, in case of disability and in the event of death.
Occupational pension
Occupational pension complements the state pension and secures your accustomed standard of living.
Private pension 3a and 3b
Private pension closes gaps, creates freedom and saves taxes.
Clarity about
your future.
In a structured analysis we put your entire pension on the table. We show where you stand today, which gaps exist and which decisions are due now. So you make your choice based on clear figures, not on gut feeling.
Identify pension gapsWe calculate how large the gap is between your current income and your future pension.
Secure income in retirementWe structure your building blocks so your usual standard of living holds after retirement.
Weigh capital against pensionWe compare lump-sum withdrawal and a lifelong pension from the pension fund and show what fits your situation.
Plan early retirementWe check whether retiring early is financially viable and how to bridge the years until the state pension.
The right step at the right time.
Saving on taxes means
planning taxes.
Those obliged to pay taxes also have the right to optimise them. Legal tax optimisation is not a trick but consistent planning. And it only works if you tackle it before the tax year, not just at the declaration.
Pillar 3a contributionsContributions to the tied pillar 3a can be deducted from taxable income. Those who use the annual maximum save tax year after year and build up pension capital at the same time.
Buying into the pension fundVoluntary buy-ins to the 2nd pillar close pension gaps and are deductible in the year of payment. Staggered over several years they have the greatest tax effect.
Staggered capital withdrawalPension capital is taxed separately and progressively on payout. Staggering withdrawals over several years lowers progression and keeps more of the saved assets.
Amortisation and home ownershipWhether you amortise directly or indirectly has noticeable tax consequences. Indirect amortisation via pillar 3a combines debt reduction with tax optimisation.
How much can you optimise for tax?
In a personal analysis we show you which levers work in your case and what they concretely save.
Free tax analysisGood to know.
Answers to the questions we are asked most often about pension and taxes.
The earlier the better. Those who pay in regularly from a young age benefit from compound interest and later need to contribute much less for the same goal. But a later start is worthwhile too. What matters is to begin at all and then maintain the strategy consistently.
A statutory maximum applies to pillar 3a, which can change annually and differs for employees with a pension fund versus self-employed without a 2nd pillar. Those who use the allowed amount every year make the most of the tax advantage. We tell you the currently valid maximum for your situation in the meeting.
A voluntary buy-in can close pension gaps and lowers taxable income in the year of payment. It is especially attractive in high-income years and in the years before retirement. Whether and how much a buy-in pays off depends on your pension certificate, your tax situation and your withdrawal plans. We examine that together.
A pension gap is the difference between the income you need in retirement and the benefits that state and occupational pension actually pay out. Together, the first two pillars often cover only about 60 percent of your last salary. The remaining gap can be closed deliberately with private pension and a considered strategy.
Calculate your pension gap
Estimate how large the gap is between your desired retirement income and the benefits from AHV and the pension fund.
Simplified estimate. Your actual gap depends on your individual situation.
Beratung vor Ort: Vorsorgeberatung in Zürich