Qualified expert in the area of assets and pensions
Through comprehensive analyses, we identify risks and gaps and advise you on the implementation of solutions that meet your needs. Of course, we also offer this service on a fee-for-service basis, optionally in combination with financing support and home ownership protection.
Our services at a glance
Our services are modular and can be extended on a fee basis.
Financial & Wealth Planning
We analyze your financial situation and create an individual financial plan
Estate Planning
We provide you with comprehensive support in connection with your estate planning
Pension planning
We evaluate your situation to optimize and secure your pension provision in old age
Pension analysis
We analyze your financial situation and create an individual financial plan
Keyman - Insurance
We support companies in safeguarding key personnel
Mortgage financing
We evaluate your situation to optimize and secure your pension provision in old age
Financial & Wealth Planning
Achieving your own wishes and goals
The personal starting position, needs, expectations and goals are very individual. Careful planning of your finances and assets will help you achieve your goals.
Together with our specialists, we first analyze your asset situation and then create an individual financial plan. In doing so, we take into account all the important issues that you may encounter on the way to your goal.
As a result, you receive a clear concept for your personal situation. The analysis can also include various comparative calculations for different scenarios. Depending on your starting position, different optimizations for your financial independence can be derived. The financial planning serves as a guide to help you achieve your personal wishes and goals.
Life goals can change over time or unexpected events can occur. That's why we support you with regular updates to your personal financial planning so that you are prepared for new goals.
We advise you individually and entirely according to your needs. Together with you, we look at your assets, obligations, pension provision and the tax consequences.
Our solution approach
We address your personal situation and support you together with our external specialists in the following areas:
- Needs analysis
- Projection of the financial situation (income, expenses and assets)
- Identify specific actions to help you achieve your financial goals
- Elaboration of suitable solutions for asset structuring
- Opportunities for asset accumulation
- Analysis of the long-term affordability of the mortgage
- Identification of tax liabilities including identification of possible optimizations
- Consulting in the field of financing personal projects
- Individual and customized solution variants as a basis for decision-making
- Support in the implementation of your desired solution
Profound knowledge around pension planning
We cooperate with all leading providers in the field of asset management, which can be used to optimize your financial situation. This allows us to provide you with a complete overview of the available solutions and their advantages and disadvantages.
Professional insurance brokerage
As a neutral, independent insurance broker, we accompany you and offer flexible and comprehensive advice in connection with your financial and asset planning.
Estate Planning
Fulfillment of your goals and wishes
How can the life partner be included in the estate? Who should inherit the vacation home? Who should be the successor in the company?
The wishes must be recorded in good time so that your assets are passed on in accordance with your wishes. The estate should be planned before it is too late.
The law stipulates which share of the assets goes to which person if nothing is specified. In most cases, people who are particularly close to them would like to give more or additional consideration. The legal succession can be adapted to a certain extent and, for example, recorded in an inheritance contract. According to the prevailing law, the surviving spouse and one's own children are the main heirs. In order to consider cohabiting partners or stepchildren in the estate, provisions must be made.
On January 1, 2023, Swiss inheritance law was revised after more than a hundred years. The amendments provide for changes that give the testator more freedom when bequeathing assets. Parents' compulsory portions will be abolished and those of children reduced. This means that cohabiting partners, stepchildren and third parties can benefit more. This also means that companies can be passed on to successors more easily without the company having to be split up.
We advise you individually and completely according to your needs.
Our solution approach
We address your personal situation and support you in the following areas:
- Listing the legal succession
- Estate planning in the realm of possibilities
- Income planning for the derivation of possible advance inheritance payments
- Advice in the area of advance inheritance
- Advice and proposals for the estate of cohabiting couples.
- Possibilities for inheritance in patchwork families
- Advantages and disadvantages of the will and the contract of inheritance
- Assistance with the formal requirements of the will
- Help with drawing up the advance directive
- Drawing up an inheritance contract
- Support in the preparation for the digital estate
Profound knowledge of the pension market
Our network of internal and external partners is available to assist you with all your estate planning needs. This allows us to provide you with a complete overview of the available options and their advantages and disadvantages.
Professional insurance brokerage
As a neutral, independent insurance broker, we accompany you and offer flexible and comprehensive advice in connection with your estate planning.
Retirement planning
A carefree start to retirement
The question Pension, capital or Mixing molds occupies many people before retirement. Once a decision has been made, it can no longer be reversed. Therefore, it is important to make this decision well and thoughtfully.
Rising life expectancy and the low interest rate environment pose various challenges for pension funds. As a result, future pensioners will receive lower pension benefits than those planned at the time. In order to maintain the standard of living after retirement as far as possible, various precautions must be taken. Those who pay into the 3rd pillar and make voluntary pension fund purchases can improve their own pension provision and reduce their tax burden at the same time. In order to achieve such optimizations, it makes sense to address the issue at an early stage. It is important to know your own starting position before retirement and to optimize your pension provision if possible in order to secure your income in old age.
With a view to your retirement, we will draw up your personal and independent income and asset planning for you and in this way work out a basis for decision-making together with you.
Our solution approach
We address your personal situation and support you in the following areas:
- Needs analysis
- Planning tax-advantaged measures before retirement
- Possibilities for improving the pension situation
- Planning for the tax-optimized withdrawal of pension assets
- Development of a basis for decision-making on the question "Annuity or lump sum?"
- Financial planning before and after retirement
- Analysis of the expected consumption of assets
- Options and consequences for early retirement
Profound knowledge around pension planning
We work with all the leading providers in the field of pension solutions, which can be used to optimize your pension situation. This allows us to provide you with a complete overview of the available solutions and their advantages and disadvantages.
Professional insurance brokerage
As a neutral, independent insurance broker, we accompany you and offer you flexible and comprehensive advice in connection with your pension planning.
Pension analysis
Everyday life without financial surprises
Few people know how they are covered in the event of illness or accident. The coverage from the first and second pillars varies greatly. As a rule, social insurance coverage is not enough to maintain the accustomed standard of living. To ensure that you receive sufficient benefits in the event of a serious illness or accident and that your surviving dependents are adequately covered in the event of your death, it is worthwhile to conduct a pension analysis. Especially if you live in a cohabiting couple, start a family, buy your own home, work part-time or become self-employed, it is worth taking a closer look at your own pension situation to close any gaps.
Our analysis gives you an overview of your very personal situation. Individual, tailor-made and worked out together with you in a personal conversation with our proven experts.
Through comprehensive pension analyses, we identify risks and gaps and advise you on the implementation of solutions that meet your needs. We also offer this service in particular in combination with residential property insurance.
Our solution approach
We address your personal situation and support you in the following areas:
- Derivation of the existing coverage by the social insurances
- Needs analysis and consideration of the individual starting position
- Possibilities for closing pension gaps
- Tenders in the field of term and life insurance
- Comparison of the different offers and support in making the appropriate choice
- Financial planning to achieve desired goals
- Support for tax-privileged measures in the area of the 3rd pillar
- Comparison of vested benefits institutions
- Comparison of a voluntary pension fund connection and the 3a solution for sole traders
Tailor-made insurance cover
Effectively insure key people in your company
Every company has key employees, so-called key men, whose absence can paralyze or even seriously damage the company. Some specialists and managers cannot be replaced at short notice due to their knowledge and experience, their skills or their network. These may include not only managing directors and board members, but also specialists and managers in all sectors.
Particularly in the case of mergers and acquisitions, success depends on the key executives remaining available to the company. This is because institutional investors want their investment to be protected. Keyman insurance is often requested by investors when they realize that the success of a company depends to a large extent on a single key person.
How does Keyman insurance work?
The Keyman insurance works like a classic risk insurance. In the event of death or a predefined list of serious illnesses, the insurance sum is paid out to the company. This can then be used, for example, to compensate for lost sales and cover the costs of finding a successor.
The company takes out the Keyman policy with a predefined sum insured and scope of insurance. The company is the premium payer and beneficiary. Separate sums insured may be available both in the event of death and in the event of serious illness (dread disease insurance).
We advise and support you in all areas of risk protection for your key personnel. We are happy to assist you with our broad expertise and comprehensive knowledge of the market.
Our solution approach
We capture your key person risk protection requirements and implement your expectations:
- Needs analysis
- Planning tax-advantaged measures before retirement
- Possibilities for improving the pension situation
- Planning for the tax-optimized withdrawal of pension assets
- Development of a basis for decision-making on the question "Annuity or lump sum?"
- Financial planning before and after retirement
- Analysis of the expected
- Needs analysis (clarification of your risk capacity / risk appetite, determination of specific risks)
- Conception, development and implementation of a suitable insurance concept for your key persons and executives
- Comprehensive submission to the market
- Realization and implementation of the Keyman solution
- Ongoing support and assistance, especially in the event of personnel changes in management
- regular market review
Mortgage financing
Financing and hedging
Buying a property is still a lifelong dream for many people. In recent years, prices for residential property have risen very sharply in relation to income. It is therefore very important to compare the numerous providers and their calculation models when it comes to financing. Did you know that in addition to your house bank, insurance companies, pension funds and investment foundations also offer financing? It is therefore important to take this into account when looking for financing.
In principle, 80% of the purchase price of a property is financed by borrowing. The remaining 20% of the purchase price must be contributed by the owner, whereby at least 10% must be financed with equity capital that does not come from the occupational benefit scheme.
Own funds include, for example: account and savings balances, interest-free loans (not subject to repayment), inheritance withdrawals and gifts, pension assets from the 2nd and 3rd pillars, unoccupied building land and personal contributions (construction work carried out by the owner).
Mortgage financing is generally divided into a 1st and a 2nd mortgage. The maximum amount of the first mortgage is 66% of the purchase price. If the external financing requirement is higher than 66%, a second mortgage must be taken out for the remaining amount. This must be repaid within 15 years or by the time you reach normal retirement age (65).
We advise and support you in all areas of mortgage financing, amortization and insurance
Affordability calculation
The affordability calculation compares the financing costs in relation to income. The costs are made up as follows: Mortgage interest, ancillary costs and any amortization. When calculating the mortgage interest, the imputed interest rate of currently 5 % is used instead of the current interest rate. Between 0.7% and 1% of the property value is budgeted for ancillary costs.
How the individual financing companies calculate the income situation is very individual. For example, in addition to salary, bonuses, commissions or any investment income are taken into account differently. From the age of 50, affordability calculations are often made based on the normal retirement age (65). This means that the mortgage provider includes the pension income (AHV/pension) in the affordability.
In principle, mortgage financing is considered affordable if all financing costs do not exceed 1/3 of gross/pension income.
Amortization
There are two ways to make amortizations. Direct or indirect. It should be noted that indirect amortization is the more tax-efficient option.
Direct amortization
With direct amortization, a predefined amount is repaid directly (in instalments or as a one-off payment). This reduces the debt and the interest charges. The disadvantage of this option is that the interest on the debt is reduced. As a result, the amount deductible from taxable income is lower.
Indirect amortization
With indirect amortization, payments are not used to repay the mortgage directly, but are paid into a separate pension account. This can be done via a pillar 3a account or an account with a life insurance company. These funds are pledged in favor of the mortgage and thus serve as additional collateral.
Mortgage interest can be deducted in full from taxable income. This also applies to payments into pillar 3a. It is also possible to make amortizations via pillar 3b. It is important to us to actively support you in this area too.
Certified financial service provider according to FIDLEG
Our Group meets the requirements as a certified financial service provider in accordance with FinSA and is affiliated to the ombudsman's office recognized by the Federal Department of Finance in accordance with Art. 74 ff. FIDLEG, recognized by the Federal Department of Finance.
