{"id":29236,"date":"2022-01-05T18:52:40","date_gmt":"2022-01-05T17:52:40","guid":{"rendered":"https:\/\/abes.ch\/?page_id=29236"},"modified":"2023-12-02T08:18:08","modified_gmt":"2023-12-02T07:18:08","slug":"assets-and-provisions","status":"publish","type":"page","link":"https:\/\/abes.ch\/en\/vermoegen-und-vorsorge\/","title":{"rendered":"Assets and pension provision"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"29236\" class=\"elementor elementor-29236\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-724c32f7 e-flex e-con-boxed e-con e-parent\" data-id=\"724c32f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/abes.ch\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Wellen_Meer_Vorsorge.mov&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;,&quot;background_video_start&quot;:1,&quot;background_video_end&quot;:2000,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-background-video-container\">\n\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted\" role=\"presentation\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t<\/div><div class=\"elementor-element elementor-element-68f3545c e-con-full e-flex e-con e-child\" data-id=\"68f3545c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28dc42c e-con-full e-flex e-con e-child\" data-id=\"28dc42c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7856fe63 elementor-widget-tablet__width-initial elementor-widget elementor-widget-elementskit-heading\" data-id=\"7856fe63\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><span class=\"elementskit-section-subtitle  elementskit-style-border\">\n\t\t\t\t\t\tWe advise, accompany and support\n\t\t\t\t\t<\/span><h2 class=\"ekit-heading--title elementskit-section-title\">Qualified expert in the area of assets and pensions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-ekitparallax=\"{&quot;ekit_section_parallax_bg&quot;:&quot;yes&quot;,&quot;ekit_section_parallax_bg_speed&quot;:&quot;0.6&quot;,&quot;elementor_lazy_load&quot;:&quot;1&quot;}\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4d156cb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d156cb5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-58efc2d1\" data-id=\"58efc2d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-38d6e2a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38d6e2a9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4f6341f6\" data-id=\"4f6341f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9b6b673\" data-id=\"9b6b673\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30d1ae0f elementor-widget elementor-widget-elementskit-heading\" data-id=\"30d1ae0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><span class=\"elementskit-section-subtitle  elementskit-style-border\">\n\t\t\t\t\t\tTrust through competence!\n\t\t\t\t\t<\/span>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ac3f67c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ac3f67c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6439991\" data-id=\"6439991\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-24154929 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"24154929\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7ebd066b\" data-id=\"7ebd066b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c718150 elementor-widget elementor-widget-elementskit-heading\" data-id=\"5c718150\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Our services at a glance<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Our services are modular and can be extended on a fee basis.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<div class=\"ekit_heading_separetor_wraper ekit_heading_elementskit-border-divider ekit-dotted\"><div class=\"elementskit-border-divider ekit-dotted\"><\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2c38fb3e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2c38fb3e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f0357d1\" data-id=\"f0357d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f30131a ekit-equal-height-enable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"4f30131a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" verm=\"\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Financial &amp; Wealth Planning                <\/h3>\n                        \t\t  \t<p>We analyze your financial situation and create an individual financial plan<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Finanzplanung\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2dab3489\" data-id=\"2dab3489\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56893076 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"56893076\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Estate Planning                <\/h3>\n                        \t\t  \t<p>We provide you with comprehensive support in connection with your estate planning<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Nachlassplanung\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7675b1e5\" data-id=\"7675b1e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34076d7 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"34076d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Pension planning                <\/h3>\n                        \t\t  \t<p>We evaluate your situation to optimize and secure your pension provision in old age<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Pensionsplanung\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-33d8504 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"33d8504\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d804fd6\" data-id=\"d804fd6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-363f05b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"363f05b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Pension analysis                <\/h3>\n                        \t\t  \t<p>We analyze your financial situation and create an individual financial plan<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Vorsorgeanalyse\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f629c83\" data-id=\"f629c83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6326614 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"6326614\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Keyman - Insurance                <\/h3>\n                        \t\t  \t<p>We support companies in safeguarding key personnel<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Keyman\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-db7c5e9\" data-id=\"db7c5e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b40a9c ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"5b40a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-\">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Mortgage financing                <\/h3>\n                        \t\t  \t<p>We evaluate your situation to optimize and secure your pension provision in old age<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a class=\"elementskit-btn whitespace--normal\" href=\"#Hypothekarfinanzierung\">\n                                        <i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>                                        Read more                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10cc0d3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"10cc0d3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-feb5efb\" data-id=\"feb5efb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7cfc772 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7cfc772\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d41116a\" data-id=\"d41116a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-008a679 elementor-widget elementor-widget-menu-anchor\" data-id=\"008a679\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Finanzplanung\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3e0c83 elementor-widget elementor-widget-elementskit-heading\" data-id=\"b3e0c83\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Financial &amp; Wealth Planning<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tAchieving your own wishes and goals\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-edcd151 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"edcd151\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-26e656f\" data-id=\"26e656f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f85c42f elementor-widget elementor-widget-text-editor\" data-id=\"f85c42f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The personal starting position, needs, expectations and goals are very individual. Careful planning of your finances and assets will help you achieve your goals.<\/p><p>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.<\/p><p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-920e208 elementor-hidden-mobile\" data-id=\"920e208\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cf1baf6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cf1baf6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f08245e\" data-id=\"f08245e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a4b0eb elementor-widget elementor-widget-text-editor\" data-id=\"5a4b0eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"wp-block-heading\">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.<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Our solution approach<\/h3><p>We address your personal situation and support you together with our external specialists in the following areas:<\/p><ul><li>Needs analysis<\/li><li>Projection of the financial situation (income, expenses and assets)<\/li><li>Identify specific actions to help you achieve your financial goals<\/li><li>Elaboration of suitable solutions for asset structuring<\/li><li>Opportunities for asset accumulation<\/li><li>Analysis of the long-term affordability of the mortgage\u00a0<\/li><li>Identification of tax liabilities including identification of possible optimizations<\/li><li>Consulting in the field of financing personal projects<\/li><li>Individual and customized solution variants as a basis for decision-making<\/li><li>Support in the implementation of your desired solution<\/li><\/ul><\/div><div class=\"wp-block-column px-0 py-5 p-md-5 pe-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Profound knowledge around pension planning<\/h3><p>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.<\/p><div class=\"wp-block-spacer\" aria-hidden=\"true\">\u00a0<\/div><h3 class=\"wp-block-heading\">Professional insurance brokerage<\/h3><p>As a neutral, independent insurance broker, we accompany you and offer flexible and comprehensive advice in connection with your financial and asset planning.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e75fcbe elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e75fcbe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b40d865\" data-id=\"b40d865\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0af5f1d elementor-widget elementor-widget-menu-anchor\" data-id=\"0af5f1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Nachlassplanung\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-79f2985 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"79f2985\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-782e6b6\" data-id=\"782e6b6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71e962e elementor-widget elementor-widget-elementskit-heading\" data-id=\"71e962e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Estate Planning<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tFulfillment of your goals and wishes\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4d677e8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4d677e8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0d04c06\" data-id=\"0d04c06\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0d1414 elementor-widget elementor-widget-text-editor\" data-id=\"e0d1414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>How can the life partner be included in the estate? Who should inherit the vacation home? Who should be the successor in the company?<\/p><p>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.<\/p><p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f5823e3 elementor-hidden-mobile\" data-id=\"f5823e3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8a0cdd3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8a0cdd3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2bf45ca\" data-id=\"2bf45ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cb56a5 elementor-widget elementor-widget-text-editor\" data-id=\"8cb56a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"wp-block-heading\">We advise you individually and completely according to your needs.<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Our solution approach<\/h3><p>We address your personal situation and support you in the following areas:<\/p><ul><li>Listing the legal succession<\/li><li>Estate planning in the realm of possibilities<\/li><li>Income planning for the derivation of possible advance inheritance payments<\/li><li>Advice in the area of advance inheritance<\/li><li>Advice and proposals for the estate of cohabiting couples.<\/li><li>Possibilities for inheritance in patchwork families<\/li><li>Advantages and disadvantages of the will and the contract of inheritance<\/li><li>Assistance with the formal requirements of the will<\/li><li>Help with drawing up the advance directive<\/li><li>Drawing up an inheritance contract<\/li><li>Support in the preparation for the digital estate<\/li><\/ul><\/div><div class=\"wp-block-column px-0 py-5 p-md-5 pe-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Profound knowledge of the pension market<\/h3><p>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.<\/p><div class=\"wp-block-spacer\" aria-hidden=\"true\">\u00a0<\/div><h3 class=\"wp-block-heading\">Professional insurance brokerage<\/h3><p>As a neutral, independent insurance broker, we accompany you and offer flexible and comprehensive advice in connection with your estate planning.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fac9ec9 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"fac9ec9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0424e05\" data-id=\"0424e05\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ea48f4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5ea48f4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4172a03\" data-id=\"4172a03\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df26f74 elementor-widget elementor-widget-menu-anchor\" data-id=\"df26f74\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Pensionsplanung\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f5fc90 elementor-widget elementor-widget-elementskit-heading\" data-id=\"9f5fc90\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Retirement planning<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tA carefree start to retirement\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-439a353 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"439a353\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f9eb1c4\" data-id=\"f9eb1c4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-243c773 elementor-widget elementor-widget-text-editor\" data-id=\"243c773\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The question\u00a0<em>Pension, capital<\/em> or <em>Mixing molds<\/em> 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.<\/p><p>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.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-49d1232 elementor-hidden-mobile\" data-id=\"49d1232\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6bcdf7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d6bcdf7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a08dc47\" data-id=\"a08dc47\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-054edce elementor-widget elementor-widget-text-editor\" data-id=\"054edce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"wp-block-heading\">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.<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Our solution approach<\/h3><p>We address your personal situation and support you in the following areas:<\/p><ul><li>Needs analysis<\/li><li>Planning tax-advantaged measures before retirement<\/li><li>Possibilities for improving the pension situation<\/li><li>Planning for the tax-optimized withdrawal of pension assets<\/li><li>Development of a basis for decision-making on the question \"<em>Annuity or lump sum?\"<\/em><\/li><li>Financial planning before and after retirement<\/li><li>Analysis of the expected consumption of assets<\/li><li>Options and consequences for early retirement<\/li><\/ul><\/div><div class=\"wp-block-column px-0 py-5 p-md-5 pe-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Profound knowledge around pension planning<\/h3><p>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.<\/p><div class=\"wp-block-spacer\" aria-hidden=\"true\">\u00a0<\/div><h3 class=\"wp-block-heading\">Professional insurance brokerage<\/h3><p>As a neutral, independent insurance broker, we accompany you and offer you flexible and comprehensive advice in connection with your pension planning.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fbba72 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5fbba72\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4df8af6\" data-id=\"4df8af6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-280a487 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"280a487\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-14184ce\" data-id=\"14184ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-712909e elementor-widget elementor-widget-menu-anchor\" data-id=\"712909e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Vorsorgeanalyse\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d22ea5d elementor-widget elementor-widget-elementskit-heading\" data-id=\"d22ea5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Pension analysis<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tEveryday life without financial surprises\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bf063cf elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"bf063cf\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0b9844c\" data-id=\"0b9844c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42b7abe elementor-widget elementor-widget-text-editor\" data-id=\"42b7abe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-88adb58 elementor-hidden-mobile\" data-id=\"88adb58\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e7c3aa5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e7c3aa5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b4c967b\" data-id=\"b4c967b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0ff876 elementor-widget elementor-widget-text-editor\" data-id=\"e0ff876\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"wp-block-heading\">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.<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 class=\"wp-block-heading\">Our solution approach<\/h3><p>We address your personal situation and support you in the following areas:<\/p><ul><li>Derivation of the existing coverage by the social insurances<\/li><li>Needs analysis and consideration of the individual starting position<\/li><li>Possibilities for closing pension gaps<\/li><li>Tenders in the field of term and life insurance<\/li><li>Comparison of the different offers and support in making the appropriate choice<\/li><li>Financial planning to achieve desired goals<\/li><li>Support for tax-privileged measures in the area of the 3rd pillar<\/li><li>Comparison of vested benefits institutions<\/li><li>Comparison of a voluntary pension fund connection and the 3a solution for sole traders<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd24441 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"fd24441\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-764c8cb\" data-id=\"764c8cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-14af9d3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"14af9d3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2a14509\" data-id=\"2a14509\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4dbb2a2 elementor-widget elementor-widget-menu-anchor\" data-id=\"4dbb2a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Keyman\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-474346f elementor-widget elementor-widget-elementskit-heading\" data-id=\"474346f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Tailor-made insurance cover<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tEffectively insure key people in your company\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-56541a7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"56541a7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-90cbbf0\" data-id=\"90cbbf0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f4f67d elementor-widget elementor-widget-text-editor\" data-id=\"2f4f67d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>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.<\/p><p><strong>How does Keyman insurance work?<\/strong><\/p><p>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.<\/p><p>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).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-15bda75 elementor-hidden-mobile\" data-id=\"15bda75\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0814966 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0814966\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8515bf3\" data-id=\"8515bf3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8874ae0 elementor-widget elementor-widget-text-editor\" data-id=\"8874ae0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"wir-beraten-und-unterstutzen-sie-in-samtlichen-bereichen-der-risikoabsicherung-ihrer-schlusselpersonen-gerne-stehen-wir-ihnen-mit-unserem-breiten-fachwissen-und-umfassenden-kenntnissen-des-marktes-zur-seite\" class=\"wp-block-heading\">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.<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><h3 id=\"unser-losungsansatz\" class=\"wp-block-heading\">Our solution approach<\/h3><p>We capture your key person risk protection requirements and implement your expectations:<\/p><ul><li>Needs analysis<\/li><li>Planning tax-advantaged measures before retirement<\/li><li>Possibilities for improving the pension situation<\/li><li>Planning for the tax-optimized withdrawal of pension assets<\/li><li>Development of a basis for decision-making on the question \"<em>Annuity or lump sum?\"<\/em><\/li><li>Financial planning before and after retirement<\/li><li>Analysis of the expected<\/li><\/ul><ul><li>Needs analysis (clarification of your risk capacity \/ risk appetite, determination of specific risks)<\/li><li>Conception, development and implementation of a suitable insurance concept for your key persons and executives<\/li><li>Comprehensive submission to the market<\/li><li>Realization and implementation of the Keyman solution<\/li><li>Ongoing support and assistance, especially in the event of personnel changes in management<\/li><li>regular market review<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20aa60e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"20aa60e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8f88e75\" data-id=\"8f88e75\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ccef52c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ccef52c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-50b68a2\" data-id=\"50b68a2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4be06d4 elementor-widget elementor-widget-menu-anchor\" data-id=\"4be06d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Hypothekarfinanzierung\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37afed5 elementor-widget elementor-widget-elementskit-heading\" data-id=\"37afed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title\">Mortgage financing<\/h2><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle\">\n\t\t\t\t\t\tFinancing and hedging\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-352170a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"352170a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a75031\" data-id=\"8a75031\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfc138e elementor-widget elementor-widget-text-editor\" data-id=\"cfc138e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"fws_65527c57956f5\" class=\"wpb_row vc_row-fluid vc_row standard_section\" data-midnight=\"dark\" data-bg-mobile-hidden=\"\"><div class=\"col span_12 dark left\"><div class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding instance-0\" data-border-radius=\"none\" data-shadow=\"none\" data-border-animation=\"\" data-border-animation-delay=\"\" data-border-width=\"none\" data-border-style=\"solid\" data-border-color=\"\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element wpb_animate_when_almost_visible wpb_fadeIn fadeIn animated wpb_start_animation\"><div class=\"wpb_wrapper\"><p>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.<\/p><\/div><\/div><div class=\"divider-wrap\"><div class=\"divider\">\u00a0<\/div><div class=\"divider\"><strong style=\"color: inherit; font-family: inherit; font-size: 1.5rem;\">Financing<\/strong><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"fws_65527c5795f5f\" class=\"wpb_row vc_row-fluid vc_row standard_section\" data-midnight=\"dark\" data-bg-mobile-hidden=\"\"><div class=\"col span_12 dark left\"><div class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding instance-1\" data-border-radius=\"none\" data-shadow=\"none\" data-border-animation=\"\" data-border-animation-delay=\"\" data-border-width=\"none\" data-border-style=\"solid\" data-border-color=\"\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element wpb_animate_when_almost_visible wpb_fadeIn fadeIn animated wpb_start_animation\"><div class=\"wpb_wrapper\"><p>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.<\/p><p>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).<\/p><p>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).<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d929333 elementor-hidden-mobile\" data-id=\"d929333\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d07fe9 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5d07fe9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-709d8fe\" data-id=\"709d8fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d47383f elementor-widget elementor-widget-text-editor\" data-id=\"d47383f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"wir-beraten-und-unterstutzen-sie-in-samtlichen-bereichen-der-risikoabsicherung-ihrer-schlusselpersonen-gerne-stehen-wir-ihnen-mit-unserem-breiten-fachwissen-und-umfassenden-kenntnissen-des-marktes-zur-seite\" class=\"wp-block-heading\">We advise and support you in all areas of mortgage financing, amortization and insurance<\/h3><div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column px-0 pt-5 p-md-5 ps-md-0 is-layout-flow wp-block-column-is-layout-flow\"><div id=\"fws_65527c5796b1c\" class=\"wpb_row vc_row-fluid vc_row standard_section\" data-midnight=\"dark\" data-bg-mobile-hidden=\"\"><div class=\"col span_12 dark left\"><div class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding instance-3\" data-border-radius=\"none\" data-shadow=\"none\" data-border-animation=\"\" data-border-animation-delay=\"\" data-border-width=\"none\" data-border-style=\"solid\" data-border-color=\"\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element wpb_animate_when_almost_visible wpb_fadeIn fadeIn animated wpb_start_animation\"><div class=\"wpb_wrapper\"><p><strong>Affordability calculation<\/strong><\/p><p>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.<\/p><\/div><\/div><div class=\"divider-wrap\"><div class=\"divider\"><p>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.<\/p><p>In principle, mortgage financing is considered affordable if all financing costs do not exceed 1\/3 of gross\/pension income.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"fws_65527c5797124\" class=\"wpb_row vc_row-fluid vc_row standard_section\" data-midnight=\"dark\" data-bg-mobile-hidden=\"\"><div class=\"col span_12 dark left\"><div class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding instance-4\" data-border-radius=\"none\" data-shadow=\"none\" data-border-animation=\"\" data-border-animation-delay=\"\" data-border-width=\"none\" data-border-style=\"solid\" data-border-color=\"\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element wpb_animate_when_almost_visible wpb_fadeIn fadeIn animated wpb_start_animation\"><div class=\"wpb_wrapper\"><p><strong>Amortization<\/strong><\/p><p>There are two ways to make amortizations. Direct or indirect. It should be noted that indirect amortization is the more tax-efficient option.<\/p><p><strong>Direct amortization<\/strong><\/p><p>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.<\/p><p><strong>Indirect amortization<\/strong><\/p><p>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.<\/p><p>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.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69121581 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"69121581\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1edd5759\" data-id=\"1edd5759\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28066580 elementor-widget elementor-widget-elementskit-heading\" data-id=\"28066580\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><span class=\"elementskit-section-subtitle  elementskit-style-border\">\n\t\t\t\t\t\tTrust through competence!\n\t\t\t\t\t<\/span><h2 class=\"ekit-heading--title elementskit-section-title\">Certified financial service provider according to FIDLEG<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-578ef0c9 elementor-widget elementor-widget-text-editor\" data-id=\"578ef0c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-77cfa61a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77cfa61a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-59cec3f4\" data-id=\"59cec3f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eb2044 elementor-widget elementor-widget-image\" data-id=\"2eb2044\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"59\" src=\"https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-300x59.png\" class=\"attachment-medium size-medium wp-image-43282\" alt=\"\" srcset=\"https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-300x59.png 300w, https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-1024x201.png 1024w, https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-768x150.png 768w, https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-1536x301.png 1536w, https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000-18x4.png 18w, https:\/\/abes.ch\/wp-content\/uploads\/2023\/11\/Original-on-Transparent-Max-size-2000.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-30a284f2 elementor-hidden-mobile\" data-id=\"30a284f2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Wir Beraten, Begleiten und Betreuen Qualifizierte Expertin im Bereich Verm\u00f6gen und Vorsorge Vertrauen durch Kompetenz! Durch umfassende Analysen zeigen wir Ihnen Risiken und L\u00fccken auf und beraten Sie bei der Umsetzung von L\u00f6sungen, welche Ihren W\u00fcnschen entsprechen. Diese Dienstleistung bieten wir selbstverst\u00e4ndlich auch auf der Basis von Honorardienstleistung an, wahlweise auch in Kombination mit der [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"class_list":["post-29236","page","type-page","status-publish","hentry"],"coauthors":[],"author_meta":{"author_link":"https:\/\/abes.ch\/en\/author\/pascal-mayor\/","display_name":"pascal.mayor"},"relative_dates":{"created":"Posted 4 years ago","modified":"Updated 3 years ago"},"absolute_dates":{"created":"Posted on 5. January 2022","modified":"Updated on 2. December 2023"},"absolute_dates_time":{"created":"Posted on 5. January 2022 18:52","modified":"Updated on 2. December 2023 08:18"},"featured_img_caption":"","featured_img":false,"series_order":"","_links":{"self":[{"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/pages\/29236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/comments?post=29236"}],"version-history":[{"count":715,"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/pages\/29236\/revisions"}],"predecessor-version":[{"id":48077,"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/pages\/29236\/revisions\/48077"}],"wp:attachment":[{"href":"https:\/\/abes.ch\/en\/wp-json\/wp\/v2\/media?parent=29236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}