Nothing is as multifaceted as life. We support you on the way to a secure financial future with individual pension and financial advice – tailored to your situation, your dreams and your goals.
- Home and living: affordability calculations, amortisation, changes in living situation (purchase/sale), calculations for tax-neutral home financing (mortgage amount)
- Property and asset insurance: personal liability, contents, building, comprehensive insurance, emergency aid
- Tax optimisation: pillar 3a, pillar 3b, payout options, save taxes with residential property
How your consultation works
Are you and your loved ones adequately insured in the event something happens to you? Will you be able to cover your expenses if you become ill or suffer an accident? Do you dream of travelling around the world or even emigrating? Would you like to like to become self-employed? No matter what the future holds for you, it is important to address your needs and goals early and regularly during different phases of your life. It helps you look forward to your future in all its facets with financial confidence. We accompany you every step of the way
Assessment of your current situation
In the first free consultation, we assess your current situation and set out your short, medium and long-term priorities. The focus is on your personal pension situation, income protection, retirement provisions and achieving your savings targets. In doing so, we rely on our award-winning digitally supported advisory process. This turns your consultation into an experience.
Ideally, you should think about your financial goals, wishes and needs in advance so you don’t have to answer questions out of the blue during our consultation and can easily follow our thoughts and suggestions.
The following documents form the basis for our precise and comprehensive analysis. Please bring what you already have with you to the first appointment. We will then discuss whether further documentation may be required.
- Pension fund certificate
- Tax return
- Life and pension insurance policies (3a/3b)
- Property insurance policies (household, personal liability, car, etc.)
- Health and accident insurance policies (KVG/supplementary insurance)
We will be happy to welcome you to an agency near you, but we will also gladly come to your home. An online meeting is also possible.
For the first appointment when we get to know each other and conduct the needs analysis, it is best to set aside 60 minutes. This takes place at a location of your choice or online. We determine the length of any subsequent appointments together.
The result
In the second meeting, we present you with individual proposed solutions for your financially self-determined future. This includes a personal action plan that supports you over the long term. It shows you when to take which steps, such as making a pension fund purchase or opting for a pillar 3a product to optimise your tax situation or reallocating your investments. We also provide you with a number of easy-to-understand graphs and tables showing your pension and financial situation.
Individual financial advice
Overview of your current total and capital assets, analysis of your assets and your current or desired income in the event of disability, death and old age, creation of your investment and risk profile and personal financial roadmap
Individual pension analysis
Analysis of the income to be expected upon retirement (from AHV/AVS, pension fund and private provisions) and outgoings, tax issues with regard to pension provisions, overview of the desired income and outgoings upon retirement with proposed solutions
Individual healthcare insurance
Analyse your healthcare insurance and your currently insured benefits, list your day-to-day costs (e.g. for medication, regular check-ups or therapy) and analyse potential savings and opportunities to optimise your insurance.
The first appointment is free of charge. It helps us get to know each other and assess your current life situation. You tell us about your financial goals, wishes and needs, and we will draw up an initial analysis based on these. If you can imagine working with us, we will go one step further. In the second meeting, we will present you with your detailed pension and financial analysis and personal solutions.
This detailed plan, which includes a financial timetable and action plan as well as advice covering the next five years, will cost you a one-off CHF 350. We will disclose the costs to you transparently before concluding the advisory mandate.
We will accompany you through different phases and for a lifetime, if you want. If your personal situation changes, you can adjust many of our solutions even after concluding a contract. The first mandate lasts for five years. During this period we will adapt your analyses to new circumstances free of charge.
You can also use the Swiss Life customer portal to view all your contracts and documents at any time. That way you can always keep an eye on your pension situation.
The advantages of pension and financial advice
✔ Overview: your financial situation is presented in an easy-to-understand visual format, giving you a precise and clear picture of your finances.
✔ Foresight: your personal financial roadmap provides you with an overview of all key dates and activities.
✔ Individuality: you will receive tailor-made solutions that suit you and your particular stage of life.
✔ Long term: you can count on us – for a lifetime, if you want. During the first five years, we will adapt your analyses to new circumstances free of charge.
I would like to plan my pension and finances
We have the right solutions – for your needs today and in the future.