Retirement is an important milestone that brings anticipation and questions. Start planning your retirement at the age of 50 at the latest to retire with financial confidence. We are there to support you.
- Home and living: changes in living situation (purchase/sale), affordability calculations, amortisation, calculations for tax-neutral home financing (mortgage amount)
- Property and asset insurance: personal liability, contents, building, comprehensive insurance, emergency aid
- Healthcare insurance: cheapest basic insurance, supplementary insurance
- Income protection: term life insurance, disability
- Sustainable asset accumulation and diversification: solid investment of fund assets
- Tax optimisation: pillar 3a, pillar 3b, payout options, save taxes with residential property
How your consultation works
If you consider your goals, wishes and needs for life after stopping work, this will help you look forward calmly to retirement with financial confidence. We accompany you every step of the way
The needs analysis
In an initial free consultation, we will discuss your current pension, insurance and financial situation together. 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
- Life insurance policies (pillars 3a and 3b)
- Tax return
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 will present you with your detailed pension planning and personal solutions. This includes a personal action plan that supports you over the long term. It shows you when you should take which steps, such as making a pension fund purchase, registering for an AHV/AVS pension or reallocating your assets.
In addition, we provide you with a clear graphical and tabular overview of your future income and expenditure, your asset development and your taxes – and how these will change in different scenarios (e.g. the death of your partner or withdrawal of your pension fund assets as a pension or lump sum).
Individual pension planning
Calculation of time of retirement, partial retirement, proposal for pension or lump-sum payment, liquidity calculations, overview of income development
Individual investment planning
Overview of asset development, establishment of needs-based asset structure, options for targeted asset accumulation and consumption
Individual tax planning
Overview of tax development, tax-optimised savings process, planning of tax-efficient pension withdrawals, making full use of available tax deductions
The first consultation is free of charge and is used to 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 retirement plan and personal solutions.
This detailed plan, which includes an action plan as well as advice covering the next five years, will cost you a one-off CHF 750. 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. The first mandate lasts for five years. During this period we will adapt your analyses to new circumstances free of charge. If your personal situation changes, you can adjust many of our solutions even after concluding a contract.
You can also use our Swiss Life customer portal here. You can view all their contracts and documents here. That way you always have an overview of your pension situation.
The benefits of retirement planning
✔ Overview: you set the course for a financially self-determined future in retirement.
✔ Foresight: you know how your income, expenditures and retirement benefits will change over time.
✔ Planability: you understand how your tax burden will change and what measures you can take as a result.
✔ 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.
✔ Security: you can be certain that your financial situation in old age will be planned in accordance with your wishes.
I would like to plan my retirement
We are here to support you with experience, expertise and empathy so that you can look forward to your retirement with peace of mind.