Pension Fund Advice
Understand. Optimize. Use your 2nd pillar.
Whether it's a job change, divorce or reorientation – your pension fund is often your biggest asset. We help you make the right decisions.
Why your pension fund matters now
During transitions, the most important decisions about your retirement provision are often made. Make them consciously.
With every job change you decide about your retirement assets – consciously or unconsciously.
A divorce splits your pension fund balance. What comes next is in your hands.
Whether a buy-in, vested benefits or withdrawal – every decision has long-term consequences.
The right strategy can bring you tens of thousands of francs more in retirement.
We help you make these decisions correctly.
What many people get wrong:
"My employer takes care of my pension fund."
The 2nd pillar is only the basis. Without active optimization you miss buy-in opportunities and tax advantages.
"When I change jobs I'll just have the money transferred."
That can work – but not always. Interest rates, costs and benefits vary greatly between pension funds.
"After the divorce I should wait first."
This is exactly the moment to analyze the resulting gap and make a plan.
"A pension fund buy-in is only worth it for high earners."
Wrong! Even with middle incomes, buy-ins can be very attractive from a tax perspective.
With the right advice you avoid these mistakes.
What you really need
Only what's relevant to your situation:
An honest check of your 2nd pillar
How is your retirement provision doing? What benefits does your fund really offer?
Comparison when changing jobs
Old vs. new pension fund: we show you what to consider and where the differences lie.
Buy-in strategy
When is a buy-in worthwhile? How much? We calculate it specifically for your situation.
Long-term optimization
Your pension fund is more than a savings account. We show you how to use it optimally.
Together we develop your personal pension fund strategy.
How we support you – step by step
From analysis to implementation.
Situation analysis
Where do you stand? Job change, divorce, self-employment? We understand your starting position.
Pension fund check
We analyze your current pension fund: benefits, costs, interest rates, buy-in potential.
Calculating options
Vested benefits account, direct transfer, buy-in, partial withdrawal – we show you all options with numbers.
Supporting implementation
We help you with forms, deadlines and decisions – so nothing goes wrong.
What you'll know after the conversation
You'll have clarity about:
How your pension fund compares
Whether and when a buy-in is worthwhile for you
What to do when changing jobs
How a divorce affects your retirement provision
Which decisions have priority now
In short: you know exactly how to optimally use your pension fund.
Frequently asked questions about pension funds
Personal consultation
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Let's talk about your pension fund
A confidential conversation where we look together at what's possible for you.
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