Retirement Planning
Coordinate AHV, pension fund & pillar 3a optimally
The transition into retirement is one of the most important financial decisions of your life. We help you get the most out of your pension provisions.
Why you should plan now
Retirement planning takes time. The earlier you start, the more options you have to optimize your retirement provisions.
5-10 years before retirement is the ideal time for comprehensive planning.
With timely planning you can significantly optimize your pension.
With the right lump-sum withdrawal strategy, you save thousands of francs in taxes.
You secure a predictable income and avoid financial shortfalls in old age.
We accompany you on the way to a carefree retirement.
What many people misjudge:
"I'll wait until shortly before retirement."
Then there's barely any time left for pension fund buy-ins, tax optimization and a well-thought-out withdrawal strategy.
"I'll just take everything as a pension."
Combining pension and lump sum is often significantly more tax-optimized and flexible.
"AHV is fixed anyway."
Through clever deferral or early withdrawal, the AHV pension can be optimized – depending on your situation.
"My employer will handle that."
The pension fund provides information, but you need to develop the optimal strategy yourself.
With the right planning you avoid costly mistakes.
What you need for an optimal retirement
A comprehensive strategy for all three pillars:
A clear AHV strategy
Early withdrawal, regular withdrawal, or deferral? We analyze what's best for you.
Pension fund optimization
Buy-ins, lump sum vs. pension – we show you the best solution for your situation.
Pillar 3a withdrawal strategy
Staggered withdrawal over several years saves significant taxes.
A budget for retirement
How much do you really need? We create a realistic plan.
Together we develop your personal retirement strategy.
How we support you – step by step
From analysis to successful retirement.
Initial meeting: Your starting point
What does your pension situation look like? AHV, pension fund, pillar 3a, assets?
Comprehensive analysis
We calculate different scenarios: pension withdrawal, lump sum, combinations.
Concrete strategy
You receive a tailor-made plan with clear recommendations for action.
Support with implementation
We support you with pension fund buy-ins, applications and timing coordination.
What you'll know after the consultation
You have clarity about:
What pension you can expect from AHV and pension fund
Whether a lump-sum withdrawal makes sense for you
How to optimally withdraw your pillar 3a
How much you really need in retirement
What tax optimizations are still possible
In short: you enter retirement with a clear plan.
Frequently asked questions about retirement planning
Personal consultation
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Plan your retirement now
The earlier you start, the more you benefit.
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