Pensions & retirement
Retirement planning starts with the income you want your assets to support. Your Swiss pension arrangements are an important part of that picture, alongside savings, investments and retirement rights held abroad. We bring these elements together before looking at individual decisions.
The review begins with AHV/AVS, your occupational pension and Pillar 3a. We consider the contribution record, expected benefits, pension fund savings and the protection available to your family. Gaps in the information are identified before recommendations or actions are agreed.
A pension fund statement is only part of the story. Cash needs, intended retirement timing, family responsibilities and other assets can affect what matters most. We help you frame the choices that need to be considered, including the role of continuing contributions and the implications of taking benefits.
For clients with pensions in the UK or elsewhere, those rights remain part of the wider plan. Transfers, withdrawals and changes in residence can have consequences across jurisdictions. We coordinate relevant specialist input before decisions are made.
Business owners have another perspective to consider: the pension arrangement for the company and its people. We review insured salary, contributions, death and disability cover, and the fund’s terms. The business plan and the retirement plan should be considered together.
