Plan and secure
your finances for retirement
- Financial security
- Absolute clarity
- Financial & tax savings
Planning your retirement is an essential element to enjoy your freedom and secure your financial, tax and asset situation in retirement. We provide detailed analysis, strategic planning and continuous adaptation to tax and market changes, to guarantee you financial security and peace of mind in retirement.
What do we offer?
Complete optimization of your retirement
01
Analysis of your financial situation
During your first meeting with our advisor, we carry out a complete assessment of your financial situation, including assets, liabilities and income. This detailed analysis, coupled with a discussion of your objectives and your risk profile, allows us to develop tailor-made wealth management strategies.
02
Data collection & analysis
We analyze your AVS contributions, your LPP assets, the payment of your pension fund, your 3rd pillar benefits, and your personal investments. We identify opportunities and challenges to secure your retirement, by aligning your expenses and resources. The goal is to fill gaps, reduce your tax burdens and optimize your finances and investments.
03
Your personalized retirement plan
Our advisors develop your personalized retirement strategy, presenting you with a plan to maximize your resources. This plan targets optimizing your savings, thoughtful investment planning and tax reduction. You thus obtain a strategy that ensures your financial future, bringing peace and quality of life in retirement.
The benefits of retirement planning
Benefit from a clear vision for your retirement, as well as tax and financial advantages to protect all of your assets.
Our areas of activity
Your retirement planning advisors
Are you facing many questions?
We guide you in planning your retirement by guaranteeing you the best choices based on your profile.
We believe that it is never too early to think about planning for retirement, especially for people who for various reasons may have had a reduction in earned income at some point or a career break It is in principle interesting from an economic and fiscal point of view to carry out one or more buyouts spread over several years, provided that the pension fund has a healthy coverage rate and that the state of health and family status of the insured person calls for a buyout. We also note that if the person concerned intends to take all or part of their retirement assets from the LPP in the form of capital, a period of 3 years must be respected after the last redemption under penalty of tax reclassification.
This is the fundamental question that we are systematically asked. This irrevocable decision is based first of all on the type of benefits paid by the pension fund and must be conditioned by careful retirement planning which will take into account the objectives and projects of the future retiree(e), their capacity for risk, its annual budget, its desire to transmit among other things.
AVS extracts and LPP certificates give good information on retirement pensions. However, we recommend calling on a specialist to identify the room for maneuver available in order to improve them while you are in the activity phase, while benefiting from tax relief.
It is possible to protect yourself from falling conversion rates by improving your retirement savings by buying back missing years or by setting up a 3th pillar A or even a 3th pillar B, among others.
A well-prepared retirement through planning work most of the time allows you to improve retirement benefits, make the right decisions when the time comes and provide a lot of clarity and visibility on the viability of possible projects and the maintenance of lifestyle over time.
The majority of pension funds allow early retirement from the age of 58. Be careful, however, of the exit tax in the event of taking capital, of AVS contributions for unemployed people in the event of maintaining domicile in Switzerland, and of AVS benefits which are in principle paid upon reaching the age of 65 (possibility of anticipating it by 2 years). Careful preparation for early retirement through good planning ensures that you do not make any missteps.
Why plan for retirement?
You maximize your savings and investments thanks to an optimized tax strategy, thus ensuring a comfortable and financially secure retirement. By planning ahead, you benefit from a clear view of your retirement years, and you get the most out of your pension plans allowing you to anticipate and effectively manage possible financial gaps.
The traps
currents to avoid
Inadequate retirement planning can lead to poor financial choices, such as a poor annuity-to-capital decision, an underestimation of future needs, and a lack of tax strategy. Ignoring legislative changes and pension plans can also compromise your financial security.
Advantageous foresight for the Genevans
For Geneva residents, we offer a unique solution that allows you to convert capital into guaranteed monthly income, over the period of your choice. Whether to anticipate a drop in income, finance a project or secure your transition to retirement, this solution combines flexibility, security and optimized taxation, while preserving your assets for your loved ones.
- Regular and guaranteed income for 5 to 25 years
- Advantageous taxation: only the return is taxed
- The remaining capital is passed on to your loved ones in the event of death
A unique and independent approach
Unlike large institutions, our independent firm offers you solutions in your unique interest. Our very rigorous approach is carried out in close collaboration with you. It is oriented towards a good understanding of your desires and goals. This is how every important decision will be placed in the context of your overall material situation.
What our clients say
Client reviews
Tell us about your project
Our advisors are available and attentive to your project. Book an appointment to learn more about our services and find out how we can help you.
