Turn a lifetime of work into a serene retirement.
Annuity or lump sum? Staggered withdrawals? Taxation?
Do not leave 40 years of savings to chance.
Let’s build your exit strategy together.
The OASI Countdown
Request an early pension calculation and submit the application 90 days in advance.
We check for missing contribution years (gaps) to avoid a lifelong reduction in your pension.
The Great Dilemma: Annuity or Lump Sum?
Choose between the security of a monthly annuity or the freedom of capital.
It is not an emotional choice; it is a tax and estate calculation. We simulate both scenarios based on your life expectancy and your plans.
3rd Pillar Withdrawal Planning
Avoid withdrawing all your accounts in the same year.
Through deferred payments, we stagger withdrawals over several years to break tax progression and save tens of thousands of francs in taxes.
Tax Optimization of LPP/Occupational Pension Capital
Prepare for the tax payment on your capital withdrawal.
Depending on where you live, the tax can vary by up to double. We anticipate the tax cost so that you know exactly how much you will have left in your pocket.
Retirement Budget Review
Adapt your income to your new lifestyle.
Your expenses will change. We create your new budget to ensure that your standard of living is sustainable until age 95.
Estate Planning & Protection of the Spouse
Ensure that the remaining capital protects your partner.
The widow/widower’s survivor pension is capped at 40%. We put the necessary guarantees in place to ensure your spouse is never left destitute.
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