Planning my retirement

Retirement is a key milestone in our lives and one that requires careful preparation. To assist you, we’ll analyse your current pension arrangements then propose solutions to optimise coverage from regulatory and tax perspectives, in full consideration of your personal future needs. Together we’ll define a strategy to place your finances on a secure footing and maximise your assets throughout this season in your life.

Retirement planning

We start by analysing your current pension arrangements, looking at your projected state pension (called “1st pillar” or AHV/AVS in Switzerland), your pension capital (“2nd pillar” or BVG/LPP) and your personal pension savings (“3rd pillar”, held in tax-efficient accounts (A) or in other ways (B)).

We’ll run a realistic simulation and determine your projected income as you embark on this new phase in your life. We’ll analyse your benefits upon retirement, the potential impacts of early retirement and examine whether a phased retirement would be workable for you in accordance with current legislation.

Once these arrangements have been analysed, we’ll suggest ways of maximising pension benefits.

Analysing occupational pension arrangements

Regular pension or lump sum?

Together we’ll look at the options available to you at retirement, either drawing a monthly pension for life or taking your pension pot as a lump sum – or a combination of the two. This will be one of the main questions you’ll face as retirement approaches.

We’re here to help you make the best choices that tick all your boxes, maximise your financial benefits and give you an unobstructed view of your future. We’ll advise you on the solution best suited to your needs bearing in mind your tax residency, family circumstances and personal aspirations.

The impact of your chosen retirement options on your finances will be simulated in accordance with your personal circumstances. Our in-depth analysis evaluates various retirement income options, from drawing a regular pension to taking a lump sum or mixing the two. Our detailed overview will highlight the benefits and drawbacks of each option from the standpoints of taxation, stable income flows and asset value preservation.