Retirement planning 40+ for your long-term retirement and tax strategy

Save taxes through long-term tax planning and early retirement planning. We help you plan your retirement strategically from the age of 40 onwards and make the most of the tax-saving opportunities available to you.

We provide comprehensive advice on the Swiss state pension (AHV), occupational pension schemes, Pillar 3a and your overall wealth structure, including investments, real estate, mortgages, taxes and estate planning. Contributions to Pillar 3a, voluntary purchases into your pension fund and a staggered withdrawal of retirement assets can significantly reduce your tax burden. Coordinating withdrawals from the second and third pillars is particularly important for achieving the best tax outcome.

We calculate your expected Swiss state pension (AHV) benefits and explain the financial impact of taking your pension early or deferring it for up to five years. We also help you determine the most suitable pension fund option, including whether to choose a lifelong pension or a lump-sum withdrawal, taking into account taxes, liquidity and the financial security of your family.

We also help you plan for early or deferred retirement. Together, we analyse your financial situation, identify potential risks and prepare a realistic overall retirement plan. Depending on your pension fund regulations, it may also be possible to continue working and postpone retirement beyond the ordinary retirement age.

Real estate and mortgages often play a key role in retirement planning. Extending a mortgage after retirement may involve new affordability and income requirements. At the same time, it is advisable to address estate planning matters at an early stage to avoid future disputes and minimise potential tax consequences.