- Open a Pillar 3a before December 31 to save up to CHF 2,000 in taxes
Switzerland's pension system is based on a complex but coherent architecture founded on three pillars. This system is designed to guarantee an income in the event of retirement, disability or death. But you need to know how it applies to your own situation.
Through a structured, independent approach, we help you take stock of your social security coverage and make the right decisions. Our aim is to help you anticipate rather than suffer.
Take advantage of a no-obligation consultation to take stock of your situation.
The first pillar (AVS/AI/PC) ensures living wage. The second pillar (BVG) completes this base for maintain a decent standard of living. As for the third pillar (3a and 3b), it allows you to fill the gaps and tax optimization. Together, these three pillars should theoretically cover around 60 to 80% of your last salary at retirement. But is this really the case for you?
Many people discover too late that they have accumulated forgotten BVG assets with former employers, that they are not taking full advantage of the tax benefits of the Pillar 3a, or that their retirement planning is seriously flawed. Others are asking themselves essential questions: how to optimize my contributions ? What happens in the event of divorce ? What is the tax impact of a early withdrawal ?
Through a personalized analysis of your situation, We'll help you take stock of your current and future coverage. Our approach is to identify your precise needs, detect any gaps in your pension provision, and propose concrete solutions tailored to your profile and life goals.
Whether you're an employee or an expatriate, independent, Whether you're a young professional, close to retirement or just starting your career, every situation deserves special attention. Our aim is simple: to help you’anticipate rather than suffer, and make informed decisions to secure your future and that of your loved ones.
The first pillar forms the basis of the Swiss pension system. It comprises the AVS (old-age and survivors' insurance), the AI (invalidity insurance) and supplementary benefits. Its purpose is clear: to guarantee living wage to all Swiss residents.
Occupational pension provision (BVG) supplements the AHV to maintain your usual standard of living. Mandatory from CHF 22,680 of annual income (2025), it accumulates your retirement capital with your pension fund. If you change jobs, your assets are transferred.
The third pillar is a voluntary personal pension plan. Pillar 3a offers significant tax advantages and is designed for retirement. Pillar 3b is more flexible, but without tax deductions. Together, they enable you to close any gaps in your pension provision, optimize your tax situation and prepare for retirement with peace of mind.
We offer comprehensive support to help you secure your financial future and optimize your assets. Whether you're looking to finance a property, prepare for retirement, analyze your pension scheme or retrieve forgotten BVG assets, our experts will guide you every step of the way.
Make a free appointment with one of our pension experts for personalized advice.
