{"id":1574,"date":"2025-04-24T09:54:26","date_gmt":"2025-04-24T09:54:26","guid":{"rendered":"http:\/\/invexa.ch\/?page_id=1574"},"modified":"2026-02-09T06:39:34","modified_gmt":"2026-02-09T06:39:34","slug":"consultant-planification-retraite","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/services\/retirement-planning\/","title":{"rendered":"Retirement Planning Consultant"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1574\" class=\"elementor elementor-1574\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e261128 e-flex e-con-boxed e-con e-parent\" data-id=\"e261128\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca1d0be e-con-full e-flex e-con e-child\" data-id=\"ca1d0be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3042a64 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3042a64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eea83e elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4eea83e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Consultant en planification retraite<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77538d1 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"77538d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\u00c0 mesure que la retraite approche, les marges de man\u0153uvre se r\u00e9duisent. Faire appel \u00e0 un consultant en planification retraite permet de transformer cette pr\u00e9paration en une retraite choisie plut\u00f4t que subie.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8381434 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8381434\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte?uuid=6b636502-bf0f-48da-a842-1b648eefccf8\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be819c2 e-flex e-con-boxed e-con e-parent\" data-id=\"be819c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4e53512 e-con-full e-flex e-con e-child\" data-id=\"4e53512\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-997251f posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"997251f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#besoins\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vos besoins<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd43d5e posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"bd43d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#competences\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nos comp\u00e9tences<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f05bd5 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1f05bd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#information\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S'informer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9ec69 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"cf9ec69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Questions fr\u00e9quentes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5846eda posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"5846eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#conseil\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7aa7d13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7aa7d13\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ff47a39\" data-id=\"ff47a39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc7fb32 elementor-widget elementor-widget-menu-anchor\" data-id=\"dc7fb32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"besoins\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26899ba elementor-widget elementor-widget-heading\" data-id=\"26899ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi un consultant retraite en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d640bb elementor-widget elementor-widget-text-editor\" data-id=\"4d640bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La retraite n\u2019est pas une formule unique. Certains souhaitent arr\u00eater au plus t\u00f4t, d\u2019autres pr\u00e9f\u00e8rent \u00e9taler leur transition ou combiner activit\u00e9 partielle et rente. Le capital peut \u00eatre un levier de libert\u00e9 ou une source d\u2019incertitude.<\/p><p>Nous vous aidons \u00e0 d\u00e9finir une trajectoire coh\u00e9rente avec vos attentes et \u00e0 mettre en place une strat\u00e9gie sur mesure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386ad5c elementor-widget elementor-widget-heading\" data-id=\"386ad5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Une retraite align\u00e9e sur vos priorit\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9c0fa elementor-widget elementor-widget-toggle\" data-id=\"2f9c0fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4991\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4991\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Combien vais-je recevoir \u00e0 la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4991\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4991\"><p>Vos revenus \u00e0 la retraite d\u00e9pendent de <a href=\"https:\/\/invexa.ch\/prevoyance\/le-systeme-des-3-piliers-en-suisse\/\">trois piliers<\/a>: l&rsquo;<a href=\"https:\/\/invexa.ch\/prevoyance\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\/\">AVS<\/a>, votre <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">caisse de pension (LPP)<\/a> et vos avoirs priv\u00e9s (<a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-le-guide-complet\/\">3\u00e8me pilier<\/a>, \u00e9pargne, immobilier). En moyenne, ces sources couvrent <strong>entre 60% et 70%<\/strong> de votre dernier salaire.<\/p><p>Nous analysons votre situation compl\u00e8te pour \u00e9tablir une projection claire: montants attendus, lacunes \u00e9ventuelles et marge de man\u0153uvre. Vous <strong>saurez pr\u00e9cis\u00e9ment sur quoi compter<\/strong> et pourrez anticiper sereinement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4992\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4992\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelles solutions existent pour maintenir mon niveau de vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4992\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4992\"><p>Si l&rsquo;\u00e9cart entre vos revenus actuels et futurs est important, plusieurs leviers peuvent \u00eatre activ\u00e9s: <a href=\"https:\/\/invexa.ch\/prevoyance\/rachat-lpp-avec-un-3eme-pilier\/\">rachats LPP<\/a>, optimisation du 3\u00e8me pilier, valorisation d&rsquo;actifs immobiliers ou placements adapt\u00e9s \u00e0 votre profil de risque.<\/p><p>Nous identifions les solutions les plus pertinentes selon votre horizon, votre fiscalit\u00e9 et vos objectifs. L&rsquo;enjeu est de construire une <strong>strat\u00e9gie coh\u00e9rente<\/strong>, sans sur-\u00e9pargner ni prendre de risques inutiles.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4993\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4993\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je partir avant 65 ans sans compromettre mes revenus ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4993\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4993\"><p>Un <a href=\"https:\/\/invexa.ch\/prevoyance\/retraite-anticipee-en-suisse-comment-bien-se-preparer\/\">d\u00e9part anticip\u00e9<\/a> est possible <strong>d\u00e8s 58 ans<\/strong> pour la LPP (dans la majorit\u00e9 des caisses de pension) et d\u00e8s <strong>63 ans<\/strong> pour l&rsquo;AVS, mais il implique des r\u00e9ductions de rente parfois importantes. La cl\u00e9 est d&rsquo;anticiper ces impacts et de compenser par d&rsquo;autres sources de revenus.<\/p><p>Nous simulons diff\u00e9rents sc\u00e9narios de d\u00e9part pour mesurer les cons\u00e9quences financi\u00e8res r\u00e9elles. Vous pourrez d\u00e9cider en toute connaissance de cause si un d\u00e9part anticip\u00e9 est compatible avec vos attentes et votre s\u00e9curit\u00e9 financi\u00e8re.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c6d3022\" data-id=\"c6d3022\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb7971a elementor-widget elementor-widget-image\" data-id=\"bb7971a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-1024x1024.png\" class=\"attachment-large size-large wp-image-1580\" alt=\"Une retraite qui vous ressemble\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-1024x1024.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-300x300.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-150x150.png 150w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-768x768.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble-1536x1536.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/Une-retraite-qui-vous-ressemble.png 1563w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad42a51 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"ad42a51\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5ec42b\" data-id=\"e5ec42b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e129263 elementor-widget elementor-widget-menu-anchor\" data-id=\"e129263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"competences\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05e7c77 elementor-widget elementor-widget-heading\" data-id=\"05e7c77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nos comp\u00e9tences en planification retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d55bb0d elementor-widget elementor-widget-text-editor\" data-id=\"d55bb0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa vous accompagne pour \u00e9valuer vos besoins futurs, optimiser vos avoirs et d\u00e9finir une strat\u00e9gie claire et personnalis\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-12c9e3d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"12c9e3d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-e8b2661\" data-id=\"e8b2661\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e85779f elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e85779f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 317.390625 282.558594 L 285.074219 282.558594 L 285.074219 126.855469 L 317.390625 126.855469 L 317.390625 282.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 11369.411608 12436.992605 L 11163.891185 12436.992605 L 11163.891185 13427.207047 L 11369.411608 13427.207047 Z M 11369.411608 12436.992605 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 11181.405013 13427.207047 L 11500.206366 13427.207047 L 11500.206366 13134.092642 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 11266.68866 12230.304594 L 11163.891185 12436.992605 L 11369.411608 12436.992605 Z M 11266.68866 12230.304594 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path 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transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 10649.009486 12861.299245 C 10737.597161 12861.299245 10795.90206 12861.299245 10795.90206 12861.299245 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 9787.155256 12861.299245 C 9787.155256 12861.299245 10235.707989 12861.299245 10534.610653 12861.299245 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 9787.155256 12654.809972 L 10508.700124 12654.809972 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1470.356395, 2238.173997)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 9787.155256 12448.295856 L 10508.700124 12448.295856 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBilan complet de votre situation de pr\u00e9voyance\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous analysons vos prestations projet\u00e9es des 1er, 2e et 3e piliers, ainsi que vos \u00e9ventuels avoirs de libre passage. Vous obtenez une vue claire de vos revenus futurs et de vos \u00e9carts \u00e0 combler.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-b2d8584\" data-id=\"b2d8584\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c873fc2 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c873fc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 287.082031 75.003906 L 272.867188 75.003906 L 272.867188 62.417969 C 272.867188 60.613281 271.386719 59.121094 269.59375 59.121094 L 195.550781 59.121094 C 193.742188 59.121094 192.277344 60.613281 192.277344 62.417969 L 192.277344 75.003906 L 52.964844 75.003906 C 51.15625 75.003906 49.675781 76.46875 49.675781 78.277344 L 49.675781 248.417969 C 49.675781 250.214844 51.15625 251.691406 52.964844 251.691406 L 287.082031 251.691406 C 288.90625 251.691406 290.367188 250.214844 290.367188 248.417969 L 290.367188 78.277344 C 290.367188 76.46875 288.90625 75.003906 287.082031 75.003906 \" fill-opacity=\"1\" 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266.230469 214.660156 C 288.542969 214.660156 306.625 232.738281 306.625 255.058594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2718.455433, 1417.457019)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 18846.309541 7392.425215 L 19116.792602 7392.425215 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2718.455433, 1417.457019)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 18981.501387 7527.691588 L 18981.501387 7257.183684 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSc\u00e9narios de retraite sur-mesure\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous mod\u00e9lisons plusieurs options: retraite ordinaire, anticip\u00e9e ou diff\u00e9r\u00e9e; rente, capital ou combinaison des deux. Vous visualisez l\u2019impact financier de chaque d\u00e9cision.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-03cbe5b\" data-id=\"03cbe5b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22c856f elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"22c856f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15641.408966 11121.004649 C 15641.408966 11218.088393 15641.408966 11326.5996 15641.408966 11326.5996 C 15641.408966 11343.094893 15654.79897 11356.50974 15671.294264 11356.50974 L 16095.402165 11356.50974 C 16111.996827 11356.50974 16125.312305 11343.094893 16125.312305 11326.5996 C 16125.312305 11326.5996 16125.312305 11213.492566 16125.312305 11114.992811 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 282.597656 192.957031 L 94.269531 192.957031 L 94.269531 60.886719 L 282.597656 60.886719 L 282.597656 192.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 210.519531 137.9375 L 168.332031 137.9375 L 168.332031 110.183594 L 210.519531 110.183594 L 210.519531 137.9375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 16023.80663 10708.994953 L 15755.509692 10708.994953 L 15755.509692 10885.499559 L 16023.80663 10885.499559 Z M 16023.80663 10708.994953 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15401.904264 9460.817973 C 15401.904264 9460.817973 15463.488348 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stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRecommandations concr\u00e8tes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous identifions les leviers \u00e0 activer (rachats LPP,  versements \u00e9chelonn\u00e9s, choix du r\u00e9gime matrimonial, etc.) pour maximiser vos revenus et r\u00e9duire votre imposition \u00e0 la retraite.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-0747cc2\" data-id=\"0747cc2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66aa87e elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"66aa87e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 294.707031 301.695312 L 34.53125 301.695312 L 34.53125 55.746094 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stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20517.294011 10079.10432 L 20440.407064 10168.61116 L 20363.296537 10079.10432 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20678.893232 10117.609899 L 20678.893232 9931.690058 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20755.90439 10079.10432 L 20678.893232 10168.61116 L 20601.906916 10079.10432 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20368.190471 9842.431641 L 20742.092066 9842.431641 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPlan d\u2019action personnalis\u00e9\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tVous repartez avec un plan structur\u00e9, compr\u00e9hensible, et un accompagnement sur les d\u00e9marches \u00e0 engager (retraits, assurances, succession, fiscalit\u00e9).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5730310 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5730310\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1caf8c\" data-id=\"b1caf8c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfed697 elementor-widget elementor-widget-menu-anchor\" data-id=\"cfed697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"information\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ef30bc elementor-widget elementor-widget-heading\" data-id=\"0ef30bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tout savoir sur la retraite en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8181c32 elementor-widget elementor-widget-text-editor\" data-id=\"8181c32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez nos articles sp\u00e9cialis\u00e9s afin de pr\u00e9parer votre retraite dans les meilleures conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c6f21a posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"8c6f21a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/fr\/tag\/retraite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus sur la retraite<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0c4899 elementor-grid-4 posts-slider elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"a0c4899\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-628 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1106\" alt=\"3\u00e8me pilier le guide complet\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\">\n\t\t\t\t3\u00e8me pilier\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\" aria-label=\"Read more about 3\u00e8me pilier\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1912 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-1er-pilier tag-avs tag-montants tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/ahv-pension-calculation-amounts-conditions\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1921\" alt=\"Rente AVS 2025 calcul, montants et conditions\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Rente-AVS-2025-calcul-montants-et-conditions.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/ahv-pension-calculation-amounts-conditions\/\">\n\t\t\t\tRente AVS 2026: calcul, montants et conditions\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/ahv-pension-calculation-amounts-conditions\/\" aria-label=\"Read more about Rente AVS 2026: calcul, montants et conditions\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6542 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-1er-pilier tag-ai tag-avs tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/scale-44-monthly-pensions-for-2025\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-6548\" alt=\"Echelle 44: rentes mensuelles AVS pour 2025\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/elementor\/thumbs\/Echelle-44-rentes-mensuelles-AVS-pour-2025-rflphk6sf6x0hvafg6eopvc6dwkkxfxlllwkqd0xhk.png 1100w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/12\/Echelle-44-rentes-mensuelles-AVS-pour-2025.png 1700w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/scale-44-monthly-pensions-for-2025\/\">\n\t\t\t\tEchelle 44: rentes mensuelles AVS pour 2026\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/scale-44-monthly-pensions-for-2025\/\" aria-label=\"Read more about Echelle 44: rentes mensuelles AVS pour 2026\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5834 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/retirement-income-plan-how-does-it-work\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-5839\" alt=\"Plan de revenus pour la retraite: comment \u00e7a marche ?\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Plan-de-revenus-pour-la-retraite-comment-ca-marche.png 1700w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/retirement-income-plan-how-does-it-work\/\">\n\t\t\t\tPlan de revenus pour la retraite: comment \u00e7a marche ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/retirement-income-plan-how-does-it-work\/\" aria-label=\"Read more about Plan de revenus pour la retraite: comment \u00e7a marche ?\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ab2c54 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6ab2c54\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-630d4e9\" data-id=\"630d4e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d18a58a elementor-widget elementor-widget-heading\" data-id=\"d18a58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir Invexa ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe59b9f elementor-widget elementor-widget-text-editor\" data-id=\"fe59b9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa vous accompagne avec rigueur, \u00e9thique et objectivit\u00e9 pour optimiser votre retraite et vos finances personnelles, sans conflit d\u2019int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d55f32c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d55f32c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f037b19\" data-id=\"f037b19\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75ee159 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"75ee159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15641.408966 11121.004649 C 15641.408966 11218.088393 15641.408966 11326.5996 15641.408966 11326.5996 C 15641.408966 11343.094893 15654.79897 11356.50974 15671.294264 11356.50974 L 16095.402165 11356.50974 C 16111.996827 11356.50974 16125.312305 11343.094893 16125.312305 11326.5996 C 16125.312305 11326.5996 16125.312305 11213.492566 16125.312305 11114.992811 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 282.597656 192.957031 L 94.269531 192.957031 L 94.269531 60.886719 L 282.597656 60.886719 L 282.597656 192.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 210.519531 137.9375 L 168.332031 137.9375 L 168.332031 110.183594 L 210.519531 110.183594 L 210.519531 137.9375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 16023.80663 10708.994953 L 15755.509692 10708.994953 L 15755.509692 10885.499559 L 16023.80663 10885.499559 Z M 16023.80663 10708.994953 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15401.904264 9460.817973 C 15401.904264 9460.817973 15463.488348 9781.06018 15845.389166 9762.527818 C 16227.190615 9744.069982 16452.709097 9808.908409 16738.296283 10073.603212 C 16904.5907 10227.600687 16758.095603 10377.300441 16568.200992 10236.295495 C 16307.207692 10042.69938 16060.896198 10045.705299 15851.500374 10058.200981 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15463.090871 9946.832909 C 15552.895818 9959.850279 15666.996544 9966.905495 15768.40285 9944.224466 C 15974.594016 9898.042614 16011.609056 10172.003599 15799.107944 10190.511119 C 15586.606832 10208.993797 15254.887478 10313.306653 15100.194419 10070.398554 C 15001.595294 9915.780023 14896.909804 9630.068625 14896.909804 9460.817973 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConseil ind\u00e9pendant\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInvexa n'est li\u00e9 \u00e0 aucune banque ou assurance. Nous nous pla\u00e7ons de votre c\u00f4t\u00e9 afin de d\u00e9fendre au mieux vos int\u00e9r\u00eats.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3dc7f59\" data-id=\"3dc7f59\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f848645 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f848645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 294.707031 301.695312 L 34.53125 301.695312 L 34.53125 55.746094 L 294.707031 55.746094 L 294.707031 301.695312 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 286.199219 153.300781 L 232.894531 153.300781 C 232.894531 153.300781 218.347656 178.710938 183.316406 184.371094 L 183.316406 262.851562 C 183.316406 262.851562 245.488281 323.539062 259.546875 323.539062 C 273.621094 323.539062 335.777344 262.851562 335.777344 262.851562 L 335.777344 184.371094 C 296.796875 176.746094 286.199219 153.300781 286.199219 153.300781 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path 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313.101562 200.441406 C 285.710938 195.078125 278.273438 178.601562 278.273438 178.601562 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 21447.911753 10067.502962 L 21559.503405 9975.238626 L 21788.797918 10277.196893 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 198.566406 121.472656 L 164.617188 104.351562 L 130.6875 121.472656 L 130.6875 57.414062 L 198.566406 57.414062 L 198.566406 121.472656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 21230.591232 10842.210372 L 21014.686724 10951.094212 L 20798.906427 10842.210372 L 20798.906427 11249.599399 L 21230.591232 11249.599399 Z M 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stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20755.90439 10079.10432 L 20678.893232 10168.61116 L 20601.906916 10079.10432 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20368.190471 9842.431641 L 20742.092066 9842.431641 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tApproche orient\u00e9e r\u00e9sultats\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous vous aidons \u00e0 prendre des d\u00e9cisions concr\u00e8tes, r\u00e9alistes et coh\u00e9rentes avec votre cadre fiscal, professionnel et familial.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f04218b\" data-id=\"f04218b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-278734d elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"278734d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 236.121094 46.660156 L 144.035156 46.660156 C 144.035156 46.660156 118.886719 90.566406 58.34375 100.375 L 58.34375 235.945312 C 58.34375 235.945312 165.777344 340.8125 190.082031 340.8125 C 214.375 340.8125 321.8125 235.945312 321.8125 235.945312 L 321.8125 100.375 C 254.453125 87.160156 236.121094 46.660156 236.121094 46.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2920.163573 13995.999957 L 2330.586252 13995.999957 C 2330.586252 13995.999957 2169.574171 13714.891572 1781.949717 13652.092358 L 1781.949717 12784.107693 C 1781.949717 12784.107693 2469.789924 12112.698821 2625.399922 12112.698821 C 2780.934891 12112.698821 3468.800108 12784.107693 3468.800108 12784.107693 L 3468.800108 13652.092358 C 3037.533827 13736.69998 2920.163573 13995.999957 2920.163573 13995.999957 Z M 2920.163573 13995.999957 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 279.285156 184.574219 C 279.285156 233.839844 239.339844 273.792969 190.082031 273.792969 C 140.8125 273.792969 100.875 233.839844 100.875 184.574219 C 100.875 135.28125 140.8125 95.359375 190.082031 95.359375 C 239.339844 95.359375 279.285156 135.28125 279.285156 184.574219 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2357.371579 12995.78931 L 2551.471418 12835.302432 L 2950.47526 13360.604971 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConseil expert\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNos conseillers sont sp\u00e9cialistes dans leur domaine et porteurs de qualifications reconnues en Suisse.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-0e02acf\" data-id=\"0e02acf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6ec645 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d6ec645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 17837.503718 1509.194186 C 17837.503718 1509.194186 18114.892942 1710.392048 18539.497689 1685.9969 C 18718.089049 1675.712184 18996.099331 1749.990689 19150.593651 1915.291414 C 19272.892339 2046.111013 19131.291177 2166.596213 18989.193169 2069.611838 C 18734.807923 1895.88957 18607.192981 1912.807183 18373.501379 1965.398351 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 17994.904589 1887.691608 C 18079.989497 1900.08792 18187.507011 1903.590686 18284.292647 1885.306746 C 18496.992498 1845.11189 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-0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 19004.297293 3055.404348 C 18919.113015 3042.908667 18811.69487 3039.60464 18714.909234 3057.78921 C 18502.209383 3097.909539 18476.100116 2887.097704 18675.310593 2852.09489 C 18848.213064 2821.687904 19069.806462 2752.700812 19256.993261 2965.996878 C 19289.710582 3003.310026 19403.811308 3119.696244 19403.811308 3119.696244 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 256.425781 193.957031 C 262.496094 187.730469 266.207031 179.253906 266.207031 169.882812 C 266.207031 150.792969 250.734375 135.304688 231.644531 135.304688 C 220.917969 135.304688 211.34375 140.210938 205.023438 147.867188 C 198.667969 140.210938 189.09375 135.304688 178.371094 135.304688 C 159.28125 135.304688 143.824219 150.792969 143.824219 169.882812 C 143.824219 179.253906 147.769531 188.136719 153.636719 193.988281 C 154.894531 195.246094 158.085938 198.109375 159.5 199.175781 L 206.011719 240.1875 L 252.132812 197.886719 C 253.15625 197.070312 256.441406 193.957031 256.441406 193.957031 L 256.425781 193.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAccompagnement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNotre \u00e9quipe est \u00e0 votre disposition pour vous conseiller et vous accompagner en tout temps, pour les situations simples ou complexes. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b23d196 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"b23d196\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4198894\" data-id=\"4198894\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d68c761 elementor-widget elementor-widget-menu-anchor\" data-id=\"d68c761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"faq\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f4c49 elementor-widget elementor-widget-heading\" data-id=\"40f4c49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur la planification retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6aade elementor-widget elementor-widget-text-editor\" data-id=\"5e6aade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Voici les r\u00e9ponses aux questions les plus fr\u00e9quentes sur l&rsquo;assurance maladie en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d11fb2a\" data-id=\"d11fb2a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e565ec elementor-widget elementor-widget-toggle\" data-id=\"5e565ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9891\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9891\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">\u00c0 partir de quel \u00e2ge faut-il commencer \u00e0 planifier sa retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9891\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9891\"><p>D\u00e8s 50 ans, certaines d\u00e9cisions ont des effets durables sur le niveau de vie \u00e0 la retraite. Cela dit, il n\u2019est jamais trop t\u00f4t pour structurer sa pr\u00e9voyance. Plus l\u2019anticipation est grande, plus les leviers d\u2019optimisation (fiscaux, financiers ou successoraux) sont efficaces.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9892\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9892\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Que contient une planification retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9892\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9892\"><p>Elle comprend une <strong>analyse<\/strong> de votre situation actuelle (AVS, LPP, 3e pilier, fortune priv\u00e9e), des <strong>projections de revenus<\/strong> \u00e0 la retraite, des <strong>simulations<\/strong> selon diff\u00e9rents sc\u00e9narios (\u00e2ge de d\u00e9part, rente ou capital) et des recommandations concr\u00e8tes sur les d\u00e9marches \u00e0 entreprendre. Un plan d\u2019action est \u00e9tabli pour chaque \u00e9tape.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9893\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9893\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment se d\u00e9roule un accompagnement en planification retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9893\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9893\"><p>Apr\u00e8s un premier \u00e9change (gratuit), nous recueillons les documents n\u00e9cessaires (certificats de pr\u00e9voyance, relev\u00e9s, situation fiscale). Nous r\u00e9alisons ensuite les analyses et projections, que nous vous restituons lors d\u2019un entretien d\u00e9taill\u00e9. Vous repartez avec un plan structur\u00e9 et des recommandations concr\u00e8tes. Si besoin, nous vous accompagnons dans la mise en \u0153uvre.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9894\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9894\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peut-on vous consulter pour une question pr\u00e9cise (rente ou capital, rachat, retraite anticip\u00e9e) ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9894\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9894\"><p>Oui. L\u2019accompagnement peut \u00eatre ponctuel (pour une d\u00e9cision sp\u00e9cifique) ou global (planification compl\u00e8te). Nous adaptons la mission \u00e0 vos besoins, qu\u2019il s\u2019agisse de valider une option ou de construire un plan retraite complet.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9895\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-9895\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les instruments utiles \u00e0 la pr\u00e9paration d'une retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9895\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-9895\"><p>Les principaux instruments utiles \u00e0 la pr\u00e9paration de la retraite sont l\u2019<a href=\"http:\/\/invexa.ch\/prevoyance\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\/\"><strong>AVS<\/strong><\/a>, la caisse de pension et le 3e pilier. En les combinant de mani\u00e8re coh\u00e9rente, on peut assurer un revenu stable et fiscalement optimis\u00e9 une fois l\u2019activit\u00e9 termin\u00e9e.\u00a0<\/p><p>Le placement de la fortune en titres, obligations ou ETF permet en compl\u00e9ment de faire fructifier son capital de mani\u00e8re autonome, avec une strat\u00e9gie adapt\u00e9e \u00e0 son horizon de retraite. \u00c0 cela s\u2019ajoutent les rachats LPP, la planification successorale, la gestion de l\u2019immobilier et la coordination avec la situation du conjoint.\u00a0<\/p><p>Une bonne pr\u00e9paration repose sur une vision <strong>globale<\/strong>, structur\u00e9e et suffisamment <strong>anticip\u00e9e<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9896\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-9896\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Est-ce que je peux prendre ma retraite avant l\u2019\u00e2ge l\u00e9gal ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9896\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-9896\"><p>Oui, c\u2019est possible, mais cela entra\u00eene g\u00e9n\u00e9ralement une r\u00e9duction des prestations AVS et LPP. Pour l\u2019AVS, la rente peut \u00eatre anticip\u00e9e de jusqu&rsquo;\u00e0 2 ans en avance avec une p\u00e9nalit\u00e9 <strong>permanente<\/strong>. Pour la caisse de pension, certaines caisses permettent un d\u00e9part d\u00e8s 58 ans, parfois plus t\u00f4t pour les cadres. Le 3\u00e8me pilier peut \u00eatre retir\u00e9 au plus t\u00f4t 5 ans avant l&rsquo;\u00e2ge ordinaire de la retraite.<\/p><p>Dans tous les cas, une planification pr\u00e9cise permet de mesurer l\u2019impact et de le compenser en partie par des rachats ou une \u00e9pargne compl\u00e9mentaire.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9897\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-9897\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">J\u2019ai plusieurs comptes de libre passage, que dois-je en faire avant la retraite ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9897\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-9897\"><p>Il est souvent conseill\u00e9 de les <strong>consolider<\/strong> ou d\u2019organiser leur <strong>retrait \u00e9chelonn\u00e9<\/strong> sur plusieurs ann\u00e9es. Cela permet d\u2019optimiser la fiscalit\u00e9 (car l\u2019imp\u00f4t sur les prestations en capital est progressif) et de simplifier votre gestion. Une analyse personnalis\u00e9e permet de d\u00e9terminer le calendrier le plus favorable.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"\\u00c0 partir de quel \\u00e2ge faut-il commencer \\u00e0 planifier sa retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>D\\u00e8s 50 ans, certaines d\\u00e9cisions ont des effets durables sur le niveau de vie \\u00e0 la retraite. Cela dit, il n\\u2019est jamais trop t\\u00f4t pour structurer sa pr\\u00e9voyance. Plus l\\u2019anticipation est grande, plus les leviers d\\u2019optimisation (fiscaux, financiers ou successoraux) sont efficaces.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Que contient une planification retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Elle comprend une <strong>analyse<\\\/strong> de votre situation actuelle (AVS, LPP, 3e pilier, fortune priv\\u00e9e), des <strong>projections de revenus<\\\/strong> \\u00e0 la retraite, des <strong>simulations<\\\/strong> selon diff\\u00e9rents sc\\u00e9narios (\\u00e2ge de d\\u00e9part, rente ou capital) et des recommandations concr\\u00e8tes sur les d\\u00e9marches \\u00e0 entreprendre. Un plan d\\u2019action est \\u00e9tabli pour chaque \\u00e9tape.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment se d\\u00e9roule un accompagnement en planification retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Apr\\u00e8s un premier \\u00e9change (gratuit), nous recueillons les documents n\\u00e9cessaires (certificats de pr\\u00e9voyance, relev\\u00e9s, situation fiscale). Nous r\\u00e9alisons ensuite les analyses et projections, que nous vous restituons lors d\\u2019un entretien d\\u00e9taill\\u00e9. Vous repartez avec un plan structur\\u00e9 et des recommandations concr\\u00e8tes. Si besoin, nous vous accompagnons dans la mise en \\u0153uvre.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on vous consulter pour une question pr\\u00e9cise (rente ou capital, rachat, retraite anticip\\u00e9e) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui. L\\u2019accompagnement peut \\u00eatre ponctuel (pour une d\\u00e9cision sp\\u00e9cifique) ou global (planification compl\\u00e8te). Nous adaptons la mission \\u00e0 vos besoins, qu\\u2019il s\\u2019agisse de valider une option ou de construire un plan retraite complet.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les instruments utiles \\u00e0 la pr\\u00e9paration d'une retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les principaux instruments utiles \\u00e0 la pr\\u00e9paration de la retraite sont l\\u2019<a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/1er-pilier-suisse-tout-savoir-sur-lavs-ai-et-prestations-complementaires\\\/\\\"><strong>AVS<\\\/strong><\\\/a>, la caisse de pension et le 3e pilier. En les combinant de mani\\u00e8re coh\\u00e9rente, on peut assurer un revenu stable et fiscalement optimis\\u00e9 une fois l\\u2019activit\\u00e9 termin\\u00e9e.\\u00a0<\\\/p><p>Le placement de la fortune en titres, obligations ou ETF permet en compl\\u00e9ment de faire fructifier son capital de mani\\u00e8re autonome, avec une strat\\u00e9gie adapt\\u00e9e \\u00e0 son horizon de retraite. \\u00c0 cela s\\u2019ajoutent les rachats LPP, la planification successorale, la gestion de l\\u2019immobilier et la coordination avec la situation du conjoint.\\u00a0<\\\/p><p>Une bonne pr\\u00e9paration repose sur une vision <strong>globale<\\\/strong>, structur\\u00e9e et suffisamment <strong>anticip\\u00e9e<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Est-ce que je peux prendre ma retraite avant l\\u2019\\u00e2ge l\\u00e9gal ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, c\\u2019est possible, mais cela entra\\u00eene g\\u00e9n\\u00e9ralement une r\\u00e9duction des prestations AVS et LPP. Pour l\\u2019AVS, la rente peut \\u00eatre anticip\\u00e9e de jusqu&rsquo;\\u00e0 2 ans en avance avec une p\\u00e9nalit\\u00e9 <strong>permanente<\\\/strong>. Pour la caisse de pension, certaines caisses permettent un d\\u00e9part d\\u00e8s 58 ans, parfois plus t\\u00f4t pour les cadres. Le 3\\u00e8me pilier peut \\u00eatre retir\\u00e9 au plus t\\u00f4t 5 ans avant l&rsquo;\\u00e2ge ordinaire de la retraite.<\\\/p><p>Dans tous les cas, une planification pr\\u00e9cise permet de mesurer l\\u2019impact et de le compenser en partie par des rachats ou une \\u00e9pargne compl\\u00e9mentaire.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"J\\u2019ai plusieurs comptes de libre passage, que dois-je en faire avant la retraite ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Il est souvent conseill\\u00e9 de les <strong>consolider<\\\/strong> ou d\\u2019organiser leur <strong>retrait \\u00e9chelonn\\u00e9<\\\/strong> sur plusieurs ann\\u00e9es. Cela permet d\\u2019optimiser la fiscalit\\u00e9 (car l\\u2019imp\\u00f4t sur les prestations en capital est progressif) et de simplifier votre gestion. Une analyse personnalis\\u00e9e permet de d\\u00e9terminer le calendrier le plus favorable.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-4baf5cd e-flex e-con-boxed e-con e-parent\" data-id=\"4baf5cd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9d44010 e-con-full e-flex e-con e-child\" data-id=\"9d44010\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99aaa96 elementor-widget elementor-widget-heading\" data-id=\"99aaa96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">En savoir plus sur nos services de conseil retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29d2b49 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"29d2b49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/02\/Planification-retraite_FR.pdf\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-download\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm76.45 211.36l-96.42 95.7c-6.65 6.61-17.39 6.61-24.04 0l-96.42-95.7C73.42 337.29 80.54 320 94.82 320H160v-80c0-8.84 7.16-16 16-16h32c8.84 0 16 7.16 16 16v80h65.18c14.28 0 21.4 17.29 11.27 27.36zM377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Brochure - Planifiez votre retraite avec des solutions sur-mesure<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ef1c08 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5ef1c08\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b44f471\" data-id=\"b44f471\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2ce4b6e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2ce4b6e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-22f1e77\" data-id=\"22f1e77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db546b0 elementor-widget elementor-widget-menu-anchor\" data-id=\"db546b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"conseil\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d8f830 elementor-widget elementor-widget-heading\" data-id=\"8d8f830\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites-vous conseiller<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a57130b elementor-widget elementor-widget-text-editor\" data-id=\"a57130b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prenez rendez-vous gratuitement avec un de nos expert en pr\u00e9voyance pour un conseil personnalis\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d58ab6 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"9d58ab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51e8317\" data-id=\"51e8317\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e528c1f elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"e528c1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-493\" alt=\"Se faire conseiller\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>As retirement approaches, the margins for manoeuvre shrink. Calling on the services of a retirement planning consultant can help transform this preparation into a retirement that is chosen rather than undergone.<\/p>","protected":false},"author":1,"featured_media":1576,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-1574","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=1574"}],"version-history":[{"count":42,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1574\/revisions"}],"predecessor-version":[{"id":7797,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1574\/revisions\/7797"}],"up":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/1576"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=1574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}