{"id":5709,"date":"2025-11-06T08:50:38","date_gmt":"2025-11-06T08:50:38","guid":{"rendered":"https:\/\/invexa.ch\/?page_id=5709"},"modified":"2026-02-09T06:45:33","modified_gmt":"2026-02-09T06:45:33","slug":"prevoyance-independant","status":"publish","type":"page","link":"https:\/\/invexa.ch\/fr\/services\/prevoyance-independant\/","title":{"rendered":"Pr\u00e9voyance pour ind\u00e9pendant"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5709\" class=\"elementor elementor-5709\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa11346 e-flex e-con-boxed e-con e-parent\" data-id=\"fa11346\" 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-901cee8 e-con-full e-flex e-con e-child\" data-id=\"901cee8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4370f6a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4370f6a\" 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-f4fb902 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f4fb902\" 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\">Pr\u00e9voyance pour ind\u00e9pendant<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eab0b2 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"7eab0b2\" 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\tQuand on est ind\u00e9pendant, on a la libert\u00e9. Mais cette libert\u00e9 s\u2019accompagne d\u2019une r\u00e9alit\u00e9 : personne ne s\u2019occupe de votre pr\u00e9voyance \u00e0 votre place. Pas de LPP, pas de couverture automatique en cas d\u2019incapacit\u00e9 de gain ou de d\u00e9c\u00e8s. Et si vous ne planifiez pas, tout repose sur vous et vos proches.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7718f80 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"7718f80\" 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\">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-08ead10 e-flex e-con-boxed e-con e-parent\" data-id=\"08ead10\" 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-93f45ac e-con-full e-flex e-con e-child\" data-id=\"93f45ac\" 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-1158494 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1158494\" 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-56fc97c posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"56fc97c\" 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-34a0d2a posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"34a0d2a\" 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-be61c81 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"be61c81\" 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-83a669a posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"83a669a\" 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-09720e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09720e9\" 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-23650b3\" data-id=\"23650b3\" 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-8998f0c elementor-widget elementor-widget-menu-anchor\" data-id=\"8998f0c\" 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-c5072a0 elementor-widget elementor-widget-heading\" data-id=\"c5072a0\" 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\">Solutions de pr\u00e9voyance pour ind\u00e9pendants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d319c54 elementor-widget elementor-widget-text-editor\" data-id=\"d319c54\" 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>En tant qu&rsquo;<strong>ind\u00e9pendant<\/strong>, vous devez <strong>construire vous-m\u00eame<\/strong> votre protection sociale et votre pr\u00e9voyance vieillesse. Contrairement aux salari\u00e9s, vous n&rsquo;avez pas acc\u00e8s automatiquement au <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">2\u00e8me pilier (LPP)<\/a>, et votre couverture en cas d&rsquo;<a href=\"https:\/\/invexa.ch\/services\/assurance-perte-de-gain\/\">incapacit\u00e9 de gain<\/a> ou de <strong>d\u00e9c\u00e8s<\/strong> n&rsquo;est pas garantie. C&rsquo;est pourquoi il est essentiel de mettre en place une strat\u00e9gie de pr\u00e9voyance adapt\u00e9e \u00e0 votre situation.<\/p><p>Le syst\u00e8me suisse de pr\u00e9voyance repose sur <a href=\"https:\/\/invexa.ch\/prevoyance\/le-systeme-des-3-piliers-en-suisse\/\">trois piliers<\/a>, mais leur fonctionnement diff\u00e8re sensiblement pour les ind\u00e9pendants. Voici ce que vous devez savoir:<\/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-d7a892d elementor-widget elementor-widget-toggle\" data-id=\"d7a892d\" 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-2261\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2261\" 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\">Le pilier 3a: votre socle fiscalement avantageux<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2261\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2261\"><p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\">pilier 3a<\/a> repr\u00e9sente la pierre angulaire de votre pr\u00e9voyance en tant qu&rsquo;ind\u00e9pendant. Vous pouvez cotiser jusqu&rsquo;\u00e0 <strong>20% de votre revenu net<\/strong>, avec un plafond de <strong>CHF 36&rsquo;288 (2025)<\/strong>, soit bien plus que les salari\u00e9s. Ces <a href=\"https:\/\/invexa.ch\/fr\/prevoyance\/montant-maximum-3eme-pilier-a\/\">montants<\/a> sont <strong>enti\u00e8rement d\u00e9ductibles<\/strong> de votre revenu imposable, ce qui constitue un avantage fiscal consid\u00e9rable.<\/p><p>Vous avez le choix entre des <strong>solutions bancaires<\/strong> (comptes ou fonds de placement 3a) et des <strong>solutions d&rsquo;assurance<\/strong> (avec couverture d\u00e9c\u00e8s et invalidit\u00e9 int\u00e9gr\u00e9e). Le <a href=\"https:\/\/invexa.ch\/prevoyance\/conditions-retrait-3eme-pilier-a\/\">retrait du capital<\/a> est bloqu\u00e9 <strong>jusqu&rsquo;\u00e0 5 ans<\/strong> avant l&rsquo;\u00e2ge AVS, sauf exceptions (achat immobilier, d\u00e9part d\u00e9finitif de Suisse, d\u00e9but d&rsquo;activit\u00e9 ind\u00e9pendante).<\/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-2262\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2262\" 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\">Le pilier 3b: la flexibilit\u00e9 et la libert\u00e9<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2262\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2262\"><p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\">pilier 3b<\/a> compl\u00e8te votre strat\u00e9gie de pr\u00e9voyance sans les contraintes du 3a. Il n&rsquo;y a <strong>pas de limite<\/strong> de cotisation, pas de blocage des fonds, et vous choisissez librement comment et quand utiliser votre \u00e9pargne.<\/p><p>En assurance, le 3b permet de couvrir des besoins tels que: protection de vos proches en cas de d\u00e9c\u00e8s, <a href=\"https:\/\/invexa.ch\/prevoyance\/assurance-perte-de-gain-ce-que-vous-devez-savoir\/\">rente en cas d&rsquo;incapacit\u00e9 de gain<\/a>, ou constitution d&rsquo;un <strong>capital libre<\/strong>. Les primes ne sont <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-et-deduction-dimpot\/\">pas d\u00e9ductibles du revenu<\/a> (sauf \u00e0 Gen\u00e8ve et Fribourg), mais le capital-d\u00e9c\u00e8s est vers\u00e9 hors succession et les prestations sont souvent fiscalement avantageuses.\u00a0<\/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-2263\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2263\" 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\">Le 2\u00e8me pilier: une possibilit\u00e9 restrainte<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2263\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2263\"><p>En tant qu&rsquo;<a href=\"https:\/\/invexa.ch\/prevoyance\/prevoyance-independants-comment-optimiser-votre-couverture\/\">ind\u00e9pendant<\/a>, vous n&rsquo;\u00eates pas obligatoirement affili\u00e9 \u00e0 une caisse de pension. Toutefois, vous pouvez choisir de vous <a href=\"https:\/\/invexa.ch\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\">affilier volontairement<\/a> \u00e0 une institution de pr\u00e9voyance ou \u00e0 la Fondation institution suppl\u00e9tive LPP. Cette option vous permet de b\u00e9n\u00e9ficier des avantages du 2\u00e8me pilier: d\u00e9ductions fiscales, capital retraite suppl\u00e9mentaire, et couverture d\u00e9c\u00e8s\/invalidit\u00e9.<\/p><p>L&rsquo;affiliation volontaire peut \u00eatre particuli\u00e8rement int\u00e9ressante si vous souhaitez maximiser votre pr\u00e9voyance vieillesse tout en b\u00e9n\u00e9ficiant d&rsquo;avantages fiscaux suppl\u00e9mentaires. Cependant les choix de caisse de pension sont <strong>limit\u00e9s<\/strong>, et les rendements de la Fondation suppl\u00e9tive LPP sont souvent inf\u00e9rieurs au march\u00e9.<\/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-4e49008\" data-id=\"4e49008\" 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-10ac4d2 elementor-widget elementor-widget-image\" data-id=\"10ac4d2\" 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\/11\/Solutions-de-prevoyance-pour-independants.png\" class=\"attachment-large size-large wp-image-5717\" alt=\"Solutions de pr\u00e9voyance pour ind\u00e9pendants\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Solutions-de-prevoyance-pour-independants.png 1375w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/11\/Solutions-de-prevoyance-pour-independants-300x300.png 300w\" 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-70d47d9 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"70d47d9\" 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-0a30874\" data-id=\"0a30874\" 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-c5152e6 elementor-widget elementor-widget-menu-anchor\" data-id=\"c5152e6\" 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-ce4c48f elementor-widget elementor-widget-heading\" data-id=\"ce4c48f\" 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 pr\u00e9voyance pour ind\u00e9pendants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-296b1e1 elementor-widget elementor-widget-text-editor\" data-id=\"296b1e1\" 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 tout ce qu&rsquo;il y a \u00e0 savoir sur la pr\u00e9voyance des ind\u00e9pendants en Suisse.<\/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-da99b59 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"da99b59\" 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\/independant\/\">\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\">Voir plus d'articles<\/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-6da12eb elementor-grid-4 posts-slider elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"6da12eb\" 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-2034 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-2eme-pilier tag-independant tag-lpp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\" 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\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-2040\" alt=\"2e pilier pour ind\u00e9pendant: bonne ou mauvaise id\u00e9e ?\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee.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\/fr\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\">\n\t\t\t\t2e pilier pour ind\u00e9pendant: bonne ou mauvaise id\u00e9e ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/2e-pilier-pour-independant-bonne-ou-mauvaise-idee\/\" aria-label=\"En savoir plus sur 2e pilier pour ind\u00e9pendant: bonne ou mauvaise id\u00e9e ?\" 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-5243 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-2eme-pilier tag-independant tag-libre-passage tag-lpp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/recherche-avoirs-lpp-comment-s-y-prendre\/\" 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\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-5246\" alt=\"Recherche des avoirs LPP: comment s&#039;y prendre ?\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Recherche-des-avoirs-LPP-comment-sy-prendre.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\/fr\/prevoyance\/recherche-avoirs-lpp-comment-s-y-prendre\/\">\n\t\t\t\tRecherche des avoirs LPP: comment s&rsquo;y prendre ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/recherche-avoirs-lpp-comment-s-y-prendre\/\" aria-label=\"En savoir plus sur Recherche des avoirs LPP: comment s&rsquo;y prendre ?\" 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-2497 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-2e-pilier tag-2eme-pilier tag-independant tag-libre-passage tag-lpp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/retrait-compte-libre-passage\/\" 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\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-2499\" alt=\"Comment effectuer un retrait sur son compte de libre passage\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/07\/Comment-effectuer-un-retrait-sur-son-compte-de-libre-passage.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\/fr\/prevoyance\/retrait-compte-libre-passage\/\">\n\t\t\t\tComment effectuer un retrait sur son compte de libre passage ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/fr\/prevoyance\/retrait-compte-libre-passage\/\" aria-label=\"En savoir plus sur Comment effectuer un retrait sur son compte de libre passage ?\" 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-1816 post type-post status-publish format-standard has-post-thumbnail hentry category-assurances tag-independant\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/fr\/assurances\/quelles-assurances-pour-mon-entreprise\/\" 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\/05\/Quelles-assurances-pour-mon-entreprise-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1818\" alt=\"Quelles assurances pour mon entreprise\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Quelles-assurances-pour-mon-entreprise-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Quelles-assurances-pour-mon-entreprise-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Quelles-assurances-pour-mon-entreprise-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Quelles-assurances-pour-mon-entreprise-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/05\/Quelles-assurances-pour-mon-entreprise.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\/fr\/assurances\/quelles-assurances-pour-mon-entreprise\/\">\n\t\t\t\tQuelles assurances pour mon entreprise ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/fr\/assurances\/quelles-assurances-pour-mon-entreprise\/\" aria-label=\"En savoir plus sur Quelles assurances pour mon entreprise ?\" 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-dda1e22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dda1e22\" 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-36fb086\" data-id=\"36fb086\" 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<div class=\"elementor-element elementor-element-31988b8 e-flex e-con-boxed e-con e-parent\" data-id=\"31988b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58083b4 elementor-widget elementor-widget-menu-anchor\" data-id=\"58083b4\" 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-40b3801 elementor-widget elementor-widget-heading\" data-id=\"40b3801\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5a7ce3 elementor-widget elementor-widget-text-editor\" data-id=\"c5a7ce3\" 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>Nous offrons un accompagnement complet pour s\u00e9curiser votre avenir financier et optimiser vos avoirs. Que vous souhaitiez financer un bien immobilier, pr\u00e9parer votre retraite, analyser votre pr\u00e9voyance ou retrouver des avoirs LPP oubli\u00e9s, nos experts vous guident \u00e0 chaque \u00e9tape.<\/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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6add9e1 elementor-arrows-position-inside elementor-widget elementor-widget-n-carousel\" data-id=\"6add9e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Planification retraite&quot;,&quot;_id&quot;:&quot;88491e3&quot;},{&quot;slide_title&quot;:&quot;Analyse de pr\\u00e9voyance&quot;,&quot;_id&quot;:&quot;ed5eb56&quot;},{&quot;slide_title&quot;:&quot;Gestion des avoirs de libre passage&quot;,&quot;_id&quot;:&quot;8446098&quot;},{&quot;slide_title&quot;:&quot;Souscription et conseil 3a&quot;,&quot;_id&quot;:&quot;aa97eeb&quot;},{&quot;slide_title&quot;:&quot;Souscription et conseil 3b&quot;,&quot;_id&quot;:&quot;9279345&quot;}],&quot;slides_to_show&quot;:&quot;4&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:13,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Services\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d8a946 e-flex e-con-boxed e-con e-child\" data-id=\"8d8a946\" 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\t\t<div class=\"elementor-element elementor-element-5566ac9 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5566ac9\" 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<a href=\"https:\/\/invexa.ch\/services\/planification-retraite\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Planification retraite\">\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, -2305.017492, 2236.182045)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15859.292331 14010.505964 C 15857.503685 14010.505964 15855.690196 14010.505964 15853.90155 14010.505964 C 15852.088061 14010.505964 15850.299415 14010.505964 15848.510769 14010.505964 C 15441.593745 14010.505964 15109.203649 13736.097817 15087.392102 13390.491613 L 15139.287686 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fill=\"none\" stroke-linejoin=\"round\" d=\"M 15983.603246 12703.999242 L 16090.102225 12703.999242 \" 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, -2305.017492, 2236.182045)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15843.095145 12951.105691 L 15843.095145 12854.692689 \" 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, -2305.017492, 2236.182045)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15843.095145 12558.497838 L 15843.095145 12457.091532 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/a>\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<a href=\"https:\/\/invexa.ch\/services\/planification-retraite\/\">\n\t\t\t\t\t\t\tPlanification retraite\t\t\t\t\t\t<\/a>\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 votre situation globale pour d\u00e9terminer le niveau de revenu dont vous aurez besoin \u00e0 la retraite et les lacunes \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\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f00305b e-flex e-con-boxed e-con e-child\" data-id=\"f00305b\" 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\t\t<div class=\"elementor-element elementor-element-3421aea elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3421aea\" 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<a href=\"https:\/\/invexa.ch\/services\/analyse-de-prevoyance\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Analyse de pr\u00e9voyance\">\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, -1047.049607, 2239.668141)\" fill=\"none\" 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50.074219 198.152344 50.074219 197.800781 50.074219 C 197.445312 50.074219 197.09375 50.074219 196.753906 50.074219 C 117.453125 50.074219 52.660156 103.570312 48.429688 170.933594 L 58.539062 170.933594 C 63.261719 156.105469 77.308594 145.113281 93.550781 145.113281 C 109.722656 145.113281 123.738281 156.039062 128.5 170.789062 C 133.273438 156.039062 147.277344 145.113281 163.460938 145.113281 C 179.019531 145.113281 192.53125 155.207031 197.800781 169.09375 C 203.066406 155.207031 216.585938 145.113281 232.144531 145.113281 C 248.324219 145.113281 262.328125 156.039062 267.097656 170.789062 C 271.863281 156.039062 285.875 145.113281 302.054688 145.113281 C 318.28125 145.113281 332.335938 156.105469 337.066406 170.933594 L 347.164062 170.933594 C 342.933594 103.570312 278.148438 50.074219 198.847656 50.074219 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/a>\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<a href=\"https:\/\/invexa.ch\/services\/analyse-de-prevoyance\/\">\n\t\t\t\t\t\t\tAnalyse de pr\u00e9voyance\t\t\t\t\t\t<\/a>\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\tUn diagnostic complet de votre situation actuelle: revenus, charges, patrimoine, couvertures existantes. 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class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSolutions de placement ou d'assurance, nous trouvons le 3a qui correspond \u00e0 votre profil et \u00e0 vos objectifs. 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et conseil 3b\t\t\t\t\t\t<\/a>\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 proposons des solutions d'assurance 3b pour prot\u00e9ger vos proches et vous-m\u00eame. 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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<a href=\"https:\/\/invexa.ch\/services\/recherche-avoirs-lpp\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Gestion des avoirs LPP\">\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 303.566406 279.808594 L 40.660156 279.808594 L 40.660156 141.292969 L 303.566406 141.292969 L 303.566406 279.808594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 279.378906 189.597656 C 265.234375 189.597656 253.402344 178.355469 252.960938 164.707031 L 91.265625 164.707031 C 91.046875 178.527344 79.125 189.992188 64.84375 189.992188 L 64.84375 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189.132812 241.378906 172.109375 241.378906 C 155.097656 241.378906 141.296875 227.570312 141.296875 210.558594 C 141.296875 193.542969 155.097656 179.738281 172.109375 179.738281 C 189.132812 179.738281 202.925781 193.542969 202.925781 210.558594 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 179.175781 263.660156 L 179.175781 289.164062 C 179.175781 289.164062 188.984375 296.976562 217.507812 296.976562 C 237.058594 296.976562 253.171875 293.566406 255.527344 289.164062 L 255.832031 263.660156 L 179.175781 263.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7830.593488 2025.18921 L 7830.593488 1862.993774 C 7830.593488 1862.993774 7892.972526 1813.309156 8074.371068 1813.309156 C 8198.706825 1813.309156 8301.18135 1834.996492 8316.161262 1862.993774 L 8318.098962 2025.18921 Z M 7830.593488 2025.18921 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 255.832031 263.660156 C 255.832031 268.597656 238.667969 272.589844 217.507812 272.589844 C 196.335938 272.589844 179.175781 268.597656 179.175781 263.660156 C 179.175781 258.738281 196.335938 254.726562 217.507812 254.726562 C 238.667969 254.726562 255.832031 258.738281 255.832031 263.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8318.098962 2025.18921 C 8318.098962 1993.788532 8208.941856 1968.399692 8074.371068 1968.399692 C 7939.725752 1968.399692 7830.593488 1993.788532 7830.593488 2025.18921 C 7830.593488 2056.49052 7939.725752 2082.003571 8074.371068 2082.003571 C 8208.941856 2082.003571 8318.098962 2056.49052 8318.098962 2025.18921 Z M 8318.098962 2025.18921 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 179.175781 238.074219 L 179.175781 263.578125 C 179.175781 263.578125 188.984375 271.410156 217.507812 271.410156 C 237.058594 271.410156 253.171875 267.984375 255.527344 263.578125 L 255.832031 238.074219 L 179.175781 238.074219 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7830.593488 2187.906335 L 7830.593488 2025.710899 C 7830.593488 2025.710899 7892.972526 1975.902069 8074.371068 1975.902069 C 8198.706825 1975.902069 8301.18135 1997.688774 8316.161262 2025.710899 L 8318.098962 2187.906335 Z M 7830.593488 2187.906335 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 255.832031 238.074219 C 255.832031 242.996094 238.667969 246.992188 217.507812 246.992188 C 196.335938 246.992188 179.175781 242.996094 179.175781 238.074219 C 179.175781 233.136719 196.335938 229.160156 217.507812 229.160156 C 238.667969 229.160156 255.832031 233.136719 255.832031 238.074219 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8318.098962 2187.906335 C 8318.098962 2156.605026 8208.941856 2131.191343 8074.371068 2131.191343 C 7939.725752 2131.191343 7830.593488 2156.605026 7830.593488 2187.906335 C 7830.593488 2219.307014 7939.725752 2244.596484 8074.371068 2244.596484 C 8208.941856 2244.596484 8318.098962 2219.307014 8318.098962 2187.906335 Z M 8318.098962 2187.906335 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 179.175781 216.941406 L 179.175781 242.460938 C 179.175781 242.460938 188.984375 250.261719 217.507812 250.261719 C 237.058594 250.261719 253.171875 246.847656 255.527344 242.460938 L 255.832031 216.941406 L 179.175781 216.941406 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7830.593488 2322.303227 L 7830.593488 2160.008422 C 7830.593488 2160.008422 7892.972526 2110.398331 8074.371068 2110.398331 C 8198.706825 2110.398331 8301.18135 2132.110509 8316.161262 2160.008422 L 8318.098962 2322.303227 Z M 7830.593488 2322.303227 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 255.832031 216.941406 C 255.832031 221.878906 238.667969 225.875 217.507812 225.875 C 196.335938 225.875 179.175781 221.878906 179.175781 216.941406 C 179.175781 212.035156 196.335938 208.027344 217.507812 208.027344 C 238.667969 208.027344 255.832031 212.035156 255.832031 216.941406 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8318.098962 2322.303227 C 8318.098962 2290.902549 8208.941856 2265.488866 8074.371068 2265.488866 C 7939.725752 2265.488866 7830.593488 2290.902549 7830.593488 2322.303227 C 7830.593488 2353.505168 7939.725752 2378.993377 8074.371068 2378.993377 C 8208.941856 2378.993377 8318.098962 2353.505168 8318.098962 2322.303227 Z M 8318.098962 2322.303227 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 300.3125 179.738281 C 339.339844 160.257812 344.808594 113.066406 344.808594 113.066406 C 318.457031 113.066406 300.3125 89.96875 300.3125 89.96875 C 300.3125 89.96875 282.167969 113.066406 255.832031 113.066406 C 255.832031 113.066406 261.289062 160.257812 300.3125 179.738281 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8600.978336 2558.901379 C 8849.177847 2682.789975 8883.957079 2982.909911 8883.957079 2982.909911 C 8716.370862 2982.909911 8600.978336 3129.802485 8600.978336 3129.802485 C 8600.978336 3129.802485 8485.58581 2982.909911 8318.098962 2982.909911 C 8318.098962 2982.909911 8352.803668 2682.789975 8600.978336 2558.901379 Z M 8600.978336 2558.901379 \" 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, -1052.121022, 582.104602)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8509.533796 2810.703025 L 8573.751165 2757.590168 L 8705.638985 2931.188224 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/a>\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<a href=\"https:\/\/invexa.ch\/services\/recherche-avoirs-lpp\/\">\n\t\t\t\t\t\t\tGestion des avoirs LPP\t\t\t\t\t\t<\/a>\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 optimiser la gestion de votre capital de libre passage: choix du placement, strat\u00e9gie de retrait, et opportunit\u00e9s d'utilisation (rachat, financement immobilier).\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\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-left\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 504C119 504 8 393 8 256S119 8 256 8s248 111 248 248-111 248-248 248zm28.9-143.6L209.4 288H392c13.3 0 24-10.7 24-24v-16c0-13.3-10.7-24-24-24H209.4l75.5-72.4c9.7-9.3 9.9-24.8.4-34.3l-11-10.9c-9.4-9.4-24.6-9.4-33.9 0L107.7 239c-9.4 9.4-9.4 24.6 0 33.9l132.7 132.7c9.4 9.4 24.6 9.4 33.9 0l11-10.9c9.5-9.5 9.3-25-.4-34.3z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b83b0d4 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"b83b0d4\" 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-d891d82\" data-id=\"d891d82\" 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-0edcb35 elementor-widget elementor-widget-heading\" data-id=\"0edcb35\" 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 pr\u00e9voyance des ind\u00e9pendants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2daf8ba elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2daf8ba\" 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 la pr\u00e9voyance des travaileurs ind\u00e9pendants 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-4c9bef7\" data-id=\"4c9bef7\" 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-9181f7d elementor-widget elementor-widget-menu-anchor\" data-id=\"9181f7d\" 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-ced7d9c elementor-widget elementor-widget-toggle\" data-id=\"ced7d9c\" 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-2161\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2161\" 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\">Suis-je oblig\u00e9 de cotiser au 2\u00e8me pilier en tant qu'ind\u00e9pendant ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2161\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2161\"><p><strong>Non<\/strong>, vous n&rsquo;\u00eates pas oblig\u00e9. Contrairement aux salari\u00e9s, l&rsquo;affiliation au 2\u00e8me pilier est <strong>facultative<\/strong> pour les ind\u00e9pendants. Vous pouvez toutefois choisir de vous affilier <strong>volontairement<\/strong> \u00e0 une institution de pr\u00e9voyance, ce qui peut \u00eatre int\u00e9ressant pour maximiser votre pr\u00e9voyance et vos d\u00e9ductions fiscales.<\/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-2162\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2162\" 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 puis-je cotiser au pilier 3a ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2162\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2162\"><p>En tant qu&rsquo;ind\u00e9pendant sans 2\u00e8me pilier, vous pouvez cotiser jusqu&rsquo;\u00e0 20% de votre revenu net avec un plafond de <strong>CHF 36&rsquo;288\/an<\/strong>. Si vous \u00eates affili\u00e9 \u00e0 une caisse de pension, le plafond est le m\u00eame que pour les salari\u00e9s, soit <strong>CHF 7&rsquo;258 (2025)<\/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-2163\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2163\" 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 d\u00e9duire les primes du pilier 3b \u00e0 Gen\u00e8ve ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2163\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2163\"><p>Oui, \u00e0 Gen\u00e8ve, les primes du pilier 3b peuvent \u00eatre <strong>d\u00e9duites<\/strong> de votre revenu imposable, dans certaines limites fix\u00e9es par la l\u00e9gislation cantonale.<\/p><p>Les montants d\u00e9ductibles sont les suivants :<\/p><ul><li><strong>2\u2019232 CHF<\/strong> pour les personnes seules (c\u00e9libataires, veufs, divorc\u00e9s ou s\u00e9par\u00e9s).<\/li><li><strong>3\u2019348 CHF<\/strong> pour les couples mari\u00e9s.<\/li><\/ul><p>Ces montants peuvent \u00eatre doubl\u00e9s si le ou les contribuables ne sont pas affili\u00e9s \u00e0 une caisse de pension (LPP). Si un seul des conjoints est affili\u00e9, la limite est augment\u00e9e \u00e0 <strong>1.5<\/strong> fois le montant de base.<\/p><p>La d\u00e9duction est \u00e9galement major\u00e9e de <strong>900 CHF<\/strong> par personne \u00e0 charge.<\/p><p><strong>Exemple:<\/strong> un parent c\u00e9libataire, non affili\u00e9 \u00e0 une pr\u00e9voyance, vivant seul avec des enfants \u00e0 charge, peut b\u00e9n\u00e9ficier du doublement de la d\u00e9duction, plus les majorations pour charge de famille. Si un seul des conjoints est affili\u00e9, la majoration par charge est port\u00e9e \u00e0 1\u2019350 CHF.<\/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-2164\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2164\" 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\">Quelle est la diff\u00e9rence entre le 3a bancaire et le 3a en assurance ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2164\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2164\"><p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-assurance-ou-banque\/\">3a bancaire<\/a> est une solution d&rsquo;\u00e9pargne pure (compte ou fonds de placement) sans couverture de risque. Le 3a en assurance combine \u00e9pargne et protection: en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9, les primes restantes sont prises en charge et le capital pr\u00e9vu est garanti. L&rsquo;assurance co\u00fbte <strong>plus cher<\/strong> mais offre une s\u00e9curit\u00e9 suppl\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-2165\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2165\" 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 se passe-t-il avec mes avoirs de libre passage si je deviens ind\u00e9pendant ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2165\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2165\"><p>Vos avoirs restent bloqu\u00e9s sur votre compte ou police de <a href=\"https:\/\/invexa.ch\/prevoyance\/compte-de-libre-passage-ce-que-vous-devez-savoir\/\">libre passage<\/a> jusqu&rsquo;\u00e0 la retraite (ou 5 ans avant l&rsquo;\u00e2ge AVS). Vous <a href=\"https:\/\/invexa.ch\/prevoyance\/retrait-compte-libre-passage\/\">pouvez les retirer<\/a> pour financer votre r\u00e9sidence principale, vous mettre \u00e0 votre compte dans une nouvelle activit\u00e9, ou les transf\u00e9rer si vous vous affiliez volontairement \u00e0 une caisse de pension.<\/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-2166\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2166\" 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\">Quand dois-je commencer \u00e0 planifier ma pr\u00e9voyance ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2166\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2166\"><p>Id\u00e9alement <strong>d\u00e8s le d\u00e9but<\/strong> de votre activit\u00e9 ind\u00e9pendante. Plus vous commencez t\u00f4t, plus vous b\u00e9n\u00e9ficiez de l&rsquo;effet des int\u00e9r\u00eats compos\u00e9s et plus vous pouvez lisser vos cotisations. M\u00eame si vous \u00eates d\u00e9j\u00e0 \u00e9tabli depuis plusieurs ann\u00e9es, il n&rsquo;est jamais trop tard pour optimiser votre pr\u00e9voyance et combler les lacunes.<\/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-2167\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2167\" 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 prot\u00e9ger ma famille si je d\u00e9c\u00e8de ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2167\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2167\"><p>L&rsquo;AVS verse une rente de veuf\/veuve et des rentes d&rsquo;orphelin, mais ces prestations sont souvent insuffisantes. Une assurance d\u00e9c\u00e8s en pilier 3a ou 3b garantit un capital \u00e0 vos proches pour maintenir leur niveau de vie, rembourser des dettes ou financer les \u00e9tudes des enfants. Le montant \u00e0 assurer d\u00e9pend de votre situation familiale et de vos charges.<\/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\":\"Suis-je oblig\\u00e9 de cotiser au 2\\u00e8me pilier en tant qu'ind\\u00e9pendant ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Non<\\\/strong>, vous n&rsquo;\\u00eates pas oblig\\u00e9. Contrairement aux salari\\u00e9s, l&rsquo;affiliation au 2\\u00e8me pilier est <strong>facultative<\\\/strong> pour les ind\\u00e9pendants. Vous pouvez toutefois choisir de vous affilier <strong>volontairement<\\\/strong> \\u00e0 une institution de pr\\u00e9voyance, ce qui peut \\u00eatre int\\u00e9ressant pour maximiser votre pr\\u00e9voyance et vos d\\u00e9ductions fiscales.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Combien puis-je cotiser au pilier 3a ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>En tant qu&rsquo;ind\\u00e9pendant sans 2\\u00e8me pilier, vous pouvez cotiser jusqu&rsquo;\\u00e0 20% de votre revenu net avec un plafond de <strong>CHF 36&rsquo;288\\\/an<\\\/strong>. Si vous \\u00eates affili\\u00e9 \\u00e0 une caisse de pension, le plafond est le m\\u00eame que pour les salari\\u00e9s, soit <strong>CHF 7&rsquo;258 (2025)<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on d\\u00e9duire les primes du pilier 3b \\u00e0 Gen\\u00e8ve ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, \\u00e0 Gen\\u00e8ve, les primes du pilier 3b peuvent \\u00eatre <strong>d\\u00e9duites<\\\/strong> de votre revenu imposable, dans certaines limites fix\\u00e9es par la l\\u00e9gislation cantonale.<\\\/p><p>Les montants d\\u00e9ductibles sont les suivants :<\\\/p><ul><li><strong>2\\u2019232 CHF<\\\/strong> pour les personnes seules (c\\u00e9libataires, veufs, divorc\\u00e9s ou s\\u00e9par\\u00e9s).<\\\/li><li><strong>3\\u2019348 CHF<\\\/strong> pour les couples mari\\u00e9s.<\\\/li><\\\/ul><p>Ces montants peuvent \\u00eatre doubl\\u00e9s si le ou les contribuables ne sont pas affili\\u00e9s \\u00e0 une caisse de pension (LPP). Si un seul des conjoints est affili\\u00e9, la limite est augment\\u00e9e \\u00e0 <strong>1.5<\\\/strong> fois le montant de base.<\\\/p><p>La d\\u00e9duction est \\u00e9galement major\\u00e9e de <strong>900 CHF<\\\/strong> par personne \\u00e0 charge.<\\\/p><p><strong>Exemple:<\\\/strong> un parent c\\u00e9libataire, non affili\\u00e9 \\u00e0 une pr\\u00e9voyance, vivant seul avec des enfants \\u00e0 charge, peut b\\u00e9n\\u00e9ficier du doublement de la d\\u00e9duction, plus les majorations pour charge de famille. Si un seul des conjoints est affili\\u00e9, la majoration par charge est port\\u00e9e \\u00e0 1\\u2019350 CHF.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre le 3a bancaire et le 3a en assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/3eme-pilier-assurance-ou-banque\\\/\\\">3a bancaire<\\\/a> est une solution d&rsquo;\\u00e9pargne pure (compte ou fonds de placement) sans couverture de risque. Le 3a en assurance combine \\u00e9pargne et protection: en cas de d\\u00e9c\\u00e8s ou d&rsquo;invalidit\\u00e9, les primes restantes sont prises en charge et le capital pr\\u00e9vu est garanti. L&rsquo;assurance co\\u00fbte <strong>plus cher<\\\/strong> mais offre une s\\u00e9curit\\u00e9 suppl\\u00e9mentaire.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Que se passe-t-il avec mes avoirs de libre passage si je deviens ind\\u00e9pendant ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Vos avoirs restent bloqu\\u00e9s sur votre compte ou police de <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/compte-de-libre-passage-ce-que-vous-devez-savoir\\\/\\\">libre passage<\\\/a> jusqu&rsquo;\\u00e0 la retraite (ou 5 ans avant l&rsquo;\\u00e2ge AVS). Vous <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/retrait-compte-libre-passage\\\/\\\">pouvez les retirer<\\\/a> pour financer votre r\\u00e9sidence principale, vous mettre \\u00e0 votre compte dans une nouvelle activit\\u00e9, ou les transf\\u00e9rer si vous vous affiliez volontairement \\u00e0 une caisse de pension.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quand dois-je commencer \\u00e0 planifier ma pr\\u00e9voyance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Id\\u00e9alement <strong>d\\u00e8s le d\\u00e9but<\\\/strong> de votre activit\\u00e9 ind\\u00e9pendante. Plus vous commencez t\\u00f4t, plus vous b\\u00e9n\\u00e9ficiez de l&rsquo;effet des int\\u00e9r\\u00eats compos\\u00e9s et plus vous pouvez lisser vos cotisations. M\\u00eame si vous \\u00eates d\\u00e9j\\u00e0 \\u00e9tabli depuis plusieurs ann\\u00e9es, il n&rsquo;est jamais trop tard pour optimiser votre pr\\u00e9voyance et combler les lacunes.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment prot\\u00e9ger ma famille si je d\\u00e9c\\u00e8de ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>L&rsquo;AVS verse une rente de veuf\\\/veuve et des rentes d&rsquo;orphelin, mais ces prestations sont souvent insuffisantes. Une assurance d\\u00e9c\\u00e8s en pilier 3a ou 3b garantit un capital \\u00e0 vos proches pour maintenir leur niveau de vie, rembourser des dettes ou financer les \\u00e9tudes des enfants. Le montant \\u00e0 assurer d\\u00e9pend de votre situation familiale et de vos charges.<\\\/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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fbc40d0 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"fbc40d0\" 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-4ae091f\" data-id=\"4ae091f\" 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-255ed06 elementor-widget elementor-widget-heading\" data-id=\"255ed06\" 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-ced1c76 elementor-widget elementor-widget-text-editor\" data-id=\"ced1c76\" 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-f00147d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f00147d\" 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-4e5dcdb\" data-id=\"4e5dcdb\" 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-b2b86c3 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b2b86c3\" 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-1cc9a74\" data-id=\"1cc9a74\" 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-510cffc elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"510cffc\" 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-d144db3\" data-id=\"d144db3\" 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-5d6ca22 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5d6ca22\" 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-2d98b4a\" data-id=\"2d98b4a\" 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-f489dd8 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f489dd8\" 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-d666b8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d666b8e\" 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-100 elementor-top-column elementor-element elementor-element-2c7032c\" data-id=\"2c7032c\" 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-884a10d elementor-widget elementor-widget-heading\" data-id=\"884a10d\" 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\">Les protections essentielles \u00e0 activer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f69f725 elementor-widget elementor-widget-text-editor\" data-id=\"f69f725\" 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>En tant qu&rsquo;ind\u00e9pendant, trois risques majeurs peuvent mettre en p\u00e9ril votre situation financi\u00e8re et celle de vos proches. Voici les protections indispensables:<\/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-549c63b elementor-widget elementor-widget-heading\" data-id=\"549c63b\" 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\">Rente en cas d'incapacit\u00e9 de gain (maladie et accident)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb947d elementor-widget elementor-widget-text-editor\" data-id=\"4bb947d\" 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>Une maladie ou un accident peut vous emp\u00eacher de travailler pendant des ann\u00e9es, voire d\u00e9finitivement. Sans revenu de remplacement, comment maintenez-vous votre niveau de vie ? L&rsquo;<strong>assurance perte de gain maladie<\/strong> et la <strong>couverture accident<\/strong> sont essentielles pour garantir un revenu en cas de coup dur. Ce type de rente s&rsquo;active g\u00e9n\u00e9ralement \u00e0 la suite d&rsquo;une invalidit\u00e9 d&rsquo;au moins 25%.<\/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-926bf59 elementor-widget elementor-widget-heading\" data-id=\"926bf59\" 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\">Assurance en cas de d\u00e9c\u00e8s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3124a17 elementor-widget elementor-widget-text-editor\" data-id=\"3124a17\" 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>Si vous disparaissez, vos proches ont-ils les moyens de <strong>maintenir leur train de vie<\/strong> ? De rembourser un cr\u00e9dit hypoth\u00e9caire ? L&rsquo;assurance d\u00e9c\u00e8s garantit un capital \u00e0 votre famille et prot\u00e8ge son avenir financier. C&rsquo;est particuli\u00e8rement crucial si vous avez des <strong>enfants<\/strong> ou un <strong>conjoint<\/strong> qui d\u00e9pend de vos revenus.<\/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-57a77a2 elementor-widget elementor-widget-heading\" data-id=\"57a77a2\" 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\">Construction d'\u00e9pargne<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf4f046 elementor-widget elementor-widget-text-editor\" data-id=\"cf4f046\" 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>Au-del\u00e0 de la protection, il s&rsquo;agit de b\u00e2tir votre capital retraite. Chaque franc \u00e9pargn\u00e9 aujourd&rsquo;hui vous rapproche de la libert\u00e9 financi\u00e8re demain. Une strat\u00e9gie d&rsquo;\u00e9pargne coh\u00e9rente et fiscalement optimis\u00e9e fait toute la diff\u00e9rence sur le long terme. En tant qu&rsquo;ind\u00e9pendant, une couverture int\u00e9ressante est la <strong>lib\u00e9ration des primes en cas d&rsquo;incapacit\u00e9 de gain<\/strong>. Cela signifie que l&rsquo;assurance prends en charge le paiements de vos primes, et continue donc d&rsquo;\u00e9pargner pour vous.<\/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-1f610e4 elementor-widget elementor-widget-heading\" data-id=\"1f610e4\" 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\">Modules compl\u00e9mentaires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f58b29b elementor-widget elementor-widget-text-editor\" data-id=\"f58b29b\" 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>Certains contrats pr\u00e9voient une souplesse d\u2019adaptation en cas de <strong>changement<\/strong> de situation personnelle: mariage, naissance, achat immobilier ou \u00e9volution professionnelle. Il est alors possible d\u2019<strong>augmenter<\/strong> la <strong>rente assur\u00e9e<\/strong> jusqu\u2019\u00e0 un certain seuil \u2013 souvent <strong>25 %<\/strong>, sans devoir repasser par une acceptation m\u00e9dicale compl\u00e8te. Par ailleurs, certains assureurs permettent une r\u00e9vision tous les cinq ans, ce qui est utile en cas de progression de revenu ou de modification de votre mode de vie.<\/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-b6e0744 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"b6e0744\" 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\/contact\/\">\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\">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\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-4d021cc elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4d021cc\" 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-998b5b1\" data-id=\"998b5b1\" 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-ad82936 elementor-widget elementor-widget-menu-anchor\" data-id=\"ad82936\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b91b7cb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b91b7cb\" 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-a7a6170\" data-id=\"a7a6170\" 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-a1358d2 elementor-widget elementor-widget-heading\" data-id=\"a1358d2\" 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-7c567fd elementor-widget elementor-widget-text-editor\" data-id=\"7c567fd\" 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 planification financi\u00e8re 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-400bca3 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"400bca3\" 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-d6e5a70\" data-id=\"d6e5a70\" 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-b679015 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"b679015\" 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>Quand on est ind\u00e9pendant, on a la libert\u00e9. Mais cette libert\u00e9 s\u2019accompagne d\u2019une r\u00e9alit\u00e9 : personne ne s\u2019occupe de votre pr\u00e9voyance \u00e0 votre place. Pas de LPP, pas de couverture automatique en cas d\u2019incapacit\u00e9 de gain ou de d\u00e9c\u00e8s. Et si vous ne planifiez pas, tout repose sur vous et vos proches.<\/p>\n","protected":false},"author":1,"featured_media":5710,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-5709","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/pages\/5709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/comments?post=5709"}],"version-history":[{"count":28,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/pages\/5709\/revisions"}],"predecessor-version":[{"id":8582,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/pages\/5709\/revisions\/8582"}],"up":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/pages\/3081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/5710"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=5709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}