Retirement planning
Knowing how much you will have, when to retire and how to withdraw your savings at the lowest tax cost. Retirement should be prepared ten to fifteen years in advance.
At a glance
- 01
Income projection
A clear, figure-based view of your state and occupational pensions and your savings.
- 02
Staggered withdrawals
Spreading pillar 3a and pension fund withdrawals over several years to reduce tax.
- 03
Pension or lump sum
An objective comparison based on your health, family and plans.
- 04
Early retirement
Measuring the impact of retiring before the reference age, and financing it.
In retirement, your income comes from the state pension, your pension fund and your private pension provision. The decisions you make in the preceding years, such as buy-ins, the timing of withdrawals or the choice between a pension and a lump sum, have a major and often irreversible impact.
Together, we draw up a clear projection of your future income, identify any shortfall compared with your needs and propose concrete measures, including ways to reduce the tax on your withdrawals.
Our approach
What we prepare with you
- An AHV/AVS account statement and an analysis of any gaps
- The optimal timing for your pension withdrawals
- Pension fund buy-ins still possible before retirement
- Your retirement budget, including housing and mortgage
- Protection for your spouse or partner
Frequently asked questions
Let's talk about your project.
A first conversation that is free, with no obligation, in your language.