Financial planning

The main objectives of financial planning are to provide you with a projection of your financial situation based on several pre-established scenarios and to obtain recommendations for achieving short- and long-term objectives while minimising financial risks.

An overall view of your wealth situation enables us to make precise recommendations to reduce your tax burden. This also includes an estimate of your marginal tax rate on income and wealth, allowing you to assess the practical impact of the various proposals we will put forward.

To plan your retirement effectively, we determine your financial needs in retirement, project your future income and estimate the assets you will have available. We'll then see if your plan is viable as it stands. If it isn't, we'll identify how much you need to save to get there, and you can invest in retirement vehicles, such as the 3rd pillar, to adapt your plan to your financial situation throughout your working life.

The first step is to find out about your family background and wishes regarding the distribution of your estate in the event of your death to ensure that this aligns with your current wishes. Advice may include drawing up/modifying a will or an inheritance agreement and minimising inheritance tax if this is relevant to your situation.

The main mistakes to be avoided when financial planning in Switzerland include neglecting asset diversification, needing more cash reserves, ignoring long-term objectives, not being cautious, using over-optimistic returns and avoiding estate planning.