Pensions Advisory unit
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Your life is marked by important events, sometimes unforeseen, that have a direct or indirect impact on your financial situation. The latter inevitably raise questions about sometimes complex issues to which precise answers must be provided.
- Building up your wealth
- Tax savings
- Buying real estate
- Partnership or marriage
- Hedging risks
- Family protection
- Structuring your wealth
- Tax optimisation
- Buying real estate
- Mortgage debt analysis
- Partnership or marriage
- Employed or self-employed
- Hedging risks
- Family protection
- Preserving your wealth
- Tax optimisation
- Early retirement
- Financing retirement
- Pension and/or capital
- Mortgage debt analysis
- Protection of heirs
SIEBK offers you the SIEBK Praevisio concept. It is based on a thorough analysis of your personal situation and, if necessary, a selection of the best pension products on the market in complete independence.
* Voucher valid until 31.12.2020.
Not convertible into cash and not cumulative.
What is financial planning?
A financial plan consists of taking stock of your overall financial situation and estimating its probable evolution in the medium and long term. It takes into account several key subjects:
What is our advisory approach?
Pension planning
Retirement involves both financial and emotional upheaval. This delicate transition must therefore be well planned. In addition, the Swiss pension system offers not only pension insurance, but also insurance against financial losses in the event of death or disability (illness or accident).
Pension planning
Taxation
Many decisions have tax implications. The better you know them, the better you can optimise your tax situation.
Taxation
Personal and real estate assets
Our mission is to develop tailor-made solutions for the creation, growth and protection of your assets. This objective must be achieved by including all assets, such as account and pension balances, financial investments, real estate and insurance.
Personal and real estate assets
Marital and inheritance aspects
It is essential to organise the transfer of one's assets in order to ensure that the allocation takes place according to one's own wishes and without disputes within the family.
Marital and inheritance aspects
Employee
As an employee, we automatically adhere to the pension system set up by the employer. However, the proposed solutions vary greatly from one company to another. Because of these differences, employees with a comparable salary do not all receive the same benefits in the event of death, disability or retirement.
Employee
Self-employed
If you become your own boss, the 2nd pillar pension plan is optional. You are therefore responsible for protecting yourself against risks that could jeopardise your income and assets.
Self-employed
Specific analysis CHF 250/hour
Some of the subjects often discussed:
- Effective cost of mortgage debt
- Buying into the pension fund
- Marginal tax rate
- Benefits in the event of succession
- Financial consequences of a divorce
Full pension analysis CHF 750 to CHF 1'500
Analysis of all types of insurance and pension benefits (3-pillar system) for temporary incapacity for work, disability, death and retirement. This analysis is all the more important in the case of home ownership.
Solutions are then proposed to fill any gaps while optimising taxation.
Financial planning CHF 2'500 to CHF 4'500
Planning the evolution of global assets for various life phases, taking into account retirement provisions, investments, real estate, taxes, succession and other possible scenarios.
We accompany you throughout the entire process, from the creation of an optimal strategy to the selection of the best products available on the market. Thanks to our "open architecture" philosophy, we are able to find the right solutions for you, so that you have more time for other important things.
Contact us
If you have any questions or would like a free consultation
Please do not hesitate to contact us
(0)58 211 21 00
Contact form
prevoyance@bcge.ch
Monday to Friday from 7.30 am to 7.30 pm
and Saturday from 9 am to 4 pm
