Occupational pension
Coverage, buy-ins, lump sum versus annuity and how occupational assets sit beside private investments. Rules vary by fund and by situation.
Swiss financial planning
Designed around Switzerland.
A wealth strategy that ignores pillars, cantons, property and residency is a strategy written for somewhere else. The work here is to keep Swiss reality in the room.
A geographic sketch
Where clients typically live and work.
Stylised map for orientation. Cities are geographic examples, not office claims.
Zürich
A common centre of gravity for private clients, enterprise wealth and professional households.
Geneva
International families, cross-border lives and a long tradition of private wealth.
Zug
Often part of a planning conversation around residency, enterprise and a compact canton.
Basel
Life sciences, family industry and a north-facing European orientation.
Lugano
A southern door to Italy and a different cultural texture of family wealth.
Topics, not conclusions
The Swiss questions that belong in a plan.
The notes below are a map of subjects. They are not legal, tax or mortgage advice, and they do not replace qualified specialists.
Tied private saving
Contribution limits, investment choice inside 3a and the timing of withdrawals. Useful within its bounds; not a complete wealth strategy.
Property as a balance-sheet item
Amortisation, affordability and the opportunity cost of surplus repayment versus remaining invested. A mortgage is a planning tool, not only a loan.
Considerations, not rates
Wealth, income and withholding interact with investment location and pension choices. Specific figures belong with a tax advisor and current law.
Where life is lived
A move into or out of Switzerland can rearrange the entire plan. Residency is treated as a first-order input, not a footnote.
Differences that matter
Cantonal practice affects tax, inheritance and sometimes the texture of a family’s administrative life. Differences are noted; they are not scored or ranked here.