Situation
You have worked part-time or taken a career break.
Consequence
Your 2nd pillar has gaps: a pension fund buy-in can fill them while reducing your taxes.
Pensions & retirement
Plan for your future without leaving any gaps.
Old-age and survivors' insurance (AHV/AVS), 2nd and 3rd pillars, disability, death: we look at your pension provision as a whole to protect your loved ones and prepare for a worry-free retirement.
Why it matters
Very real situations.
Situation
An illness leaves you unable to work for a long time.
Consequence
Disability pensions from the IV/AI (disability insurance) and your pension fund (BVG/LPP) only replace part of your income: without additional cover, your standard of living falls.
Situation
You are approaching retirement.
Consequence
Pension or lump sum, timing of withdrawals, tax: the decisions you make in the last few years have a lasting impact.
What we cover
The essentials, explained simply.
Review of the three pillars
We bring together your AHV/AVS, pension fund and 3rd pillar to measure your future income and any gaps.
Pension fund buy-in
Fill a gap in your 2nd pillar while deducting the amount from your taxable income, on a carefully planned schedule.
Bank or insurance pillar 3a
Flexible savings with a bank, or an insurance solution with death and disability cover: we choose according to your goals.
Retroactive 3a buy-in
Since 2026, years from 2025 onwards with no 3a contribution (or only a partial one) can be made up, going back up to ten years.
Incapacity to work
A pension or lump sum in the event of disability, on top of the IV/AI and BVG/LPP, to maintain your standard of living.
Protecting your loved ones
Lump-sum death benefit, a pension for your partner — including an unmarried partner, who is not always protected by default.
Pension or lump sum
An irreversible decision: we compare both options in light of your health, your tax situation and your plans.
Vested benefits
Forgotten assets, a change of job, moving abroad: we track down and consolidate your vested benefits accounts.
Points to watch
The mistakes we see most often.
- 01
A buy-in followed too quickly by a withdrawal
Benefits resulting from a pension fund buy-in cannot be withdrawn as a lump sum for three years (Art. 79b of the Occupational Pensions Act, BVG/LPP). Otherwise, the tax deduction may be called into question.
- 02
Withdrawing everything in the same year
Lump-sum withdrawals from the 2nd and 3rd pillars made in the same year are added together for tax purposes. Spreading them over several years can reduce the bill.
- 03
Forgetting an unmarried partner
An unmarried partner is not automatically entitled to survivors' benefits: you often need to register them with the pension fund.
- 04
Not using your 3rd pillar
In 2026, up to CHF 7'258 (with a 2nd pillar) or 20% of income, up to a maximum of CHF 36'288 (without a 2nd pillar), is deductible: every year left unused is a tax saving lost.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Pensions & retirement:your questions.
Our experts' answers to the questions we are asked most often.
The ceiling depends on your situation:
- Member of a pension fund: up to CHF 7'258.
- No pension fund: up to 20% of your earned income, up to a maximum of CHF 36'288.
These amounts are deductible from your taxable income.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Tax planning
Pay the right amount of tax, not a franc more.
- Optimised deductions (3a, pension fund buy-ins)
- Retirement tax planning
- Support with your tax return
Investment
Put your savings to work, in line with your profile.
- Risk profile and investment horizon
- Savings and life insurance (pillar 3b)
- Diversification and regular reviews
Health insurance
Supplementary health insurance tailored to your needs.
- Alternative medicine
- Private room
- Dental care
Official sources
- FTA — Maximum pillar 3a deductions (direct federal tax)
- FSIO — Pillar 3a buy-ins (in French)
- FSIO — Old-age provision in occupational pensions
- ch.ch — The 2nd pillar
- BVG Guarantee Fund — Central Office 2nd Pillar
General information, as of 2026 — it does not replace personalised advice.