Situation
You don't pay anything into your 3rd pillar.
Consequence
Every year, you miss out on a deduction of up to CHF 7'258 from your taxable income (2026).
Tax planning
Pay the right amount of tax, not a franc more.
Pillar 3a, pension fund buy-ins, lump-sum withdrawals, quasi-resident status: your pension decisions are also tax decisions. We plan them with you.
Why it matters
Very real situations.
Situation
You are planning to withdraw your 2nd and 3rd pillars in the same year.
Consequence
The amounts are added together to calculate the tax on lump-sum benefits: the bill can be considerably higher.
Situation
You work in Switzerland but live abroad.
Consequence
As you are taxed at source, you may be able to request a subsequent ordinary assessment in order to claim your deductions.
What we optimise
The essentials, explained simply.
3a deductions
Pay in the maximum amount every year and, since 2026, make up 3a gaps arising from 2025 onwards.
Planned pension fund buy-ins
Spread buy-ins over several years to optimise the tax effect, while observing the three-year period before any lump-sum withdrawal.
Staggered withdrawals
Several 3a accounts and withdrawals planned over several tax years to limit the effect of progressive tax rates.
Retirement planning
Timing of withdrawals, choice between pension and lump sum, place of residence: a strategy to build several years before you retire.
Standard deductions
Professional expenses, insurance premiums, childcare costs, donations: nothing should be left out of your tax return.
Cross-border workers & quasi-residents
If at least 90% of your household's worldwide gross income is taxable in Switzerland, a subsequent ordinary assessment (TOU/NOV) is possible.
Tax return support
We prepare your pension certificates with you and work in coordination with your fiduciary (accountant).
Points to watch
The mistakes we see most often.
- 01
Withdrawing all your capital in the same year
Tax on lump-sum benefits is progressive: combining 2nd and 3rd pillar withdrawals in the same year increases the rate applied.
- 02
Buying in just before a withdrawal
A pension fund buy-in followed by a lump-sum withdrawal within three years can lead to the tax deduction being reversed.
- 03
Missing the TOU/NOV deadline
In Valais, the application for a subsequent ordinary assessment must be submitted by 31 March of the year following the tax year concerned at the latest — and renewed every year by non-residents.
- 04
Only one 3a account
A 3a account has to be withdrawn in one go. With several accounts, you can spread your withdrawals over several years.
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
Tax planning:your questions.
Our experts' answers to the questions we are asked most often.
All of your 3a contributions, up to the ceilings: CHF 7'258 if you are a member of a pension fund, otherwise 20% of your earned income, up to a maximum of CHF 36'288. The tax saving depends on your marginal tax rate: the higher your taxable income, the bigger the saving.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Pensions & retirement
Optimising your 2nd and 3rd pillars.
- Pension fund buy-in
- Optimised pillar 3a
- Income protection insurance
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
Property insurance
Protection for your property investments.
- Building insurance
- Loss of rent
- Property owner's liability
Official sources
- FTA — Maximum pillar 3a deductions (direct federal tax)
- FSIO — Pillar 3a buy-ins (in French)
- Canton of Valais — Subsequent ordinary assessment (TOU, in French)
- FTA — Tax at source
General information, as of 2026 — it does not replace personalised advice.