Swiss Family Office and fiduciary services company

If you are looking to acquire new property, we can advise you at every stage of the process. Our close ties with the main financial and insurance institutions will work to your advantage as we structure the financing of your property and negotiate the best conditions.

Finding your dream property can take time. So why not capitalise on our expertise and connections with property-sector specialists to help make your search a success? Based on your selection criteria, we will identify multiple properties so that together we can choose the one best suited to your needs.

The private pension provision has been enshrined in the Federal Constitution since 1972. It is one of the constitutive elements of Switzerland’s three-pillar system of old-age, survivors and invalidity benefits. The Swiss Confederation and its cantons encourage private pension planning, in particular via tax provisions and a policy of facilitating the acquisition of property. The regime for pillar 3a (linked or tied pension provision) is determined by the law of 13 November 1985 on tax deductions allowed for contributions to recognized pension schemes, which came into force on 1 January 1986. There is also a pillar 3b (flexible pension provision), but the contributions made are only tax-deductible in certain cantons. The private pension market is extensive, which is why we propose to help you choose the product that is right for you.

Together, we will discuss your requirements in order to define an investment portfolio that aligns with your expectations in terms of risk and return. We also offer regular, clear and precise reporting on the evolution of your portfolio. We work closely with the main universal banks in Switzerland as well as the top private bankers in Geneva. Whereas these institutions are responsible for all operations related to management and custody of securities, we make the investment decisions based on your investment strategy.

We partner with you on risk, insurance and pension planning issues in order to provide you with a comprehensive, personalised risk analysis and optimal insurance solutions. As an independent intermediary, we are able to maintain a neutral position vis-à-vis the relevant providers, which allows us to concentrate on your needs and defend your interests.

The basic principle of old-age and survivor provisions (3-pillar system) was accepted by popular vote on 3 December 1972 and incorporated into article 34 of the former Federal Constitution (article 111 of the new Federal Constitution). According to this constitutional provision, the Confederation takes the measures necessary to ensure sufficient benefits in case of old age, death and disability. Such benefits are provided via federal old-age, survivors and invalidity insurance, professional pension planning and private pension planning.

Professional pension planning allows people who have reached the age of retirement, surviving dependents of the deceased and people who develop an illness or disability to maintain the standard of living they had previously. Meeting this objective requires that employers register their personnel with an employee benefits institution and cover at least half of employees’ contributions. The federal law governing occupational pension planning (BVG/LPP) came into force on 1 January 1985.

Self-employed individuals can take out voluntary insurance and benefit from the same conditions as those offered to employees.

The 2^nd pillar is subdivided into pillars A and B:

• 2^nd pillar A covers legally required insurance (mandatory)
• 2^nd pillar B corresponds to voluntary insurance (extra-mandatory)

Under pillar 2b, employers may enrol their employees in a company pension scheme that goes beyond what is legally required in order to provide employees and their families with a level of social security that is superior to that provided by the mandatory scheme.