Swiss Family Office and fiduciary services company
ABOUT US
OctoFinance is an independent Swiss financial company offering Family Office and fiduciary services.
OUR SERVICES
We offer personalised services, perfectly tailored to the needs of our clients.
OUR ADDED VALUE
We are by your side to provide advice on financial, property, tax and insurance issues.
Family Office
Your personal and professional financial situation will change throughout your life. Being prepared for these changes calls for careful decision-making based on sound, in-depth analysis. We conduct a thorough evaluation of present and future factors to help you make the important decisions. A comprehensive evaluation of your finances will allow us to determine whether your current asset structure is adapted to your needs and goals. In order to make this evaluation, we conduct a thorough review of your assets and financial obligations, also taking into account fiscal, inheritance and pension laws.
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.
Every financial decision has tax implications. Whether you are an entrepreneur, a salaried employee or retired, a thorough evaluation of your financial situation will help you make the right decisions to optimise your tax position. We can take care of tax formalities for you by completing your tax returns. We also provide advice and liaise with the cantonal tax authorities to provide necessary financial data or resolve tax-related issues.
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.
Careful planning will help you reduce your tax burden. We explore tax opportunities with you based on your assets and financial obligations in order to identify the best time to act. We then present you with possible scenarios for improving your tax position as well as the recommendations we plan to implement, with your consent.
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.
Companies
OctoFinance can help you set up your company (PLC/Corp./SA or LLC/Ltd./Sàrl) and draft the statutes, shareholder agreements, if applicable, and partnership agreements. The founding of a company must also be authenticated by a notary in Switzerland. Once it has been established, your company will need to be registered with various administrations, institutions and insurance providers (AHV/AVS, BVG/LPP, UVG/LAA, etc.).
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 2nd pillar is subdivided into pillars A and B:
- 2nd pillar A covers legally required insurance (mandatory)
- 2nd 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.
Our accounting services for SMEs and private clients include:
- Keeping the accounts (this can be done on the client’s premises)
- Managing salaries and social charges
- Calculating tax at source
- Closing, help in drafting financial statements
- Preparing the General Meeting and minutes
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.