Solutions for private individuals.
Security that creates freedom.
We create clarity, reduce complexity, and personally support you in important financial decisions. When insurance and pension planning are properly aligned, the result is more than security: you gain financial freedom, greater ease in everyday life, and more room for the life that matters to you.
Vorsorge soll dir Sicherheit geben und Freiraum schaffen. Kontaktiere uns – gemeinsam finden wir eine Lösung.
Pension Planning
Are the state pension and occupational pension fund sufficient to maintain your standard of living in retirement? How are you protected in the event of illness, accident, or incapacity to work – and are you making sensible use of your tax opportunities?
We take a holistic look at your pension situation, identify potential gaps, and support you with your individual future planning – whether in building wealth, tax matters, protecting your family, or planning for retirement.
This creates a pension structure that fits your life and gives you more security, freedom, and predictability for the future.
- Pillar 3a
- Pillar 3b
- Life insurance
- Term life insurance
- Death and disability protection
- Mortgage protection
- Retirement planning
Insurance
Are the premiums for my insurance policies appropriate, and do they meet my needs? Who can I contact in the event of a claim?
We optimize your existing insurance portfolio, helping you save both time and costs.
Health insurance is one of the most important elements of your personal protection. Basic insurance is mandatory for every person in Switzerland and covers the legally required benefits in the event of illness, accident, and maternity. Voluntary supplementary insurance allows coverage to be expanded individually and adapted to personal needs.
In addition to choosing the right health insurer, the deductible, insurance model, and desired supplementary coverage also play an important role. We help you understand the various options, compare benefits and premiums, and find the optimal solution for your personal situation.
Household contents insurance provides financial protection for your household possessions and protects your furnishings and personal belongings against the financial consequences of unexpected damage events.
Needs-based insurance protection starts with correctly determining the insured sum and selecting the appropriate coverage. We review existing solutions, analyze your individual living situation, and ensure that your household contents and your family’s financial security are optimally protected.
Building property insurance protects your home against the financial consequences of unforeseen damage. Depending on the canton and selected insurance coverage, it includes fire, natural hazard, and water damage, among other useful supplementary coverages.
In most Swiss cantons, building insurance is organized through the cantonal building insurance provider. In the so-called GUSTAVO cantons (Geneva, Uri, Schwyz, Obwalden, Ticino, and Appenzell Innerrhoden), there is no cantonal building insurance. In these cantons, coverage is arranged through private insurers, which means benefits and premiums may vary.
We review your current living situation, the building value, and your existing insurance coverage. After conversions, renovations, or other changes, we check whether the insured sum is still sufficient and whether all relevant risks are covered. This helps avoid underinsurance or overinsurance and ensures your home is optimally protected.
So you can focus on driving, we take care of the rest.
Whether registering a new vehicle, changing vehicles, or optimizing your existing insurance – we compare the market, obtain quotes, and find the right insurance coverage at a fair price. Together, we review which coverages you truly need and whether your vehicle is optimally protected.
A mishap can happen quickly – but the financial consequences can be significant. Personal liability insurance protects you if you cause damage to another person or their property.
We review your insurance protection, advise you on suitable coverages, and ensure that you and your family are comprehensively protected in everyday life.
Not every conflict can be resolved through a conversation. Whether in road traffic, at work, with a landlord, or after a purchase – a legal dispute can quickly lead to high costs.
Legal protection insurance supports you with legal advice and, depending on the coverage, covers attorney, court, and procedural costs. We review which modules make sense for your life situation, compare different offers, and ensure that you are optimally protected if the worst happens.
Mortgages
The right mortgage is more than just financing – it is the foundation for your future.
That is why we compare the terms offered by various banks and financing partners for you, analyze your financial situation, and develop a financing solution tailored to your goals. With personal advice, independent recommendations, and transparent support, we create the basis for secure and sustainable financing.
With a fixed-rate mortgage, you benefit from a fixed interest rate over the entire term. This keeps your financing costs predictable and protects you against rising interest rates during the contract period. It is particularly suitable for anyone who values security and long-term planning.
The variable mortgage offers you maximum flexibility because it is not tied to a fixed term. The interest rate is based on current market developments and is adjusted accordingly. It is especially suitable if you want to keep your financing flexible or switch to another mortgage model at a later date.
SARON (Swiss Average Rate Overnight) is an interest rate index calculated since 2009 based on completed transactions and binding quotes (buy and sell prices) in the Swiss money market.
Developed by SIX Group AG in cooperation with the Swiss National Bank (SNB), SARON is publicly accessible, robust, and meets international benchmark standards. Every day after the close of trading (18:00 UTC), SARON is calculated and published by SIX, the institution that operates the infrastructure for the Swiss financial center.
Real Estate
Buying or selling a property is an important decision – we make sure it is in the right hands.
Together with our experienced real estate partners, we personally accompany you through the entire purchase or sales process – from the initial consultation to successful completion.
We support you with all questions related to your financing.
Whether it is a new mortgage, the extension of existing financing, or the optimal choice between direct and indirect amortization – we provide independent advice, compare the terms offered by various banks, and find a solution that fits your needs and future plans. Personal, transparent, and focused on achieving the best long-term outcome for you.
