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Financial Planning for Young Professionals

Financial Planning for Young Professionals

Your first job opens an exciting new chapter in your life, full of possibilities and decisions. We’ll show you how to put your income to good use and will answer your financial questions. Our advice will depend on your unique needs and goals.

Young professionals

  • Plan a business start-up

  • Invest for growth

  • Ensure safety buffer

  • Optimize tax

  • I've inherited assets

  • Purchase a large asset

  • Start a family

  • Provide for my family

  • Partnership rules

  • Pay for my children's education

  • Estate planning

  • Buy real estate

  • Renovate real estate

  • Avoid pension gaps

  • Plan/finance early retirement

  • Rules for a loss of judgment

Plan a Business Start-up

Plan a Business Start-up

There’s more freedom and opportunity – but more risk, too. Self-employment demands careful planning. You not only need a business plan, but also an analysis of your finances. We’ll talk to you about equity financing and retirement savings.

Build Wealth

Save, invest or put away for retirement? We’ll show you different ways to build wealth over time. Your strategy will determine whether your wealth will grow, and how fast. We’ll discuss the risks and opportunities.

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Saving

An efficient savings plan is based on your current funds, personal risk tolerance and a monthly savings amount. Work out your personal savings strategy with us.

To the online savings advisor

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Investing

Use our knowledge of the investment market to make the right decisions. You determine how often we’ll meet, how exhaustive our consultations will be and how your portfolio will be monitored.

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Saving for retirement

Switzerland’s pension system includes government and occupational pensions (first and second pillar) as well as voluntary private pensions (third pillar). We will advise you on your options.

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Build Reserves

Build Reserves

Begin preparing for the unexpected as you start your career and lead a more carefree life. We’ll show you how to reach savings goals and build reserves with surprisingly small sums. Contact us for a consultation.

Save on Taxes

Every change in your life can have tax implications. The more you know about the consequences, the easier it will be for you to improve your tax situation.

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Change of residence

You’re thinking about moving? Please remember that tax laws vary between cantons and countries.

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Save for retirement

Do you have questions about your retirement provision as you begin your career? We are happy to advise you. Switzerland’s pension system includes government and occupational pensions as well as voluntary private pensions.

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Liabilities

Payments for some kinds of liabilities, such as mortgages and loans, have tax implications. Contact us for a consultation.

Accept Inheritance. Invest Assets

Accept Inheritance. Invest Assets

An inheritance completely changes the focus of your financial planning. Yesterday, your thoughts revolved around financing and retirement. Today, you’re focused on investing your inheritance intelligently. However, your investment strategy should take account of your current stage in life – whether you need cash now or want to build wealth over the long term. Contact us for a consultation.

Realize Your Dreams

You can’t fulfill all your dreams at once, especially when you’ve just started working. Set aside money regularly, and you’ll be able to reach big goals over time.

Start a Family

Start a Family

Children fill your life with wonder. But they’re also a big financial responsibility that you need to prepare for, especially when you're just starting your career. We’ll advise and assist you in financially planning for this stage in life.


Provide for Your Family
Cohabitation or Marriage?

Cohabitation or Marriage?

Marriage or cohabitation? It’s not just a personal preference. It affects your financial situation, too. For example, cohabiting partners file tax returns individually. Also, the law doesn’t cover inherited property or alimony claims following separation. If you’re not married, it may be wise to consider drawing up a written contract with your partner.


Pay for Your Child’s Education

Pay for Your Child’s Education

One day, your children will grow up and want to attend college or a vocational training program. We’ll explain how you can help your children enter the profession of their choice.

Plan Your Estate

With an inheritance plan, you can rest easy knowing your estate will be administered the way you want. Contact us to clear up unanswered questions.

Finance Your Own Home

Finance Your Own Home

When you buy a home, you generally make a down payment to cover part of the purchase price and take out a mortgage for the rest. It’s important for this long-term financial obligation to be affordable. We’ll work out the ideal financing plan with you.

Renovate or Modernize

Renovate or Modernize

Convert or renovate? They’re both hot trends. The secret to a successful modernization consists of three steps. First, list what you want to renovate. Then, find out how much the work will cost. Finally, work out the financing. Architects and construction advisors will help you with the planning. Appraisers will assess the value of your property after renovating.

 Save for Old Age

Save for Old Age

Good retirement provision starts on the first day of work. We’ll show you how you, as a young professional, can accomplish a lot with surprisingly small sums. The secret: the sooner you start saving, the more you’ll have in retirement. It’s worth doing. We’ll show you why.


Plan for Retirement

Plan for Retirement

The sooner you plan for retirement, the easier it will be to enjoy it later and live out your days just the way you want. We’ll advise you on saving for retirement, lowering taxes, drawing your pension and picking the best time to retire.

Prepare for Mental Incapacity

Prepare for Mental Incapacity

No one wants to think about mental and physical decline in old age. With an advance directive, you can make provisions for mental incapacity. You can nominate someone to handle your affairs if you become legally incapacitated.

Your Issues

Your Issues

Our advice – as distinctive as your needs. We look forward to talking to you. Select a topic and arrange a consultation.

3 Steps to Your Financial Consultation

Start your financial plan with us today. We’ll help you make your dreams come true.

01

Select topic

Educate yourself about the issues that matter for your financial plan. Write down your questions, goals and expectations for the personal consultation.

02

Arrange an initial consultation

Go to your branch, call us or use our online form. Tell us what financial issues you want advice on.

03

Start financial consultation

We’ll arrange a one-on-one meeting with you. At this free initial meeting, we’ll analyze your questions and determine the next steps with you.

Other Life Stages

We can advise you at any stage in life – from career starters to established professionals to retirees.


Professional

Professional

You’re in the prime of life, with plenty of personal and professional accomplishments and a clear vision of your future.

Retirement

Retirement

You want to enjoy the fruits of your labor, have all your affairs in order and be free from worries about the future.