By your sidefor every decisionthat matters.
A personal advisor who knows your story, brings in the right specialists at the right time and comes back to you every year. The same care for everyone, whatever the size of your wealth.
Seven steps, none left to chance.
- 01 · Listen
You talk. We listen.
Your work, your family, your plans, what worries you. Everything is noted, the attention stays on you.
- A first meeting with no commitment, by video, in Carouge or by phone
- A written, reviewed summary in your client area
- 02 · Understand
We bring your whole situation together.
Income, Swiss and French pensions, property, children, tax: we put it all on one map, on both sides of the border. A forgotten former 2nd pillar, for example, shows up straight away.
- Search for your vested benefits
- A complete map of your situation, with no double counting
- 03 · Goals
Your plans become costed goals.
"Retire at 60" becomes a date and an income. "Help our daughter" becomes an amount and a year. You set the priorities.
- Dated, costed goals, in your words
- Priorities agreed with you
- 04 · Explore
We compare the options.
We start from the risk you accept and the money you will need, and when. Then we test dozens of combinations and set aside those that fall outside that frame.
- Pension buy-ins, private pensions, investments and insurance compared
- Risk, cost and tax quantified for each option
- 05 · Recommend
One recommendation, explained simply.
We choose the solution that reaches your goals at the best cost. We explain it to you, and you can check every figure.
- Financial review presented, then shared as a PDF
- Formulas, assumptions and sources available
- 06 · Implement
We handle the paperwork.
Transfers, account openings, buy-ins: we prepare the documents, you sign online, we follow each file through to the end.
- Electronic signature, no travel needed
- Every file followed to completion
- 07 · Follow up
We keep track of your deadlines, year after year.
Pension certificate, ordinary assessment to request before 31 March, pension contributions before year end, annual review: everything is planned. If your life changes, the plan changes with it.
- Your deadline calendar in your client area
- Annual review, on a fixed date
The instruments your advisor uses.
Four sliders: your retirement income, with and without a plan.
Where do you stand, in thirty seconds?
An order of magnitude for illustration, with simplified assumptions (capped AHV, 5.5% pension conversion rate, return per profile). Your real review takes everything into account, on both sides of the border.
Receive my result by e-mail
Six views, in your client area.
The same screens as your advisor, with the same figures. You can even run simulations: "what if I retired at 62?"
Time works harder than the amount.
Interest earns interest. The hatched area is money you never paid in.
Monthly compounding · constant return assumed · example. Neither advice nor an offer within the meaning of FinSA.
Your situation deserves to be seen as a whole.
A first meeting to lay it all out: by video, in Carouge or by phone. With no commitment on your part.
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