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OUR CONCEPTS
In our complex financial world, it is crucial to make smart decisions for your own financial future. Often, traditional methods and products are adopted without having checked their effectiveness, advantages and disadvantages, or whether they are a good fit for your own situation.
The tempting offers of so-called government gifts, such as allowances, tax benefits or the promised net savings in company pension plans, also attract a lot of attention.
But what do the common terms interest, guarantees, allowances and tax savings really mean? Are they ultimately the solution or the problem?
Our goal with you is to understand money and the differences between the systems of monetary and material assets.
The analysis and integration of existing, non-country-specific precautionary measures into a new concept takes place across borders.
Especially for country-specific pension programs from Germany and Switzerland , you can find a suitable overview by clicking on the respective country.
In addition to pension planning, all aspects of financial future planning are an important part of your individual concept.
From financing a car or your children's education to saving up equity for a property. Your goals and wishes are in the best hands with us.
IN 3 STEPS TO YOUR CONCEPT
ANALYSIS
EVALUATION
GOAL
Before we make a recommendation for an investment, we gather the necessary information, including details about previous investments – preferably based on the relevant contract documents. Your goals and wishes are also important factors.
Aus diesen Daten werten wir die bisherige Rentabilität und die zu erwartende Entwicklung jeder einzelnen Investition und Anlage aus. Wir kommentieren wesentliche Gegebenheiten aus dem Kleingedruckten der Verträge, die es zu beachten gilt. Auch überprüfen wir die Art der Investition gegenüber dem Zweck, den sie erfüllen soll. Ein wichtiger Bestandteil unserer Konzepte ist, die Einflüsse von Steuer und Inflation bei einer zu erwartende Wertsteigerung deiner Anlagen zu berücksichtigen.
In this process, we determine which investments belong in your portfolio and which truly preserve the purchasing power of your wealth, because goals change over the course of life. After evaluating your information, you will receive a concept from us in which, if desired, we can transfer all of your previous assets and investments.
YOUR CONCEPT, YOUR PROPERTY
You share your opinion with us, and ultimately, this results in YOUR individual concept. We implement it for you, including all correspondence.
The concept adapts to changing situations in your life. It has:
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no predetermined duration
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no conditions
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and is exclusively your property.
You’ll find that you often don’t need to invest any additional money to create a meaningful concept for yourself, as we can use everything you've already built or save monthly and simply transfer it into your new portfolio.
What does it cost you?
Feel free to have a free conversation with us, either in person or via Zoom —over 40 years of experience are at your disposal.
COUNTRY-SPECIFIC PREVENTION PROGRAMS GERMANY
COMPANY PENSION PLAN
PUBLIC LAW MANDATORY SYSTEMS
PRIVATE PROVISION
direct insurance
pension fund
pension funds
support fund
direct commitment
supplementary function
statutory pension insurance
civil service pension scheme
pension provision for farmers
professional pension scheme
control security function
"Riester" contracts
basic pension contracts
private pension insurance
supplementary function
We will address the precautionary measures in the yellow- bordered columns together with you in your new concept.
We will show you how to get out of unwanted contracts and insurance policies and what options there are, through existing laws and rulings, to get more than just the so-called surrender value.
We will also show you how it is possible to create a profitable investment for you from a Riester and Rürup contract (basic pension), even from a company pension plan before you reach retirement age, available at any time - even inheritable.
We also work with law firms specializing in the legal review of life insurance policies.
COUNTRY-SPECIFIC PREVENTION PROGRAMS SWITZERLAND
STATE
PREVENTION
OCCUPATIONAL PENSION PLAN
PRIVATE
PREVENTION
AHV (Old Age and Survivors' Insurance)
IV (disability insurance)
supplementary benefits
livelihood security
pension fund (BVG – occupational pension scheme)
Supplementary Provision
maintain standard of living
Pillar 3a (tied pension provision)
Pillar 3b (free pension provision)
additional needs
We will address the precautionary measures in the yellow- bordered columns together with you in your new concept.
We will show you how you can get out of unwanted insurance and pension plans in Switzerland and what options are available.
We will also explain how you can turn your Pillar 3a or 3b, or even your pension fund, into a profitable and flexible investment for you before you retire – available at any time and inheritable.