We start with the essentials

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We start with the essentials

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How much buyback or buyforward can I make and when is the best time to do it? Can you help me interpret my 2nd pillar statement and explain how it can work for me?

This will depend on the time you’ve spent working in Switzerland and your current age and salary. It will also depend on the specific pension foundation you contribute to. We can help to clarify this information by simply looking at your second pillar statement.

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We do not charge for our consultation – we’ll never send you a bill. So how do you get paid…?

Just like a bank we won’t charge you for information or advice. We are an impartial advisory and are remunerated by the numerous institutions we represent. We have no hidden charges and will never send you a pink slip for the time we spend with you.

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Can I reduce the taxes charged on my pension when I leave Switzerland?

Yes, by using the Libre Passage you can reduce the exit taxes you would be required to pay when leaving Switzerland and extracting your pension, but how much you can take depends on where you are going to and how much you have in the extra-mandatory portion of you pension.

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What do I have to do to claim my tax rebates from 3rd pillar or buyback this year?

Yes, you must complete the ‘rectification of withholding tax’ document and attach the summary of contributions from your pension provider. We can provide the correct document for your specific canton and talk you through it if you don’t speak the language.

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What are the real differences between the 3rd pillar solutions in Switzerland? Which is the best for me, and how soon should I get one established?

Key characteristics include investment policy, historical investment performance, technical growth rate, premium waiver cost, customer service, FATCA compliance, premium payment flexibility and more. We can help you understand which solution would be best for your circumstances.

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WHO WE ARE

We are a team of financial advisors working closely together with our clients to help them understand their opportunities and entitlements in Switzerland and to improving their financial situation.

WHAT WE DO

Our mission is to help our clients fully understand their options and take control of their financial future by providing the right answers to their questions, and helping them make informed, decisions.

REGULATION

Swissential SA is registered as an Insurance Intermediary with the Swiss Financial Market Supervisory Authority (FINMA) and also a Member of and regulated by the Association Romande des Intermédiaires Financiers (ARIF).

Focus on Switzerland?

Moving to Switzerland?

Switzerland has unique customs and rules that are complex and sometimes difficult to understand. We provide clarity and inform you about financial opportunities you may not know about.

Settling in Switzerland?

If you’ve settled in Switzerland we can help you to review your current financial situation in order to take advantage of the many financial opportunities that Switzerland has to offer.

Leaving  Switzerland?

If you are planning to leave Switzerland let us help you to understand your financial entitlements and obligations to ensure that nothing is left behind or have any unwelcome surprises.
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