"A goal without a plan is just a wish".
Independence means freedom, your own decisions, your own success, your own Responsibility. But it is precisely this freedom that poses a particular challenge: anyone who works independently also bears full responsibility for their own financial future. There is no automatic BVG connection or standardised pension solutions that run in the background. What is not planned does not happen by itself.
Especially as an entrepreneur or self-employed person, income fluctuates, assets are often held in your own company or in property and private and business issues intertwine. Targeted pension planning creates structure, brings clarity and enables decisions to be made consciously and at the right time. Those who understand how private and business areas interact recognise opportunities, minimise risks and gain security in their actions.
A forward-looking Pension planning for the self-employed does not mean restrictions, on the contrary: those who start early remain flexible. Whether expanding your business, reducing your workload, gradual withdrawal or a clearly defined retirement. Pension planning makes options visible and goals realisable. As an experienced partner, we take a holistic view of your personal situation, from your current income structure to life after self-employment.
The result is a personalised pension plan that sensibly combines financial, tax and personal aspects and provides orientation when clarity is crucial.
Pension planning becomes tangible when it is translated into concrete steps.
Financial inventory: Record income, expenses, company values, assets and existing provisions.
Strategy development: Define goals and needs, select tax-optimised pension and investment solutions, plan liquidity and reserves.
Realisation: Building up private pension provision and integrating entrepreneurial aspects.
Regular review: Adapt planning to business developments, market conditions or personal life goals.
Pension planning is not a one-off step, but an ongoing process. We support you from analysing your current situation to developing tailor-made strategies and implementing them. Regular reviews ensure that your planning is always adapted to your current situation and that you can react flexibly to changes, whether in the company, in the tax environment or in your private life.
Our advice - your added value: We look forward to supporting you with your holistic pension planning.
As a self-employed person with a sole proprietorship, you can voluntarily insure yourself in the 2nd pillar, for example through a pension fund. The relevant compensation fund will decide whether you are considered self-employed for social insurance purposes. If you do not have any employees, you can voluntarily join the 2nd pillar via a management association, an industry solution or the Substitute Occupational Benefit Institution. If you have employees, you also have the option of joining a collective foundation.
Early retirement is possible as a self-employed person, but requires careful planning. Your pension assets, income structure and possible liquidity reserves are crucial. You need to check how early retirement will affect your AHV, 2nd and 3rd pillars as well as your taxes and business obligations. Personalised pension planning shows whether and when early retirement is financially feasible and what adjustments are necessary to ensure a carefree retirement.
For many self-employed people, the AHV pension alone is often low, while a large proportion of their assets are tied up in the 3rd pillar or as liquidity in the company. Early planning with regard to home ownership and mortgages is therefore crucial.
Pension planning is generally recommended from around the age of 45 to 50, although it is never too early to start thinking about this topic. In this phase of life, financial goals can be clearly defined, optimisation options can be examined and tax advantages can be exploited, which expands the scope for action for the future. From the age of 50 at the latest, in-depth planning makes sense in order to recognise any pension gaps and to be able to precisely assess the individual starting position.
Holistic financial planning combines different areas of life: income and expenditure, taxes, pension provision (AHV, pension fund, pillar 3a), property financing and estate and inheritance planning. The advantage is that interactions can be recognised at an early stage, for example how a pension fund withdrawal affects taxes or home ownership. Professional financial planning ensures that all factors interact and that you have long-term clarity about your own financial situation.
