Are you looking for financial advice in Aarau that brings your commute, buying a home and your tax together into one calculation? Then you are in the right place.
Our advisors at Bahnhofstrasse 41 bring budget, pension provision, investments, mortgage and tax into a single picture – independently of any bank or insurer.
Aarau sits in the Mittelland between Zurich, Basel and Bern. Many households here work elsewhere and choose to live in Aargau – a financial decision with many moving parts.
Whether you are building wealth, buying property, planning retirement or handing over a business – we meet you where you stand today.
In person a few steps from Aarau railway station – or online, exactly as you prefer.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. comprehensive. for you. – that promise shapes our daily work. Our financial advice in Aarau begins with listening and ends with a plan that you decide on yourself. Three principles carry it:
Living in Aargau and working in Zurich or Basel is the normal case here. Commuting costs, tax where you live and property prices are connected – so we look at them together rather than separately.
The tax burden differs from municipality to municipality within the canton of Aargau. For home ownership, pillar 3a buy-ins and capital withdrawals that can make the difference – we calculate concretely.
Your existing relationship with Aargauische Kantonalbank or your own bank stays in place, as long as it works for you. We first review what you already have, and we do not sell products ourselves.
As the cantonal capital, Aarau combines administration, trades and industry – and is at the same time home to many people who work elsewhere. Our financial advice is for everyone who wants to turn that into a robust plan, with retirement provision, investments, mortgages and taxes as parts of the same calculation.
You will find an overview of all our locations – including Baden – on our Financial advice Switzerland page.
Living in Aargau, working in Zurich, Basel or Bern: that saves on rent and purchase price but costs time and travel money. We calculate the overall balance rather than just comparing the price per square metre.
Home ownership is within reach for many people in Aargau – and therefore the biggest decision in the family budget. Affordability, amortisation, fixed-rate periods and protection belong in one plan, not in four separate conversations.
The canton, the municipalities and energy and industrial companies shape the region. We read your pension statement, make sense of buy-ins and withdrawal options, and show what your starting position actually allows.
From the craft business to the supplier: we align private and business finances, secure liquidity and prepare pension provision and succession before it becomes urgent.
We deal with these and many other questions every day. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
You will find us at Bahnhofstrasse 41, 5000 Aarau – a few minutes' walk from the station and therefore easy to reach from Zurich, Basel or Bern as well. Appointments by video are possible too.
The initial consultation is free and without obligation. After that we work on a fee basis – as a flat fee for a defined engagement or at an hourly rate. You know the range before we begin; we earn nothing on the product.
That can only be answered with your figures. Purchase price, affordability, tax in your municipality, commuting costs and time all belong in the same calculation. We set the options side by side so you do not have to decide on gut feeling.
Yes. The tax burden differs from municipality to municipality within the canton of Aargau. For capital withdrawals, pillar 3a buy-ins and home ownership we therefore calculate with your actual municipality rather than a cantonal average.
No. We are bank- and product-neutral. Whether you are with Aargauische Kantonalbank, a regional bank or a large bank: we first review your existing solution and recommend a change only if it adds up for you.
Yes, we have two locations in Aargau: in Aarau at Bahnhofstrasse 41 and in Baden at Stadtturmstrasse 10. You are free to choose whichever location suits you better – the advice is the same.
smzh ag stands for independent, comprehensive, and tailored financial solutions that are accessible to everyone. Regular personal interaction with our clients is especially important to us. This is the only way for us to truly understand their goals and wishes, which are always at the center of our considerations. We are fully committed to finding the optimal solution for both your current life situation and any future needs.
We always act responsibly – towards our clients, our partners and society – by applying the greatest care to every decision.
The needs and goals of our clients are at the center of our daily work.
Trust is the foundation of our work – we protect it with the greatest care by always finding the best solutions for our clients.
Long-term, sustainable solutions for our clients.
We continually strive to develop innovative solutions that deliver real added value for our clients.
Our principle of independence allows us to always act in our clients' interests.
Fill in the form at the top of this page or give us a call – free and without obligation. We look forward to meeting you.
