Are you looking for financial advice in Bern that looks at your whole budget – and does not just sell you a product? Then you are in the right place.
Our advisors at Kornhausplatz 14 bring income, spending, pension provision, mortgage, insurance and tax into a single picture – independently of any bank or provider.
In the canton of Bern your municipality of residence helps decide how much of your income is left. We calculate with your municipality, not with an average.
Whether it is your first flat, starting a family, planning retirement or handing over a business – we meet you where you stand today.
In person in Bern's old town, a few minutes' walk from the 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 Bern begins with listening and ends with a plan that you decide on yourself. Three principles carry it:
We are tied to no bank and no insurer. Your existing relationship with BEKB, Valiant or your regional bank stays as it is, as long as it works for you – we first review what you already have.
Within the canton of Bern the tax burden differs markedly from municipality to municipality. That affects pillar 3a buy-ins, withdrawal timing and how affordable your mortgage is – we calculate concretely.
Budget, pension provision, insurance, mortgage and tax are connected. With us they run through one contact person – not five counters, each with its own recommendation.
Bern is a centre of public administration, education and healthcare – many households here live on stable employment and still have open questions about pension provision, home ownership and tax. Our financial advice is for everyone who wants clarity, whatever their wealth or stage of life. We think about retirement provision, mortgages, insurance and taxes together.
If your main interest is investing and building wealth, you will find more on our Wealth advice Bern page. For an overview of all our locations, see Financial advice Switzerland.
Federal administration, canton, city, university, Inselspital: a secure income and a good pension fund are a strong basis – but not a plan. We show what you can actually achieve from that starting position.
In the canton of Bern home ownership is more widespread than in many cities – and therefore often the largest item on the family balance sheet. Amortisation, fixed-rate periods, affordability and protection belong in one shared plan.
From SMEs in the Mittelland to businesses in the Emmental and the Oberland: we align private and business finances, secure liquidity and structure pension provision and succession.
A job change, starting a family, separation, an inheritance or a move to another Bernese municipality: each of these changes the calculation. We provide an overview before decisions are made.
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 Kornhausplatz 14, 3011 Bern – right in the old town and a few minutes' walk from Bern railway station. Appointments in the evening or by video are possible too, if that fits your day better.
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, depending on scope. You know the range before we begin.
Yes, and considerably more than many expect. Within the canton of Bern the tax burden differs markedly from municipality to municipality. That affects pillar 3a buy-ins, withdrawal timing and mortgage affordability – so we calculate with your actual municipality.
Yes. In Bern many households are insured with a public-sector fund. We read your pension statement, make sense of buy-ins and withdrawal options, and align them with your budget, pillar 3a and tax planning.
Financial advice looks at your entire household: budget, protection, pension provision, home ownership and tax. Wealth advice goes deeper into investing – portfolio structure, investment strategy, rebalancing. Many people start with the overview and only then go into depth.
No. You can visit us at Kornhausplatz or run the advisory process entirely by video – many people combine the two. We exchange documents digitally; in substance nothing differs.
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.
