Are you looking for financial advice in Lucerne that can also work with irregular income – and not just the textbook case from the brochure? Then you are in the right place.
Our advisors at Schwanenplatz 3 bring budget, pension provision, investments, mortgage and tax into a single picture – independently of any bank or insurer.
Central Switzerland is shaped by tourism, hospitality and a dense network of small and medium-sized businesses. Anyone earning seasonally or self-employed here needs planning that can absorb the swings.
Then there is the tax landscape: there are noticeable differences between the city of Lucerne, the rural Lucerne municipalities and the neighbouring cantons. We calculate with where you live.
In person at Schwanenplatz, a few steps from the lake – 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 Lucerne begins with listening and ends with a plan that you decide on yourself. Three principles carry it:
Season, order book or tips: not every income arrives twelve times the same. We plan with a robust lower bound, define a genuine liquidity reserve and set out what happens in the good months.
The tax burden differs from municipality to municipality within the canton of Lucerne – and the neighbouring cantons are close by. For pillar 3a buy-ins, capital withdrawals and home ownership that can make the difference.
We are tied to no bank and no insurer, and first review what you already have. You pay for analysis and recommendation; any retrocessions are disclosed and passed on to you.
Lucerne lives on tourism, hospitality, trades and a broad network of small and medium-sized businesses – plus commuters heading towards Zug and Zurich. Our financial advice is for everyone who wants to turn that starting position 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 on our Financial advice Switzerland page.
Seasonal posts, changing hours and income that fluctuates across the year: we build a budget that survives the weak month, and check whether your pension provision catches the gaps left by part-time or seasonal work.
Without an employer there is no automatic pension provision. We structure pillar 3a, voluntary provision and liquidity so that both the business and the household remain sustainable – including at succession.
Rents in the city, purchase prices in the countryside, tax differences between municipalities: where you live is a calculation too. We work through the options before you sign.
Working in Zug or Zurich, living in Lucerne: that changes tax, commuting deductions and the question of where home ownership pays off. We look at your place of work and your place of residence together.
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 Schwanenplatz 3, 6004 Lucerne – centrally located and a few minutes' walk from Lucerne railway station. 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.
Yes, and then it matters even more. We do not plan with the annual average but with the actual pattern: how low does the weakest month fall, how large does the reserve have to be, and what happens to the surplus from the high season? That produces a plan which does not tip over at the first bad quarter.
Yes. The tax burden differs from municipality to municipality within the canton of Lucerne, and the neighbouring Central Swiss cantons are close by. For capital withdrawals, pillar 3a buy-ins and home ownership we therefore calculate with your actual municipality.
Without an employer the second pillar does not arise automatically. We look at which options are open in your situation, how they work for tax, and how much liquidity you should keep in the business in parallel.
No. You can visit us at Schwanenplatz 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.
