Are you looking for financial advice in St. Gallen that fits the stage of your career – whether you are just starting out, running a business or planning retirement? Then you are in the right place.
Our advisors at Kornhausstrasse 25 bring budget, pension provision, investments, mortgage and tax into a single picture – independently of any bank or insurer.
Eastern Switzerland lives on industry and family businesses, and the university brings a steady stream of young professionals. Those two groups need very different plans.
Anyone who lives here and works in Austria or Liechtenstein – or the other way round – has additional questions. We put them in order.
In person in central St. Gallen – 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 St. Gallen begins with listening and ends with a plan that you decide on yourself. Three principles carry it:
At the start of a career the savings rate and pillar 3a matter; mid-career it is home ownership and protection; later it is staggering withdrawals and succession. We advise for the stage you are actually in.
We know the starting positions of the region's family businesses and industrial SMEs – and the tax differences between the St. Gallen municipalities. Both feed into the planning.
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.
St. Gallen combines a long-standing industrial and trade landscape with an academic centre and proximity to the border. 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 on our Financial advice Switzerland page.
First real salary, first pension fund, first pillar 3a question: in a university town many people begin here. We show which decisions are worth a lot now and which can wait.
In Eastern Switzerland wealth often sits inside the business itself. We separate private and business finances cleanly, secure liquidity and prepare succession early enough.
Amortisation, fixed-rate periods, affordability and protection belong in one shared plan – and your municipality's tax burden helps decide how much room is left.
Employment in Liechtenstein or Austria, residence in Eastern Switzerland: pension provision, insurance and tax then interlock differently. We show the interfaces and bring in specialists where needed.
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 Kornhausstrasse 25, 9000 St. Gallen – centrally located and easy to reach from the station. Appointments 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. You know the range before we begin; we earn nothing on the product.
Often yes – and usually a single conversation is enough. Your savings rate, pillar 3a and the choice of pension fund option have an effect over decades, yet are quickly clarified. We tell you openly if no engagement is needed at this point.
Yes. We look at private and business assets together, show the effects of a handover on pension provision and tax, and work with fiduciary and legal specialists.
Yes. We set out how your Swiss pension provision, insurance and tax interact with employment abroad, and bring in specialists for cross-border tax questions.
No. You can visit us at Kornhausstrasse 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.
