Are you looking for financial advice in Switzerland that offers more than standard solutions and product sales? At smzh it is not spreadsheets that come first, but your goals, your values and your plans for life.
Our experienced financial advisors support you across the whole of Switzerland – independently, understandably and as equals. Whether you are building wealth, planning your pension, optimising existing financial structures or want a holistic strategy: we meet you where you stand today and develop a clear roadmap for tomorrow with you.
In person at one of our offices or entirely digitally – your financial advice fits around your day, not the other way round.
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 begins with listening and ends with a solution that fits your life, not a product catalogue.
Financial decisions always affect more than a single account or portfolio. We look at your situation as a whole – from income, spending and assets through pension provision and tax to property and protection. That is how we avoid expensive gaps and duplication.
We are not tied to any bank, insurer or product provider. Our recommendations follow your interests and goals alone – not commissions or sales targets.
Finance without the jargon: we explain topics such as the three-pillar system, asset classes, tax effects and risk profiles so that you can make decisions with confidence. Transparent, structured and in language you understand.
Tax, pension provision and financial planning differ by canton and by stage of life. Our advisors know the particularities across Switzerland and take regional differences into account – wherever in the country you live.
Our financial advice is for everyone who wants to shape their financial future actively – whatever their wealth or stage of life. What matters is not how much you already have, but that you want clarity and direction. It sits alongside investments, retirement provision, taxes and mortgages.
Would you like to build wealth, plan your retirement, or find out whether your current financial structure still fits you? We help you combine saving, investing and protection sensibly – matched to your stage of life and your goals.
You carry responsibility for yourself, your business and often your employees too. We help you align private and business finances, secure liquidity, structure pension provision and reduce risk – so you can concentrate on your business.
New to Switzerland, or here only a short while? The Swiss financial and pension system is complex. We explain the essentials, help with account and investment questions, point out the tax particularities and support your first financial decisions in a new environment.
A career move, starting a family, divorce, an inheritance, selling a company or the step into retirement – each of these changes your financial starting position. We provide structure, an overview and a clear plan, so that you still make good decisions in demanding phases.
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.
The first conversation at smzh is always free and without obligation. The costs after that depend on the scope and complexity of your situation. We work with transparent flat fees or hourly rates – no hidden commissions and no pressure to buy products. You always know in advance what to expect.
In Switzerland many financial products are sold through banks or insurers, where sales targets can come first. Independent financial advice puts your interests at the centre: we are tied to no provider, compare solutions objectively and recommend only what fits your goals.
No. Our financial advice is expressly not just for the wealthy. Many of our clients are in the middle of their working lives, building wealth, planning retirement or simply wanting clarity about their finances. What matters is the wish to make well-founded decisions, not the size of your account balance.
Yes. You can choose whether to visit us in person at an office or run the advisory process entirely online. Many clients combine the two – an initial conversation online, for example, and a personal appointment later. That keeps your financial advice as flexible as your day requires.
Thirteen locations in German-speaking Switzerland: Zurich, Bern, Basel, Lucerne, St. Gallen, Aarau, Baden, Chur, Frauenfeld, Sursee, Pfäffikon SZ, Arosa and Buchs SG. You will find an overview with addresses further down this page, and you are free to choose whichever office suits you best.
smzh combines personal, independent advice with a broad network of specialists in tax, pension provision, insurance and real estate. We do not treat finances in isolation but as part of your overall life planning. Our approach is long-term, holistic and consistently in our clients' interests – tailor-made. comprehensive. for you.
Tödistrasse 53, 8002 Zurich, Switzerland
Kornhausplatz 14, 3011 Bern, Switzerland
Barfüsserplatz 3, 4051 Basel, Switzerland
Schwanenplatz 3, 6004 Lucerne, Switzerland
Kornhausstrasse 25, 9000 St. Gallen, Switzerland
Bahnhofstrasse 41, 5000 Aarau, Switzerland
Stadtturmstrasse 10, 5400 Baden, Switzerland
Grabenstrasse 7/9, 7000 Chur, Switzerland
Bahnhofstrasse 55, 8500 Frauenfeld, Switzerland
Bahnhofstrasse 33, 6210 Sursee, Switzerland
Churerstrasse 24, 8808 Pfäffikon SZ, Switzerland
Poststrasse 144, 7050 Arosa, Switzerland
Bahnhofstrasse 22, 9470 Buchs SG, Switzerland
Zurich, Bern, Basel, Lucerne, St. Gallen and Aarau each have their own page in English. Our seven other locations each serve a region with its own particularities – from second homes in an alpine canton to working across a national border. What that means for your planning, you can read here.
Stadtturmstrasse 10, 5400 Baden. A region shaped by technology and industrial employers: good pension funds, variable salary components and a short trip into the Limmat Valley. We work through your place of residence, your commute and your municipality's tax burden together.
Grabenstrasse 7/9, 7000 Chur. In Graubünden two themes dominate: second homes and property in tourist municipalities, and the large tax differences between Graubünden municipalities. Both affect home ownership, withdrawals and estates.
Bahnhofstrasse 55, 8500 Frauenfeld. The Thurgau cantonal capital lives on agriculture, food production and supplier industry. Business assets, farm handovers and proximity to the German border raise questions that standard advice rarely covers.
Bahnhofstrasse 33, 6210 Sursee. In the Lucerne countryside home ownership is within reach for many families, and numerous households commute to Lucerne, Zug or Zurich. Affordability, amortisation and municipal taxes belong in the same calculation.
Churerstrasse 24, 8808 Pfäffikon SZ. The canton of Schwyz combines a comparatively low tax burden with an established financial services environment. Frequent themes: relocation and residence questions, several banking relationships, estate planning.
Poststrasse 144, 7050 Arosa. In the mountain region much income arrives seasonally – from hotels, restaurants, mountain railways and self-employment. A plan has to survive the weak month and put the peak-season surplus to sensible use.
Bahnhofstrasse 22, 9470 Buchs SG. In the St. Gallen Rhine Valley, right on the border with Liechtenstein and Austria: many people live here and work in the neighbouring country, or the other way round. Pension provision, insurance and tax then interlock differently.
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.
