Welcome to smzh – your partner for a financially secure marriage. We support you in setting course for a worry-free future. With customized advice in the areas of law, insurance, and finance, we accompany you on your journey. Trust smzh to start your joint financial future securely, in a structured way, and well-prepared.
In Switzerland, the statutory matrimonial property regime for married couples is that of acquired property. This regime ensures that assets accumulated during marriage are shared between both partners, while personal assets remain individual property. Individual arrangements – such as opting for community of property or separation of property – require a marriage contract.
Such a contract also allows you to designate the acquired assets to be transferred directly to the surviving spouse in the event of death, without requiring the consent of your children. From tailored prenuptial agreements to comprehensive inheritance solutions, smzh offers you expert support to ensure that your partnership is legally and financially protected in line with your wishes. Rely on our expertise for solutions that reflect your shared values and plans for the future.
Couples can adjust the matrimonial property regime to their individual circumstances. The available options include participation in acquired property, community of property, and separation of property. With a marriage contract, couples can specify how assets and debts are managed during marriage and in the event of separation or death.
A marriage contract can govern how joint assets are to be managed and used. This enables couples to determine whether both partners manage their wealth together or whether one of the two is responsible for doing so.
A marriage contract makes it possible for couples to influence the statutory line of succession and in particular safeguard the surviving spouse in the event of death. For instance, spouses can agree that the surviving spouse receives all of the acquired property without having to share it with the descendants.
Some couples decide to regulate potential alimony obligations in case of divorce in a marriage contract. The amount and duration of alimony payments can be determined in advance, protecting both parties.
Couples can also decide that certain assets such as inheritances or gifts are to be considered own property rather than acquired property. This protects one's personal property and ensures that it does not need to be divided.
An inheritance contract can also determine who is responsible for which debt and whether this debt is to be divided in case of separation or assumed by one partner.
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.
Since January 1, 2023, Swiss inheritance law offers greater flexibility in estate planning. The compulsory portion of descendants was reduced to 50% of the statutory portion, while the compulsory portion of parents was completely abolished. These adjustments enable testators to design their estate more individually, for instance financially safeguarding their spouse or partner. In other words, estate planning has become more adjustable to one's personal wishes and circumstances.
To provide your partner with even greater security, you can grant a usufruct right in your will for specific assets such as real estate. This right allows your partner to live in the property or receive income from it, while the ownership passes to your descendants. Additional options such as a right of residence or a renunciation of inheritance agreement can offer your partner further security and flexibility.
With a will or inheritance contract, you can steer the distribution of your estate in a targeted manner and additionally protect your partner in case of emergency. The revised Swiss inheritance law enables you to more flexibly distribute the so-called free portion of your estate and thus ensure that your partner receives the best possible support.
The statutory compulsory portion protects spouses and their descendants, guaranteeing them a minimum portion of the estate. This ensures that spouses remain financially stable even in challenging times.
Marriage marks the beginning of a shared journey that not only brings joy but also introduces new financial and legal challenges. As an independent financial services provider, smzh supports you in creating a solid financial foundation for your marriage from the very start. Our tailored solutions are designed to offer you and your partner long-term security.
We help you make important pension-related decisions such as safeguarding your spouse through your pension fund or life insurance. Together we make sure that you and your partner are best protected in case of emergency.
Marriage changes many legal regulations including inheritance law. smzh provides comprehensive advice and ensures that your spouse and family remain protected in the event of an emergency. Whether you need support in drawing up a will or a waiver of inheritance – we provide the customized solutions you need.
Financial planning as a couple results in new challenges. We support you in determining the matrimonial property regime that is right for you (regime of acquired property, community of property, or separation of property) and facilitate a fair distribution of assets that takes into account your personal needs.
Marriage also changes your tax situation. From the year of marriage, married couples file a joint tax report, which can lead to adjustments in their taxes. We support you in managing these adjustments in the best way possible and advise you as needed.
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.