01 – THE STARTING POINT

What was Michelle's situation before she became a client?

Michelle had no structured overview of her overall financial situation. Administrative tasks, insurance policies, and her mortgage were running in parallel, with no coordination. Her goal was to reduce costs and create a sustainable financial strategy.

02 – THE CHALLENGE

What specific obstacles had to be overcome?

• Lack of overview of the financial situation (insurance, pension provision, mortgage)

• Administrative tasks with no professional support

• Optimization of mortgage upon renewal – negotiations with Raiffeisen

• Adjustment of amortization strategy

• Ongoing adjustments to changing circumstances (barn renovations, self-employment)

03 – THE SUPPORT OF smzh

What did smzh do for Michelle?

smzh gradually took charge of full administrative support and developed a tailor-made strategy for Michelle:

• Pension advice and conclusion of a pension solution

• Adjustment of amortization with Raiffeisen

• Negotiation of mortgage rates upon renewal – numerous telephone calls and full handling of written correspondence

• Annual stock-taking, new plans, new insurance-related challenges

• Ongoing support in case of changes (barn renovations, self-employment)

• Handling of entire administrative tasks

Thanks to active negotiations with Michelle's bank, smzh was able to get a competitive mortgage offer for Michelle.

04 – THE RESULT

What has Michelle achieved?

Michelle today has a clearly structured financial strategy. She renewed her mortgage at improved terms, her pension provision is optimized, and smzh provides ongoing guidance whenever questions about insurance, planning, and administrative tasks arise.

The client relationship by now extends to Michelle's partner – testament to deep mutual trust.