Michelle Konrad has been a very good client of smzh's since 2024. What began as a simple conversation has transformed into a comprehensive partnership – yielding specific results in the areas of retirement provision, insurance, mortgage financing, and administrative tasks.
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.
smzh gradually took charge of full administrative support and developed a tailor-made strategy for Michelle:
Thanks to active negotiations with Michelle's bank, smzh was able to get a competitive mortgage offer for Michelle.
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.
Home purchase, renovations, or mortgage renewal: well-structured financing is decisive. Learn what to consider in planning and how you find a solution that is right for you.
Learn why voluntary retirement savings are indispensable and pillar 3a provides a tax-advantaged way to save. Moreover, we explain practical steps to analyze your financial situation and determine savings targets and show you how to take account of key diversification aspects and risk assessment.
(in German)
In this video, Alf discusses his retirement provision – with a smile. See for yourself!
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Simon wanted to buy property in Switzerland but didn't fully grasp the complexity of the system. A previous bad experience had shaken his trust in the industry – until he came upon smzh.
Simon had no household contents insurance and held a pillar 3a exclusively through his bank. He was largely unaware of the differences between a bank-based and an insurance-based third pillar solution. A previous encounter with another financial advisor had left a bad aftertaste – aggressive sales tactics with no genuine interest in his needs.
Anton wanted to know if his insurance portfolio was well set up. smzh's answer was clear and unexpected: yes, it was. That honesty was the start of a relationship that now covers his entire family.
Sonja faced administrative, legal and financial questions all at once. The sheer complexity overwhelmed her – until smzh took over the overview and gave her back her peace of mind
Kai relocated from Germany to Switzerland and faced a system he didn't know. No frame of reference, no orientation. smzh guided him step by step into Swiss standards.
