Contingency plan for SMEs: Longer-term absence – provisions for the future.
Welcome to smzh ag – Your partner for comprehensive financial and pension solutions. A longer-term absence of management or the business owner requires larger-scale provisions to ensure the legal and financial stability of a business. Private pension plays a central role in this regard in order to prevent Switzerland's Child and Adult Protection Authority (KESB) from taking any decisions. Our experts will show you how to protect yourself sustainably and best prepare your company and private circumstances.
Advance directive: An advance directive makes sure that a person of trust will represent your interests in case you lose your decision-making ability. This prevents any intervention of the Swiss Child and Adult Protection Authority.
Clear distribution of roles: Define responsibilities in the areas of personal custody, care of property, and legal representation.
Name successor: Define who is to assume the management of your company in the long term.
Internal: Inform family, employees, and business partners about your provisions at an early stage.
External: Keep your most important customers and suppliers informed about regulations in order to foster trust.
Insurance policies: Review daily benefits, life, and disability insurance to offset any losses of income.
Liquidity planning: Build financial provisions to cover your business costs for at least six to twelve months.
Pension fund solutions: Make sure that your employees remain insured.
Passwords and access rights: Document the most important access rights and ensure that they remain available for persons of trust.
Central storage of documents: Store contracts, powers of attorney, and further relevant documents in a safe place.
smzh ag provides:
Advice and creation of advance directives and succession plans.
Support in drawing up wills, inheritance contracts, and shareholders' agreements.
Optimization of your insurance coverage and establishment of a long-term liquidity buffer.
Do you have any questions or would like to start your long-term provision planning? Our experts are available for you and happy to accompany you from planning to implementation.
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.
An advance directive prevents the Swiss Child and Adult Protection Authority from taking decisions on your or your company's behalf. You stay in control of your personal and financial matters.
You can name one or several persons of trust, whether they are family members, friends, or specialists.
Every two years at least or in case of significant changes in your life.
We help you establish and legally safeguard clear regulations for your business and family succession.