Plan your retirement early and worry-free with our pension planning services. We analyze your pension situation, optimize your lump-sum or annuity payments from a tax standpoint, and develop a sustainable strategy that secures your standard of living in retirement. This is how we create financial clarity and flexibility as well as the foundation for a worry-free retirement.
Pension planning involves a comprehensive analysis and strategy development for the financial transition from working life to retirement. It takes into account income from pension schemes, savings, and investments, as well as expenses and taxes, to create a sustainable and secure plan for retirement. The aim is to ensure financial independence and to maintain your standard of living in retirement.
Analyzing pension savings (1st pillar, 2nd pillar, pillars 3a and 3b) and other financial assets
Examining debt, expenses, and expected income
Simulating various retirement timelines, including early retirement
Analyzing the impact of these scenarios on pension benefits, taxes, and liquidity
Making recommendations for the best-possible use of pension funds
Optimizing taxes and ensuring long-term liquidity
Providing guidance in decisions related to lump-sum or annuity payments and their respective consequences
Learn why voluntary saving for retirement is essential and how pillar 3a offers a tax-advantaged option for this purpose. In addition, we explain practical steps for analyzing your financial situation and setting savings goals, as well as how to consider key aspects of diversification and risk assessment.
(in German)
In this video, Alf speaks openly and honestly (and perhaps a little tongue-in-cheek) about his retirement provision. It's worth watching!
(in German)
From 50 to 55 years of age, targeted planning leaves enough time to prevent financial tight spots.
A well-thought-out strategy ensures that your financial means are sufficient to maintain your desired standard of living in retirement.
Our planning takes into consideration options for early retirement and their financial consequences.
Early planning helps find tax-optimized solutions, for instance through staggered lump-sum payments.
Your benefits in planning your pension with smzh:
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.
We handle questions such as those shown on the right on a daily basis. You don't have to deal with them all by yourself – our 360° Check-Up is free of charge and non-binding.
Early planning – ideally starting at 50-55 years of age – gives you enough time to avoid financial tight spots later on, close provision gaps, and make the best use of tax advantages. In brief, it helps you lay the foundation for a worry-free retirement.
We analyze your entire financial situation: pension assets from the 1st, 2nd, and 3rd pillar, savings, investments, expenses, debts, and taxes. Based on this analysis, we develop a sustainable strategy to help you maintain your standard of living.
Both options offer advantages and disadvantages – depending on your situation, your goals, and the tax-related impact. We show you how the two options differ and help you take the best decision given your circumstances.
Our pension planning also involves scenarios for early retirement. We calculate how retiring early would impact your pension benefits, your liquidity, and your tax burden. In other words, we determine whether early retirement is a viable option for you.
You get financial clarity, a tailor-made strategy to secure your standard of living, a tax optimization strategy, and the certainty of being well prepared for various scenarios ahead. We accompany you from analysis all the way to implementation.
