As a physician, you invest time and effort in your patients. We take care of the financial structure of your medical practice – from its foundation to optimized pension schemes to succession planning.
We provide a "family office light": one central strategic partner that considers your medical practice and your personal situation as one. Independent. Coordinated. Long-term.
Access to the entire smzh network of experts – ranging from pension specialists to tax professionals to succession planners. Everything is coordinated, noting is left out.
We look at your business and your personal situation as one – from a neutral point of view, without any product-driven interests.
Overview of your existing solutions and contracts – from financing to private provision.
No one-off check-up. We guide you continuously throughout both business and private changes.
The foundation, takeover or sale of a medical practice involves a great deal of financial and organizational challenges. What tends to be lacking is not commitment, but rather integrated structure. This is exactly where smzh comes in: We are one central point of contact coordinating all relevant topics – from the valuation of your medical practice based on the Swiss tariff system Tarmed to pension scheme optimization to tax-optimized succession planning.
As a physician, you go through various stages with your medical practice – each with its own financial questions and challenges. Our advisory areas are intertwined and tailored to your current situation. No catalogue of products. One strategic partner. Our competence is integrated rather than fragmented. One point of contact to coordinate all areas and ensure that your medical practice and private life are seen as one.
We guide you across phases – tailored to your current situation.
Foundation
Development
Growth & operation
Succession & handover
Financing solutions tailored to your billing framework for compulsory health insurance and your specific requirements. Support in investing in medical devices, IT systems, and practice renovations. Guidance in terms of liquidity planning – from the founding phase to ongoing operation.
Goal: Financial stability for the operation of your medical practice – today and tomorrow.
Individual retirement provision concepts, ideally tailored to your personal goals and professional requirements. Optimization of occupational pension schemes for single-doctor and multi-doctor practices – fully aligned with your level of income. Retirement provision for your staff – a key advantage when competing for skilled personnel.
Goal: A financial security net ideally suited to your life circumstances.
Sole proprietorship of stock/limited liability company (AG/GmbH): analysis of advantages and disadvantages – particularly in case of group practices including several FMH-certified specialists. Joint decision-making with a view to tax efficiency, growth, and cantonal authorization requirements.
Goal: Finding the legal form that aligns with your circumstances and targets.
Consultation and negotiation of tailor-made professional liability insurance, property insurance, and contents insurance for your medical practice. Optimization of your compulsory health insurance and development of models to safeguard income in the event of loss of income.
Goal: Protection of your practice and base of income – covered for all eventualities.
Strategies to minimize your tax burden taking into consideration your Tarmed-based turnover and practice structure. Advice on tax aspects in case of a sale or handover of your practice to anticipate potential risks.
Goal: Maximize tax efficiency and avoid risks in the event of a handover.
Guidance in searching for a suitable successor and ensuring a structured handover of your medical practice. Drawing up handover agreements, including the clarification of legal and financial details to ensure a seamless transition. Objective practice valuation based on the practice's Tarmed-based turnover and structure of patients, creating a solid basis for negotiations.
Goal: Your life's work is handed over securely and seamlessly while preserving its value.
Our partners: Aargauische Kantonalbank · Raiffeisen · Key4 by UBS · Vontobel · Zugerberg Finanz
Support in creating a succession plan to ensure that your practice and wealth are in good hands even in case of emergency. Advice on powers of attorney – legal and financial measures to uphold your interests.
Goal: Your medical practice and wealth remain in good hands also in case of emergency.
Solo practices and group practices offer different BVG structures. We optimize your solution from a tax point of view and tailored to your income.
When handing over a medical practice, the Tarmed turnover provides the central basis for valuation. We know the methodology and guide you through the entire valuation process.
Regardless of whether we are dealing with a solo practice or a group practice with several specialists certified by the Swiss Medical Association FMH – we provide advice on the ideal legal form and collaboration structure.
OKP invoicing has a direct impact on your liquidity planning. We incorporate this reality into your financial architecture.
Successful succession needs to be planned about 2-4 years in advance. We guide you from the initial planning phase to signing the contract.
Which legal form is recommended from a tax perspective and from the point of view of liability law? We analyze your situation and make specific recommendations.
The answer depends on your personal situation, the canton, and planned growth. Together we analyze the tax and organizational consequences of both options and recommend a structure that aligns with your goals in the long run.
Valuing a practice is based on various factors: your Tarmed turnover, patient structure, location, staff, and substance. We develop an objective valuation in line with the market to base your negotiations on.
Whether you own a solo practice, a limited liability company or a stock company – every legal form has its unique tax and liability-related implications upon transfer. We guide you in analyzing and implementing the transfer of your practice.
Upon the sale or handover of a medical practice, your pension situation and investment options change fundamentally. We develop a pension concept that suits this new stage in your life.
Yes indeed, our approach takes a holistic look at both your practice and your private wealth, considering them to be a unit. You have one contact person for all your topics so your finances are coordinated, structured, and long-term.
In a first consultation, we analyze your current situation – professional and private – and identify specific optimization potential.
How may we advise you?
smzh ag stands for independent, holistic, and tailor-made financial solutions that are accessible to everyone. We place great importance on exchanging with our clients regularly and directly. This enables us to know their goals and wishes, which are always at the core of all our deliberations. We do our very best to find an optimal solution regardless of your circumstances.
Our expertise comprises, among other areas,
pension optimization | Tarmed tariff calculation | Structures of the professional association of Swiss doctors (FMH) | billing in accordance with Swiss compulsory health insurance (OKP) | succession planning | group medical practice AG/GmbH
We always act responsibly toward our clients, partners, and society by exercising utmost care in every decision we take.
The requirements and objectives of our clients are at the heart of our daily work.
Trust is the foundation of our work – we safeguard it by always seeking the best possible solutions for our clients.
We seek sustainable and long-term solutions for our clients.
We always strive to develop innovative solutions that provide genuine added value to our clients.
Our principle of independence enables us to always act in the interest of our clients.