You have a financial decision to make, but you're not sure where to start.
Before you decide, read what others in a similar situation experienced and learned
– and what changed after they received expert advice and guidance.
We look forward to supporting you, too!
Our 360° Check-Up is an analysis of your current financial situation. It helps us identify how your individual circumstances may be improved.
A property purchase, refinancing, a business transition. The complexity is real and the margin for error is small. See how others navigated such a challenge.
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.
Michelle had no structured overview of her finances. Insurance, pension and mortgage ran in parallel without coordination. Her goal: reduce costs and build a long-term strategy.
No urgency, no trigger event. Pension, insurance, tax, overall clarity. See where others started.
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.
Retirement is approaching or another significant change is coming up. Getting the timing and structure right now makes all the difference. See how others prepared for such a pivotal moment.
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.
You've relocated and are still unfamiliar with the Swiss system – pension, insurance, tax, everything is different to what you're used to. You need a trusted guide, not a salesperson. See how others found their footing.
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.
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.
– Prof. Dr. med. Florim Cuculi, Chief of Cardiology, Lucerne Cantonal Hospital | Managing Director, Cardio Center Luzern AG
Born in North Macedonia and raised in Switzerland, Florim Cuculi studied medicine at the University of Basel and completed his postgraduate training in internal medicine and cardiology in Lucerne, Bern, and Oxford. After returning to Switzerland in 2012, he became an interventional cardiologist at Cantonal Hospital of Lucerne, where he was appointed Head of Cardiology in 2023. In 2019, he co-founded the Cardio Center Lucerne, which combines outpatient care with invasive procedures at the hospital’s Heart Center. Fluent in five languages, he is dedicated to advancing cardiovascular medicine through teamwork, precision, and patient-centered care.
At the Forbes Women’s Summit 2025, Florim Cuculi, Head of Cardiology at the Cantonal Hospital of Lucerne, spoke about cardiovascular diseases in women and how they differ from such illnesses in men. Cuculi highlights that women often show atypical symptoms, which frequently go overlooked. Differences in medical education and arterial structure can lead to misdiagnosis and inappropriate treatment. He also discusses how artificial intelligence and big data can help better understand gender differences and improve patient care. His advice: health is our most valuable asset – symptoms should never be ignored to prevent potentially life-threatening consequences.
Your Patients Rely on You. Your Finances Rely on smzh.
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.
What can you expect in your initial consultation?
– Lukas Britschgi, European champion 2025 and five-time Swiss national champion in figure skating
on the importance of long-term planning and structure as well as the financial support and advice he's received from smzh.
(video in German)
At the age of 25, Lukas already looks back on an impressive career on the ice. Not only is he a two-time Olympian, he also boasts a gold medal from the 2025 European Championships and is a six-time Swiss figure skating champion.
We accompany professional athletes – active and retired – and their advisory teams as a strategic, long-term partner in all financial matters. During and after the active years.
We put your particular financial requirements at the core!
Let us convince you of our expertise! Through a structured, independent approach, we look at your finances, pension, real estate and taxes as one connected picture – not in isolation. You see exactly where you stand, what's missing, and what could be improved.
Clarity is never a matter of chance – it's the foundation of every sound decision.
We consider your entire financial and private situation – without selling pressure and with a focus on your personal goals.
You gain a clear overview of your existing solutions, contracts, and potential – in a compact and understandable way.
We collect offers, compare terms, and negotiate with banks, insurers, and partners in your best interest.
Our check-up is a process. We remain by your side – in case of adjustments, changes in your circumstances, and new projects.
One contact person with access to the entire network of smzh experts in the areas of finance, pension, real estate, tax, and law.
We see your corporate and private worlds as one. Financing, taxes, pension and insurance don't exist in isolation – they affect one another constantly. Understanding those connections is where real clarity begins.
The result: structured processes, tax-efficient solutions, and a long-term strategy – for your business and for you personally.
Tailor-made advice for every stage of life.
Our unique offering for private clients combines holistic financial advice with personalized support.
Your partner for holistic business consulting.
smzh offers corporate clients customized solutions in the areas of finance, pension planning, insurance, and taxes – delivered professionally, efficiently, and tailored to your specific needs.
By providing a few brief details, you help us prepare optimally for your request.
