The content of this page is intended for general orientation and does not replace individual tax advice in a specific case. What applies are the provisions of your municipality and canton in force in the relevant tax year.
Are you looking for a tax advisor in Bern who does not just fill in your tax return but explains it? Then you are in the right place.
Our tax specialists at Kornhausplatz 14 review your deductions, make sense of your pension provision, and calculate with the municipality you actually live in.
For tax purposes the canton of Bern is not one block: there are noticeable differences between the city, the Mittelland, the Emmental and the Oberland. And many Bernese households are insured with a public-sector pension fund – which changes the planning.
We work independently and on a fee basis – in person a few minutes' walk from Bern railway station or entirely digitally.
The content of this page is intended for general orientation and does not replace individual tax advice in a specific case. What applies are the provisions of your municipality and canton in force in the relevant tax year.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. comprehensive. for you. – that promise shapes our tax advice too. We start with your situation, not with the form. Three principles carry it:
Within the canton of Bern the tax burden differs markedly from municipality to municipality. For capital withdrawals, pension buy-ins and home ownership that can make the difference – we calculate with where you live, not with a cantonal average.
Federal administration, canton, Inselspital, university: many people in Bern are insured with PUBLICA or a cantonal fund. We read your pension statement and set out how which buy-ins and withdrawal options work for tax.
A tax return lays open your finances in full. We use that view: pension provision, mortgage and investments all affect your tax – and the other way round. We advise holistically and sell nothing.
Bern combines public administration, education and healthcare with a broad base of small businesses across the Mittelland, the Emmental and the Oberland. Our tax advice is for everyone who wants to turn that into clarity – embedded in taxes, retirement provision and mortgages. You will find an overview of all our locations on our Tax advice Switzerland page.
A stable income, but a pension scheme with rules of its own. We show which buy-ins into your fund are tax-deductible, how a capital withdrawal plays out and when staggering makes sense.
Imputed rental value, mortgage interest, value-preserving maintenance, child and childcare deductions: this is where the most potential sits – and the most common mistakes. We separate value-preserving from value-adding costs cleanly.
Without an employer there is no automatic second pillar. We structure pillar 3a and voluntary provision, separate private from business matters, and align salary and dividends.
Pension or capital, make buy-ins or not, spread withdrawals across several tax years: the decisions of the last few years before retirement have the longest effect and are the hardest to correct.
We deal with these and many other questions every day. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
You will find us at Kornhausplatz 14, 3011 Bern – a few minutes' walk from the station and right in the city centre. Appointments by video are possible too, if that fits your day better.
For a standard tax return we work with flat fees – currently from CHF 132.00 for a single person; you will find the remaining flat fees on our Taxes page. If your situation is more complex, for example with a property or self-employment, we name the range before we start. The initial consultation is free.
Yes, and noticeably. Within the canton of Bern the tax burden differs markedly from municipality to municipality. That affects when a pension buy-in is worthwhile and how a capital withdrawal is best staggered. We therefore always calculate with your actual municipality.
Public-sector funds have their own regulations – for buy-ins, for advance withdrawals to buy a home, and for the choice between pension and capital. For tax, voluntary buy-ins are deductible in the year of payment, while capital withdrawals are taxed separately. We read your fund's regulations and work through the options with your figures.
In principle, value-preserving maintenance costs and mortgage interest are deductible; value-adding investments are not, but they can become relevant later for property gains tax. The line between them is delicate in individual cases – we look at your invoices together before the declaration and document them properly.
No. You can visit us at Kornhausplatz or run the advisory process entirely by video – many people combine the two. We exchange documents digitally; in substance nothing differs.
smzh ag stands for independent, comprehensive, and tailored financial solutions that are accessible to everyone. Regular personal interaction with our clients is especially important to us. This is the only way for us to truly understand their goals and wishes, which are always at the center of our considerations. We are fully committed to finding the optimal solution for both your current life situation and any future needs.
We always act responsibly – towards our clients, our partners and society – by applying the greatest care to every decision.
The needs and goals of our clients are at the center of our daily work.
Trust is the foundation of our work – we protect it with the greatest care by always finding the best solutions for our clients.
Long-term, sustainable solutions for our clients.
We continually strive to develop innovative solutions that deliver real added value for our clients.
Our principle of independence allows us to always act in our clients' interests.
Fill in the form at the top of this page or give us a call – free and without obligation. We look forward to meeting you.
