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.
How much tax you pay is not decided by your income alone – it also depends on where you live, how you build your pension provision, and when you take which steps.
Our independent tax advice in Switzerland brings your tax return, deductions, pension provision and residence questions into a single picture – and derives concrete steps from it.
Fee-based and product-neutral. At 13 locations from Zurich to Chur, or entirely digital.
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 applies nationwide. In Switzerland, tax is not a pure paperwork exercise: canton, municipality, pension scheme and timing all have a say. That is exactly where we start.
Income and wealth taxes, deductions and the treatment of capital withdrawals differ considerably between cantons – sometimes even between neighboring municipalities. We calculate with your actual municipality of residence instead of a national average.
The declaration is the start, not the goal. We look at which deductions are open to you, what options the current year still offers, and which decisions only take effect in the next tax year.
We do not sell pension or investment products in order to save tax. You pay for analysis and recommendation; any commissions we receive we disclose and pass on.
A tax question rarely stands alone: pension fund buy-ins, property, estates or business succession belong with it. Our tax, pension and legal specialists work on the same file.
Tax advice is not a question of how much you earn, but of how complex your situation is. As soon as several types of income, a property, a change of residence or a border are involved, an ordered view pays off – connected with taxes, retirement provision and mortgages. If what you mainly want is to have your tax return filled in, you will find the right offer there.
Bonuses, share and option plans are often recorded incorrectly or at the wrong time in the declaration. We clarify what becomes taxable when – and what that means for your tax progression.
Imputed rental value, property maintenance, mortgage interest, child and childcare deductions: families who own their home hold the most potential – and make the most common mistakes.
Salary and dividends, investments, pension provision without an employer and, eventually, succession. We separate private and business matters cleanly and align both for tax.
Withholding tax, subsequent ordinary assessment, residence abroad: here deadlines and thresholds decide. We show the interfaces and bring in specialists for the foreign side.
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.
The declaration shows your past; advice shapes your future. Concretely, we check which deductions you have not used, whether a pension buy-in makes sense – in pillar 3a, CHF 7'258 with a pension fund and CHF 36'288 for self-employed people without one are deductible for tax year 2026 – when capital withdrawals are best staggered, and how a property affects things. How much this is worth depends on your marginal tax rate and is calculated individually.
Yes, and more than most people expect. Tax multipliers, deductions and the treatment of capital withdrawals differ markedly between cantons, and in part between municipalities within the same canton. That is why we always calculate with your actual municipality of residence – a cantonal average is misleading.
Sometimes – but rarely for that reason alone. A move changes not only your tax bill but also rent or purchase prices, commuting costs, time and quality of life. We compare the options with your own figures so that the decision rests on a full calculation and not on a table of tax multipliers.
Anyone taxed at source who earns at least CHF 120'000 gross per year is subject to a mandatory subsequent ordinary assessment – and can then claim further deductions. Below that threshold the assessment is available on application, subject to deadlines. We calculate in advance whether the application is worth it for you.
The initial consultation is free and without obligation. For filling in a standard tax return we work with flat fees, which you will find on our Taxes page. For advice that goes further we agree a flat fee or an hourly rate – you know the range before we start.
At all 13 locations – from Zurich, Bern and Basel via Aarau, Baden, Lucerne, Sursee, St. Gallen, Buchs SG, Frauenfeld and Pfäffikon SZ to Chur and Arosa. You will find the addresses further down this page. On request we run the advisory process entirely digitally.
Tax questions are best discussed where you live – your municipality has a say. These offices are open to you:
Tödistrasse 53, 8002 Zurich
Barfüsserplatz 3, 4051 Basel
Kornhausplatz 14, 3011 Bern
Bahnhofstrasse 41, 5000 Aarau
Stadtturmstrasse 10, 5400 Baden
Schwanenplatz 3, 6004 Lucerne
Bahnhofstrasse 33, 6210 Sursee
Kornhausstrasse 25, 9000 St. Gallen
Bahnhofstrasse 22, 9470 Buchs SG
Bahnhofstrasse 55, 8500 Frauenfeld
Churerstrasse 24, 8808 Pfäffikon SZ
Grabenstrasse 7/9, 7000 Chur
Poststrasse 144, 7050 Arosa
We also advise you on tax matters at these locations – with the same approach and the same independence. Because your tax burden depends on your municipality of residence, we calculate with your actual figures everywhere.
At Bahnhofstrasse 33 we advise households and SMEs from the Lucerne hinterland. Tax multipliers differ markedly between the rural municipalities – for home ownership and pension buy-ins we calculate with your municipality.
At Bahnhofstrasse 22 in the Rhine Valley, a few minutes from Liechtenstein. Anyone who works there or in Austria and lives here has particular obligations in their declaration and pension provision – we set them out.
At Bahnhofstrasse 55 in the capital of the canton of Thurgau. Many households here work in Zurich or Winterthur and deliberately live in Thurgau – a calculation with several moving parts.
At Churerstrasse 24 on the upper Lake Zurich. Anyone moving to the canton of Schwyz has questions about tax liability in the year of arrival and about planning withdrawals – we clarify them before the move, not after.
At Grabenstrasse 7/9 in the heart of the Graubünden capital. Properties, second homes and tourism businesses bring tax questions that barely exist on the Central Plateau.
At Poststrasse 144, at 1'800 metres. Seasonal income, holiday apartments and businesses with a pronounced annual cycle call for a declaration that reflects that cycle rather than an average.
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.
