Clarity about your wealth – in the capital, with your goals in view rather than a shelf of products.
Our independent wealth advice in Bern combines sober analysis, holistic financial planning and recommendations that take the tax situation in the canton of Bern into account from the outset.
In person at Kornhausplatz 14 or digitally – fee-based, neutral on banks and products, with no sales pressure.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. comprehensive. for you. – that promise applies at Kornhausplatz 14 as at all our locations. Our advice in Bern begins with listening and ends with a plan you understand and decide on yourself. Six principles carry it:
You pay for advice, not for product sales. Any retrocessions and kickbacks are disclosed and passed on to you.
Your relationship with BEKB, Valiant or your own bank stays in place, as long as it works for you. We first review what you already have.
The burden of income and wealth taxes differs markedly from municipality to municipality within the canton. We plan with where you live, not against it.
Many Bernese households are insured with PUBLICA or a cantonal fund. We think about buy-ins, withdrawals and coordination with your portfolio and pillar 3a together.
Investments, pension provision, mortgage, tax and estate run through one advisor – not through five counters.
Kornhausplatz 14, a few minutes' walk from Bern railway station. Or digitally, if you prefer – the substance stays the same.
Our clients in Bern and the Espace Mittelland start from very different positions: employees of the federal administration and federally linked companies, specialists from the university and the Inselspital, business owners from the Mittelland, the Emmental and the Oberland, and families who own their home. What unites them is the wish for clarity – across investments, retirement provision, mortgages and taxes. We have no minimum wealth threshold.
Are you based outside the canton of Bern? We advise you at our other locations too – for example as part of our wealth advice in Zurich. You will find an overview of our full offering on the Wealth advice Switzerland page.
Risk profile, asset allocation, cost analysis and a rebalancing framework.
Pillar 3a, buy-ins, staggered withdrawals and coordination with PUBLICA or your own fund.
The timing of realisations, withdrawals and buy-ins; questions of residence within the canton.
Amortisation, fixed-rate periods and affordability – in the canton of Bern often the largest item on the family balance sheet.
Gaps in occupational and disability cover, death and disability protection – advised, not sold.
Estate planning, marital and inheritance law – together with our specialists.
We hear these questions at Kornhausplatz 14 almost every week. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
We work on a fee basis – as a flat fee or at an hourly rate, depending on scope. The initial consultation of 30 to 45 minutes is free and without obligation. We name the range beforehand, not on the invoice.
Yes. We are neutral on banks and products and first review your existing solution. A change only comes up where there is a sound reason for it.
Yes. The tax burden differs markedly from municipality to municipality within the canton of Bern. That affects staggered withdrawals, buy-ins and the timing of realisations – we calculate with your actual municipality rather than a cantonal average.
Yes, in Bern that is a frequent case. We read your pension statement, make sense of the options and coordinate them with your portfolio, pillar 3a and tax planning.
No. You can reach us at Kornhausplatz 14, a few minutes' walk from the station – or by video, if that fits your day better. Both routes are equivalent.
In advice you receive recommendations and an implementation plan; the decision and the instruction remain with you. Wealth management implements an agreed strategy on an ongoing basis itself, including rebalancing.
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.
