Your wealth is rarely held in a single place – and how much of it remains depends on where you live, where you work and where you eventually retire.
Our independent wealth advice in Switzerland brings portfolios, pillar 3a, pension fund, mortgage and tax into a single picture – and derives concrete steps from it.
Fee-based, bank- and product-neutral. At 13 locations from Zurich to Chur, or entirely digitally.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. comprehensive. for you. – that promise applies nationwide. In Switzerland wealth advice is not purely an investment topic: your canton, your pension scheme and your timing all help decide what is left of a return in the end. That is exactly where we start.
Many households hold assets at several banks, plus pillar 3a, vested benefits and residential property. We bring that together into a single wealth overview and make costs, risk and duplication visible.
Wealth and income taxes, deductions and the treatment of capital withdrawals differ considerably between cantons. We plan with your place of residence – and work through what a move or a staggered retirement would change.
We do not sell investment products. You pay for analysis and recommendation; any retrocessions are disclosed and passed on to you. That removes the industry's most common conflict of interest.
Thirteen locations, one advisory team, one file. You change where you live or the stage of life you are in – not your contact person and not your history.
Wealth advice is not a question of account size but of complexity. As soon as several pots, several providers or a foreseeable life step are involved, an ordered view pays off – across investments, retirement provision, taxes and mortgages. We have no minimum wealth threshold.
You save regularly but have never looked at your account, portfolio and pillar 3a together. We put your savings rate, investment strategy and tax deductions into an order that pays off over years.
Pension or capital, make buy-ins or not, stagger withdrawals across several tax years: the decisions of the last ten years before retirement have the longest effect – and are the hardest to correct.
For self-employed people, private and business assets are rarely separate. We structure liquidity, pension provision and succession so that both sides remain sustainable – including on a sale.
Three pillars, withholding tax, vested benefits: the Swiss system is hard to read from the outside. We put it in order before the first decisions are made – not once they have to be corrected.
These questions come up in almost every initial consultation. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
The initial consultation is free and without obligation. After that we work on a fee basis – as a flat fee for a defined engagement or at an hourly rate. You know the range before we begin. We earn nothing on the product you end up holding.
No. What matters is complexity, not the amount: several providers, an upcoming life step, an open pension question. Anyone with just one account and one pillar 3a product rarely needs more than a conversation – and we say so.
Yes, and more than many expect. Wealth and income taxes, deductions and the treatment of capital withdrawals differ markedly between cantons – in some cases even between municipalities. We calculate with your place of residence rather than a national average, and show what a change would do.
In advice you receive analysis, a recommendation and an implementation plan; the decision and the instruction remain with you. Discretionary wealth management takes over the ongoing implementation of an agreed strategy, including rebalancing. We advise – and say openly when a managed solution would be the cheaper option for your situation.
No. We are bank- and product-neutral and first review what you already have. Often an adjustment to the strategy or the cost structure is enough; a change only comes up if it adds up for you.
Yes. You can reach us at 13 locations or entirely by video – many people combine the two. We exchange documents digitally; the substance of the advice is the same either way.
Tödistrasse 53, 8002 Zurich, Switzerland
Kornhausplatz 14, 3011 Bern, Switzerland
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.
