Your goals in life are at the centre – not products.
Our independent wealth advice in Zurich combines clear analysis, holistic financial planning and tax-efficient recommendations.
In person or digitally – always without sales pressure and neutral on banks and products.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. comprehensive. for you. – that promise shapes our daily work. Our wealth advice in Zurich begins with listening and ends with a solution that fits you exactly. Six principles are at the centre of it:
No sales targets. Any retrocessions or kickbacks are disclosed and passed on to you.
Financial planning, investment advice, pension provision (pillars 3a and 2), tax and estate – everything interlocks.
Clear recommendations, explained so you can follow them – without the jargon.
Structuring with wealth, income and withholding taxes in view, as well as retirement.
Structured analysis, documented recommendations and measurable goals rather than promises.
On request we accompany the choice of provider, portfolio and pillar 3a setups and product selection – with no commission interest.
Our wealth advice in Zurich is for everyone who wants to shape their financial situation actively – whatever their stage of life or level of wealth. Our clients come to us with very different concerns. What unites them is the wish for clarity, security and well-founded decisions across investments, retirement provision, mortgages and taxes.
Are you based outside Zurich? We advise you at our other locations too – for example as part of our wealth advice in Bern. You will find an overview of our full offering on the Wealth advice Switzerland page.
Risk profile, asset allocation and a rebalancing framework.
Buy-ins, withdrawals and coordination with your portfolios and your tax position.
Realisation and timing, reclaiming withholding tax, and the structure of dividends and interest.
An emergency reserve, amortisation and fixed-rate periods.
Gaps in occupational and disability cover, death and disability protection – advised, not sold.
Support with estate planning, marital and inheritance law, in collaboration with specialists.
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.
With wealth advice you receive concrete recommendations and an implementation plan; you decide and instruct the bank or provider. Wealth management implements an agreed strategy for you on an ongoing basis, including rebalancing.
It makes sense regardless of the amount – particularly before retirement, on an inheritance, ahead of larger investments, or when you want your strategy reviewed.
We work on a fee basis, as a flat fee or at an hourly rate. There are no commission targets; any retrocessions or kickbacks are disclosed and passed on to you.
Not necessarily. We are product- and bank-neutral and first review your existing solution. We only recommend changes where there is a sound reason for them.
Both. One-off analyses and financial plans as well as annual reviews with monitoring – combined as your situation requires.
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.
