Your personal pension planning

In the first conversation you get to know each other, discuss your wishes regarding retirement and analyze your current pension and financial situation. Together you define which topics and scenarios are particularly relevant to you.

For your comprehensive pension planning, your consultant needs some documents from you. You will receive a complete list after the initial interview.

Your pension planner will work out two individual scenarios for your retirement and show what financial consequences the various options can have in the long term. Topics such as income in old age, pension benefits, taxes and possible pension gaps are shown in a comprehensible and transparent manner.

In the follow-up interview, you will discuss the scenarios and recommendations in detail, clarify open questions and define the next steps. This gives you a clear basis for decision-making for your retirement and you know which options fit your life plans.

As a certified financial planner with eidg. Specialist certificate and Certified Financial Planner (CFP®), founder of Finelles GmbH and with 14+ years of experience in the financial industry, I accompany women in organizing their finances, investing sensibly and making decisions that fit their lives. In 2018 I founded Finelles, at that time with a focus on financial education, because I was convinced: Those who understand connections, make better decisions. Today I also advise women and couples in Switzerland as a financial planner independently and on a fee-based basis. Because I have experienced too many times in the industry how women are fed shorter, more superficially and with standard solutions. I wanted to change that and it's the best thing about my job when women realize that finances aren't as complicated as they always thought.

I am an independent financial planner with eidg. Professional certificate and founder of Finanzunterricht.ch. Growing up with a single mother, I experienced early on what financial uncertainty means and how much it can influence life. This experience characterizes my work to this day. In particular, I support women in understanding their financial situation and shaping it independently. My focus is on pension planning, because this is where the greatest uncertainties often exist. It is important to me to convey financial topics in an understandable, transparent and at eye level.

As an independent Certified Financial Planner (CFP®), founder of Finance Phoenix and with 19 years of experience in the financial industry, I accompany Swiss and expats with their finances.

In my early 30s, I had an honest but uncomfortable moment with myself. I worked in the financial industry, had a degree in business administration, grew up as the daughter of a banker, worked in a bank and helped clients invest money, and yet I did not know how to invest (little Nadine) with my money myself. I also didn't know if I had enough money to start. Theory on the one hand, reality on the other.

This was the trigger for a long-term training as a Certified Financial Planner (CFP®). And for Finance Phoenix. I not only wanted to be an ex-banker, but also to understand the finances of private individuals and the associated optimization possibilities in detail in order to be able to fully help.

Today, I mainly support women in really understanding their financial situation, not just superficially. So that they can live more self-determined and with fewer fears in the now, and perhaps even retire earlier. And so that they no longer grope in the dark. I love to explain complex things in a simple and understandable way. Only those who understand can make the right decisions.

Pension planning includes two meetings. The initial conversation is about your pension planner understanding the details of your current financial situation. Your planner will then develop two individual scenarios for you. You discuss the scenarios in the follow-up discussions, define the next steps and clarify open questions.

The appointments can take place online or on site. You can arrange this with your planner after booking. Clara Creitz, Davide Zanetti and Nadine Hunkeler offer local advice in the Zurich area. Davide Zanetti is also on the road in the St. Gallen area.

After booking, you will be taken directly to the date selection and can choose a suitable time slot.

After booking you will receive an invoice from us for your advice. The payment period is 30 days. If you notice after the initial conversation that the offer does not suit your needs, you will receive your money back (before drawing up the individual financial plan).

Pension planning includes the following topics:

• Location analysis: What is the current asset and pension situation? What are the needs after retirement?
• Scenarios: Development of two pension plans incl. recommendation for action
• Pension check: Assessment of your pension situation and possible pension gaps
• Summary in a written pension plan

Of course, your expert can individually respond to your situation and set priorities.

So that you are optimally prepared, it is worth taking a brief overview of your financial situation.

You can use the budget in the ellexx app and answer the following questions:

• What is my monthly income?
• How much is my total wealth?
• What are my fixed costs (e.g. Rent, insurance, taxes, subscriptions, traffic, etc.)?
• What are my variable costs (e.g. Leisure, travel, clothing, etc.)?
• How much are my debts?

In addition, your planner needs documents from you to develop your pension plan. You can order / collect these before the first interview:

• Salary certificate / annual account and balance sheet (self-employed)
• AHV-IK extract or pension certificate
• Pension extract from abroad (if available)
• Pension fund card and regulations
• Performance certificate of the cadre insurance / 1e plan (if available)
• Freedom of movement and policies (if available)
• Supporting documents for pillar 3a (accounts, policies, custody accounts) (if available)
• Tax return
• Life insurance policies (3a, 3b) (if any)
• Investment overview / deposit statement (if available)
• Mortgage contracts (if available)
• Marriage, inheritance contract or will (if any)
• Preventive order and living will (if available)
• Divorce agreement/judgment (if available)
• Account overview or asset statement