Third pillar: what the maximum contribution is really worth
The 3a isn’t just an immediate tax saving: compounded over thirty years, it makes a remarkable difference at retirement.
Independent · Transparent · Tailored
Your wealth,
guided with method.
Independent wealth advisory in Lugano for individuals and families. We plan investments, pension and succession with no bank or product ties - in your interest alone.
Alongside 120+ families and entrepreneurs across Ticino and Switzerland
Wealth under guidance CHF 1’850’000 +6.4% · Net return, 12 months
- Global equities 45%
- Bonds 25%
- Pension 3a / 2nd 18%
- Cash 12%
0 years of market experience
0 families & entrepreneurs advised
0 independent, no kickbacks
0 working languages
Services
A complete view of your wealth
From investment strategy to pension and the handover to the next generation: one coherent plan, kept current over time.
01
Wealth planning
A complete picture of your wealth and a plan that ties goals, liquidity and time horizon together - revisited over time, not just once.
Details 02Investments & portfolio
An investment strategy built on your risk profile, with efficient, low-cost instruments - and a custodian bank of your choosing.
Details 03Pension & retirement
The three pillars read as one whole: AHV, 2nd pillar and 3a/3b optimised for your retirement, with an eye on tax savings.
Details 04Succession & estate
Passing wealth on in an orderly, calm way: wills, gifts and business handovers, within Swiss law.
Details 05Independent second opinion
Already have a bank or manager? We review your portfolio, costs and risks with independent eyes and tell you plainly what works and what doesn’t.
Details
100% independent
Why independent
No bank behind us. Only your interests.
We sell no products and take no kickbacks: our only revenue is the fee you agree with us. That leaves us free to choose, across the whole market, what truly serves you.
- Transparent fee, agreed upfront
- No retrocessions, no conflicts of interest
- Open architecture: the market’s best instruments
- Your assets stay at your own custodian bank
How we work
Four steps, one clear course
- 01
Listening
A first meeting to understand your situation, your goals and your relationship with risk.
- 02
Analysis
We map your wealth, pension and tax position, finding both opportunities and risks.
- 03
Strategy
We build a tailored plan: allocation, pension, liquidity and time horizons.
- 04
Review
We monitor and review the plan with you, at least yearly and whenever life changes.
Insights
Clear thinking on your wealth
Short reads on pension, investments and Swiss tax. For information only, never a recommendation.
Hidden costs: why 1% a year matters more than you think
A cost gap that seems tiny erodes, over the long run, a meaningful slice of your return.
Generational handover: three things to decide first
Will, forced-heirship shares and liquidity: three knots best untied calmly, not under pressure.
Registered adviser (FinSA)
Affiliated with a supervisory body
Transparent fee, no retrocessions
Confidentiality, Swiss-hosted data
Let’s talk about your financial future
A free, no-obligation first meeting, at our Lugano office or by video call. Together we’ll see clearly whether we can be useful to you.