Retirement planning in Switzerland: A key step for peace of mind
Retirement should be prepared well before the end of your career. Waiting until the last minute can limit your options and reduce your income. By planning your retirement 5 to 15 years in advance, you can budget your needs, identify potential financial gaps, and optimize your taxes. At FBKConseils, we help you define a clear, personalized strategy so you can approach this new stage of life with confidence.
Make an appointment
Why choose FBKConseils for your retirement planning?
At FBKConseils, our entire team is highly qualified, trained, and passionate, bringing expertise across multiple fields to support you throughout your projects.
Comprehensive expertise in the Swiss system
The Swiss pension system (AVS, LPP, 3rd pillar) is complex and involves many stakeholders. We know its rules in depth and understand how to combine the three pillars to maximize your retirement income.
Clear and concrete simulations
We create several tailored scenarios: retirement age, annuity or lump sum, cantonal taxation… You can clearly visualize the impact of each choice on your financial future.
Proactive tax optimization
The amount of tax you will pay in retirement depends on many factors (capital, annuity, place of residence, debts, etc.). We help you anticipate these issues and implement a strategy that reduces your long-term tax burden.
Human and personalized support
Beyond the numbers, we take into account your life projects: travel, leisure, family. Our goal is to build a retirement plan that truly matches your aspirations.
At FBKConseils, there’s no complicated jargon or hidden fees. We believe in education and dialogue: you leave with a clear vision for your retirement.
Our offers for retirement planning
With us, everything usually starts with a free introductory meeting, either at our office or via video call, to discuss your needs and guide you towards the best possible solution.
0.-
Includes:
- 15-minute introductory consultation.
- Answers to your first questions.
- No commitment.
195.-
/hour
Includes:
- 15-minute introductory consultation.
- Collection of all necessary documents (AVS, LPP, assets, debts).
- Comparison of different scenarios (early retirement, lump sum, annuity, mixed).
- Detailed tax and budget simulations plus a final report with recommendations and optimization strategies.
They already trust us.
It is recommended to start about 10 years before the end of your career. This gives you time to correct any financial gaps and prepare for a smooth retirement.
In 2025, AVS guarantees a minimum pension of CHF 1,260 for an individual and up to CHF 2,520. For a married couple, the maximum is CHF 3,780. These amounts are supplemented by the 2nd pillar (LPP) and, if applicable, the 3rd pillar, depending on your personal situation.
The legal retirement age is 65 years. However, early retirement is possible from age 58, and you may also defer retirement up to 5 years after the legal age.
Your retirement is based on the three-pillar system:
AVS (1st pillar): about 20–30% of your previous salary.
LPP (2nd pillar): contributions made jointly by employer and employee.
3rd pillar (private savings): voluntary contributions to fill income gaps and maintain your standard of living.
