Every stage of life brings new challenges, whether professional, family-related, or financial. That is why VPZ focuses on people and their individual needs. With well-thought-out, comprehensive, and bank-independent investment advice, we help you set the right course early on and exploit your full potential.

Our advice is based on a clearly structured approach and focuses on four key areas: asset analysis and optimization, pension planning, tax advice, and advice on general life situations. Thanks to this comprehensive and integrated approach, you retain full freedom of choice and control over your entire portfolio at all times. The earlier the connections between the individual areas are recognized and integrated into a holistic plan, the more efficient and sustainable the overall result will be.

The first step is to analyze your current financial situation. Based on this, we develop a customized optimization strategy that takes into account your goals, your family and professional situation, and the tax and legal framework. This lays the foundation for all further planning areas.

Sound pension planning is the result of careful asset and tax optimization in advance. Ideally, this planning should begin at the age of 50; the earlier you start, the greater the impact. Changes in legislation, reforms, or economic developments can open up opportunities or create gaps. That is why we review your situation regularly and automatically to ensure that you are optimally positioned for the long term.

Your tax return often shows how well you have planned your finances. Without active tax optimization, you may end up with a heavy tax burden. We can show you how to reduce your tax burden in the long term through targeted measures such as pillar 3a payments, pension fund purchases, or the timely withdrawal of pension capital. The tax savings over several years can be considerable.

Not everything can be planned, but much can be prepared. Our many years of experience show that those who keep their documents, contacts, and information organized on an ongoing basis can react more quickly in an emergency and recognize opportunities. VPZ also supports you in complex or unpredictable life situations, whether it be separation, inheritance, long-term care, or other turning points. This allows you to maintain an overview even when life becomes confusing.