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Fortunately, we are living longer! Moreover, we feel fit, balanced, and healthy even in life after our careers—a positive development. The only challenge is that, due to increased life expectancy and a significantly longer retirement period, funding for retirement is coming under growing pressure. It is therefore high time for individual planning and preparation for your personal retirement.
Whether reducing your working hours before retirement or continuing to work later in life—without planning, less employment often leads to financial shortfalls. The earlier you start preparing, the more relaxed your retirement can be. Crucial to this is the targeted use of your accumulated capital. Professional retirement planning from the age of 50 is worthwhile. Personal goals, tax optimization, inheritance matters, and other aspects should be considered to ensure that your pension fits your life.
We are available as your specialized and personal contact for the following topics:
Retirement options
We show you the retirement options available—individually tailored to your life situation.
Occupational pension – annuity or lump sum?
We support you in deciding between an annuity and a lump sum with well-founded analyses and scenarios.
Tax optimization up to retirement and beyond
We help you optimize your tax burden early and sustainably.
Mortgage sustainability in retirement
We assess whether your financing remains sustainable in retirement and outline any possible courses of action.
Estate and inheritance planning
We advise you on clear, legally secure, and tax-efficient estate planning.
Independent portfolio and securities analysis of existing investments
We analyze your assets objectively and highlight potential optimizations for retirement.
AHV benefits & contribution obligations
We provide clarity on your AHV entitlements and guide you in planning your contributions and benefits.
As holistic yet completely independent advisors, we accompany you from the very beginning. VPZ offers you straightforward, tailored support designed specifically for you.
