Personal financial planning · canton of zurich

Retirement is complicated — clear numbers make your decision simple.

Book free consultation See the sample report

Lump sum or pension? Buying into your pension fund? When to draw — and what will it cost in taxes? I run the numbers, you decide.

Your situation in three scenarios: not just the best case, but what happens if the markets fall or something unexpected comes along. What you get at the end isn't a spreadsheet that leaves you guessing — it's a clear answer: what's optimal for you, and what still holds even when things get tight.

Example

Financial Assets in three scenarios, 2026–2068

The three decisions

The three decisions that shape your retirement

01

Early Retirement

Every year earlier costs you pension, contributions and compound interest. I show you what your preferred date costs — and whether it holds.
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Coverage ratio and robustness score — not gut feeling

02

Capital or Pension

The single biggest financial decision of your life. I've made this decision for myself — so I know what truly matters.

10 Strategies, NPV-Comparison

03

Taxes on withdrawal

Staggering pension-fund and pillar 3a withdrawals across several tax years is the ideal scenario — but it isn't always possible. I show you which solution is right for you.

Tax path modelled year by year

Start self-check: Capital or Pension?

Interactive - 5 minutes - anonymous, no data stored

Free pension fund self-check: 14 statements on security, family and flexibility show in 5 minutes whether a lump sum, a pension or a mixed solution suits you.

METHOD

Three scenarios, not just performance projections

Scenarios are life decisions translated into financial terms. Each one maps a clearly defined path into retirement — none is a forecast; together they help you make concrete decisions.
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reference case

Your reality, not your hope

The foundation everything builds on.

Where do I stand today?

Clarity on your status quo

ALTERNATIVE path

Your Dream
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The dream, run through the numbers.
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Can I afford it?

A decision driven by numbers, not gut feeling

Stress test

The worst-case path
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The crisis, before it arrives.
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What if things go wrong?

Certainty that your plan holds.

sample report

The difference is in the report

Not because it contains more numbers — but because it orders them. The report starts with what you need to know and only then goes deeper. You grasp your situation on the very first page; the detailed reasoning is there when you need it.

The structure — from overview to depth

The essentials at a glance — Your situation and the key decisions on a single page
Executive Summary — The recommendations in plain language — clear enough for family
Reference case in detail — Your most likely path, year by year
Scenarios at a glance — All paths side by side, directly comparable
Scenarios in detail — Each option fully modelled
Withdrawal strategies — Lump sum, pension or a combination, valued by net present value
Readiness — How well positioned you are for retirement, in one clear figure

FAQ

What you should know

expertise on one page

Foresight

Some questions around retirement can be answered on a single page — if they are laid out properly. Foresight is my series of one-page briefings: one topic, one A4 page, with legal status and sources. To read on screen, print or pass on.
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retirement planning

Contact

An initial conversation

Free and without obligation. We'll review your situation and see whether working together makes sense.

Initial Consultation

info@fradvisory.ch

You can also reach me on: 079 649 46 49