Strengthen provision and save tax
You can take advantage of tax benefits with strategic pension planning, both as a business and an individual. Improved pension solutions increase your expenses on social security contributions, which reduces your taxable profits. At the same time, employees benefit from long-term added value without having to pay tax upfront.
Pensions and tax interact in a whole range of ways, whether in planning, withdrawing pension assets, purchases, the payment of severance payments or in many other situations. Our tax experts contribute their expertise at the interface between taxation and pensions, giving our members a sparring partner, as well as tax-compliant solutions.
Our services
Due to years of experience in the tax authorities and as tax advisors, our experts can provide assistance on almost all tax matters, be it with questions relating to tax returns, succession solutions, restructuring or employee share ownership programmes and expenses rules. However, the focus is on issues relating to the interface between pensions and taxation, such as the structuring of pension plans, pension fund purchases, the withdrawal of pension assets in Switzerland or abroad and national and international social security issues. Our tax experts often support accountants in this field, as not everyone possesses this specialist expertise. PensExpert does not provide any accountancy or separate tax services, which is why there is no risk of competition when working with us. The expertise of our tax team ensures that tax questions can be properly addressed internally at PensExpert, as well as for our clients and third parties. Our tax experts also disseminate this tax and pension knowledge as lecturers and speakers at various seminar and course providers (including the Lucerne University of Applied Sciences and Arts HSLU, SwissAccounting, EXPERTSuisse, TREUHAND|SUISSE, SFW, fisca and many others). Our tax and pension experts also provide interesting in-house seminars in accountancy firms.
Optimise tax strategically with pensions
With a well-thought-out pension strategy, you can enjoy significant tax benefits – both before and after retirement. By calibrating your contributions to pension funds and pillar 3a, you can maximise your deductions and reduce your annual tax bill. Even after retirement age, you can benefit by allocating your capital across different pension accounts to minimise the tax liability on withdrawals. PensExpert offers you customised solutions that coordinate your pension situation and tax liability as efficiently as possible. Take advantage of our expertise and discover the best ways to structure your retirement provision and optimise tax.
Pay less tax with vested benefits accounts
Vested benefits accounts also offer members valuable opportunities for tax optimisation. In the case of a withdrawal paid out to a recipient outside Switzerland, withholding tax is levied in the canton of domicile of the occupational benefits institution, which enables significant savings depending on the foreign country of residence.