shieldRetirement planning

    Prepare for retirement as a property owner — with clarity and optimization

    Master the transition to your next life stage. Manage your mortgage, optimize capital, and reduce your tax burden for retirement without compromise.

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    Free first meeting • Personalized analysis within 48h

    Risk analysis

    Why is retirement critical for homeowners?

    trending_downYour income falls. Your mortgage does not.

    In retirement, your salary can drop by 30–40%. Yet your housing costs stay the same. Many homeowners only notice the imbalance when it is too late.

    account_balanceYour bank may refuse to renew your loan.

    Affordability rules apply at every mortgage renewal — even if you have been a client for 20 years. Without preparation, you may be forced to sell.

    savingsYour savings are probably idle.

    Most homeowners have built meaningful capital — pillar 3a, savings, home equity — without a strategy to put it to work. Another year without a plan is a missed opportunity.

    Senior couple and home — mortgage risks in retirement

    Optimization levers for homeowners

    A holistic approach to secure your wealth and quality of life.

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    Pillar 3a/3b

    Maximum tax optimization and indirect amortization aligned with your property strategy.

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    Pension buy-ins

    Improve retirement benefits while significantly reducing income tax.

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    Mortgage strategy

    Targeted amortization to keep your home sustainable without sacrificing liquidity.

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    Tax strategy

    Anticipating pension capital taxation and optimizing property deductions.

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    Succession

    Planning the transfer of your real estate wealth with peace of mind.

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    Couples

    Coordinated protection to avoid unexpected housing hardship.

    Retirement planning and property debt example in Switzerland

    A concrete optimization example

    How a homeowner couple in Lausanne cut taxes by CHF 45,000 over five years while fully paying down mortgage debt by retirement.

    • check_circle25% reduction in capital withdrawal taxation
    • check_circleCHF 12,000 higher annual pension income
    • check_circleFull ownership maintained without new banking constraints

    Transparent fees

    First call always free — no commitment, no surprises.

    First contact

    Free

    A 15-minute phone call to review your situation and see whether I can help.

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    Recommended

    Wealth review

    from CHF 990

    Full review of your mortgage situation, tax simulation and personalised action plan to prepare for retirement with peace of mind.

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    Ongoing support

    Custom

    Long-term follow-up — coordination with your bank, notary and trustee as your needs evolve.

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    Frequently asked questions

    When should planning start?expand_more
    Ideally between ages 50 and 55. That leaves 10–15 years for optimized buy-ins and mortgage structuring before age-related criteria tighten.
    What is the tax impact of withdrawing pension capital?expand_more
    Capital withdrawals are taxed at a preferential rate, separately from other income. Spreading withdrawals across years often keeps you in lower brackets.
    Can I keep a 100% mortgage in retirement?expand_more
    Generally, banks require debt to be reduced to about 65% loan-to-value before or at retirement to ensure affordability on lower income.

    Ready to secure your real estate wealth?

    Let's discuss your goals and define the best strategy for your retirement.

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