Was kostet eine Finanzplanung bei Caveo?

Der Finanzplan kostet ab CHF 2'500, mit Unternehmen ab CHF 5'500, exkl. MwSt. Er wird separat bezahlt und nicht an Caveo Wealth angerechnet.

Verdient Caveo an der Umsetzung?

Bei Caveo Wealth erhält Caveo 0.50 % pro Jahr für die laufende Finanzplanung. Sie sind in den Gesamtkosten von rund 1.2 % pro Jahr enthalten, Kunden bezahlen nicht mehr als auf dem direkten Weg. Bei Versicherungen werden Art und Bandbreite der Courtage vorher offengelegt.

Wie früh sollte ein Unternehmer vor der Nachfolge planen?

Fünf bis zehn Jahre vorher. Einkäufe in die Pensionskasse müssen drei Jahre vor einem Kapitalbezug abgeschlossen sein (Art. 79b Abs. 3 BVG).

Financial planning for entrepreneurs, executives, and specialists

Your finances are in order. Who is responsible for the big picture?

Caveo integrates business, personal assets, retirement planning, taxes, and risks into a single financial plan. This enables you to make important decisions in a timely manner and with a comprehensive understanding of the situation.

Schedule a meeting What the financial plan includes

A 45-minute session with a financial planner—free of charge—via video or in person in Schlieren.

Financial Map · Select an area to see the connections.

Company

How much of your net worth is tied up in the company, and how do you get it out?

Pension fund and 1eYour salary determines your insured salary and your contribution potential.
TaxesWhether it's wages or dividends, the burden shifts between corporate income tax and personal income tax.
AssetsAssets not necessary for business operations should be transferred to personal assets in a timely manner.
GoalsRetirement should not depend solely on the selling price.
EstateSuccession planning within the company and inheritance law must be aligned.

Each part has someone in charge. The interaction as a whole does not.

Bankmanages the portfolio

Pension fundmanages the balance

FiduciaryAccounting and taxes

Insurercovers individual risks

Asset managerinvests the assets

Caveo

A pension plan purchase, a dividend, a mortgage, and a withdrawal of capital all affect one another. Those who make these decisions individually often don't realize the costs until it's too late to correct them.

Caveo does not replace your bank or your trustee. We work with them and ensure that their decisions are consistent with one another.

Same company, same selling price. A seven-year lead time amounts to CHF 202'100.

Hidden reserves released in the year of the transferCHF 642'400

With a 7-year plan for the second pillarCHF 844'500

Net amount to the owner from CHF 1 million in hidden reserves. Simplified model calculation, Canton of Zurich, married, income tax 19.7%, marginal tax rate 32%, capital gains tax 10%. No guarantee applies to individual cases.

+31 %

A controlled withdrawal, a better retirement plan, and staggered contributions. This is only possible with advance planning: The last contribution must be made three years before the withdrawal.

Topics for entrepreneurs

Five steps, one financial planner.

From the initial analysis to the annual update, you'll work with the same person.

1
Understand
Your situation is recorded digitally: company, assets, pension fund, insurance policies, taxes, and goals.
2
Planning
Your financial planner evaluates different options and highlights conflicting goals.
3
Decide
During the discussion, you will determine which decisions take priority.
4
Implement
On your own, with your bank, or with Caveo. Either way, the plan is complete.
5
Accompany
The plan will be updated if your circumstances, the law, or your goals change.

Solutions arise from the plan. Not the other way around.

If you'd like, we'll work with you to implement the measures. If not, your plan will remain just as complete.

When assets can be invested

Caveo Wealth

The investment strategy aligns with your financial plan. It is implemented by asset managers we have vetted, with everything included. Your financial planning continues.

Learn more about Caveo Wealth →

When the plan reveals a gap

Protection

A death benefit that can be adjusted each year to suit your circumstances. We disclose the type and range of brokerage fees before the policy is issued.

Learn more about coverage →

If your company is part of the plan

Corporate retirement plans

Pension fund, executive plan, 1e, and your company's insurance plans, tailored to your personal plan.

For business owners →

Caveo app: overview of the financial plan by topic

The Caveo app

After the meeting, your plan won't just sit in a drawer.

You and your financial planner will see the same overview. When a deadline approaches, the app will notify you, and so will your planner.

Pension analysisShows what you're missing in the event of old age, disability, or death, based on your AHV, pension fund, and 3a data. More on this
Measures with deadlinesFor example, making pension plan contributions by mid-December or the next installment of an investment.
All topics in one placeRetirement planning, taxes, assets, real estate, insurance, and inheritance.
Documents and policiesRetirement benefit statements, contracts, and policies—always at your fingertips.

You can use the retirement planning analysis and policies on your own. Your action plan is created along with your financial plan.

The financial planner who advises you will also draw up your plan.

How it is often done

A customer service representative will enter your information.
A planning team you'll never meet is doing the calculations.
The customer service representative presents the results as a PDF.
This is followed by a product discussion.

How Caveo works

The software prepares your data for your financial planner.
Your financial planner does the calculations and organizes everything.
You make the decision together with your financial planner.
Your financial planner will guide you through the process and update the plan.

What it costs. And how we make money.

You pay for the planning separately, regardless of what you end up implementing.

Financial planfrom CHF 2'500

One-time service. For businesses, starting at CHF 5'500. Analysis, scenarios, consulting, and an action plan.

Caveo Wealth0.50 % per year

Ongoing financial planning and support, with no hourly billing. Included in the total costs of approximately 1.2% per year: With Caveo, you pay no more than you would directly to the asset manager. Learn more

Support without Caveo WealthCustom quote

If your assets remain with your bank. Review meeting, updated plan and actions, and a review of your portfolio. You’ll receive a binding quote detailing the scope of services and fees before we begin.

All prices are exclusive of VAT. The actual cost depends on the complexity of your situation—for example, multiple properties, self-employment, or a holding company structure. You will receive an estimate in advance.

Your finances are in order. Who is responsible for the big picture?

For people for whom a wrong decision can be very costly.

Business and Personal Assets as a Single System

Bonus, Employee Stock, 1e

Female doctors, lawyers, engineers

Annuity or Lump Sum—in the Right Order

Each part has someone in charge. The interaction as a whole does not.

Same company, same selling price. A seven-year lead time amounts to CHF 202'100.

Five steps, one financial planner.

Understand

Planning

Decide

Implement

Accompany