Start your holistic financial and pension planning

A secure financial future with strategic pension planning from Caveo

Why comprehensive
pension planning is important

Your financial future deserves careful and holistic planning - far beyond the management of individual assets or insurance policies. At Caveo, we offer you comprehensive advice that combines all aspects of your financial situation. Our aim is to ensure that you are well protected at every stage of your life - from working life to retirement. We combine strategic wealth planning, estate and tax optimization in a holistic approach.

Unlike many traditional advisors who only focus on individual parts of your wealth, at Caveo we look at the bigger picture. We make sure that your assets, insurance policies and "human capital" work together seamlessly to make the most of your financial opportunities.

Plan early - for a carefree future

The earlier you start thinking about your pension, the better. The best time to start is from the age of 50. This will allow you to clarify important questions:

Can I retire early?
Should I draw the benefits from the pension fund as a monthly pension or as a lump sum?
How do I finance my own home in retirement?
What do I want to do in the third stage of my life and how do I pay for it?

The reality is that the AHV and pension fund often only cover 60 to 70% of your final income. To maintain your standard of living, however, you usually need 80 to 90%. This is where private pension provision comes into play: you can close this gap by paying into pillar 3a or making targeted purchases into your pension fund.

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Our services at a glance

Asset strategy

Together, we develop a long-term wealth strategy that takes into account not only your financial goals, but also your personal ones. Our aim is to give you the knowledge you need to make informed decisions.

Pension planning & provision

Your retirement planning should be individual and tailored to your life situation. We can help you develop a clear and secure strategy for your retirement.

Estate planning

We make sure that your legacy is regulated in accordance with your wishes and the legal provisions in order to protect your family in the long term.

Tax planning

You can maximize your financial efficiency with intelligent tax planning. We'll show you ways to optimize your tax burden and promote the growth of your assets at the same time.

Company succession

If you are an entrepreneur, we support you in successfully handing over or selling your life's work, thus ensuring the continued existence of your company.

Your step-by-step plan for
pension planning

30-40 years:
Laying the foundation stone

Start securing your dreams by saving for the future. Create the basis for financial freedom and security.

40-50 years:
Optimize finances

Strengthen your pension provision and close gaps to protect the lifestyle you want. Focus on a future in which you can live carefree.

50-55 years:
Shaping ideas

Use this phase to develop initial wishes and visions for your retirement. Think about how you would like to shape your future and see whether your finances can accommodate these dreams.

56-59 years:
Create clarity

Now it becomes more concrete. Decide when and how you want to retire. Optimize your investment strategy and ensure that your financial base is strong.

From the age of 60:
Making decisions

Now it's time to take the final steps in your retirement planning. Are you opting for a pension or a lump-sum withdrawal? How are you planning to withdraw your pillar 3a?

How does our pension planning work?

At Caveo, we take a holistic approach that covers all aspects of your financial planning. This is what our collaboration looks like:

Initial consultation: Together we analyze your current financial situation and define your long-term goals.
Individual strategy: Based on your needs, we develop a comprehensive financial strategy that suits you perfectly and covers all relevant areas.
Long-term support: We accompany you on your journey and adapt the strategy flexibly to new phases of life or economic changes.

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Secure the future now

Start your holistic pension planning now: it's never too early to think about tomorrow. We help you to develop a comprehensive and sustainable solution that gives you financial security and peace of mind. Book a no-obligation initial consultation today and get started on a secure future together with us.

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