Pensions Advisory and Financial Planning Unit

Your life is marked by important events, sometimes unforeseen, that have a direct or indirect impact on your financial situation. The latter inevitably raise questions about sometimes complex issues to which precise answers must be provided.

The essentials

BCGE offers you the BCGE Praevisio concept. It is based on a thorough analysis of your personal situation and, if necessary, a selection of the best pension products on the market in complete Independence.

What is financial planning?

A financial plan consists of taking stock of your overall financial situation and estimating its probable evolution in the medium and long term. It takes into account several key subjects:

Further information

Pension planning

Retirement involves both financial and emotional upheaval. This delicate transition must therefore be well planned. In addition, the Swiss pension system offers not only pension insurance, but also insurance against financial losses in the event of death or disability (illness or accident).

Taxation

Many decisions have tax implications. The better you know them, the better you can optimise your tax situation.

Personal and real estate assets

Our mission is to develop tailor-made solutions for the creation, growth and protection of your assets. This objective must be achieved by including all assets, such as account and pension balances, financial investments, real estate and insurance.

Marital and inheritance aspects

It is essential to organise the transfer of one's assets in order to ensure that the allocation takes place according to one's own wishes and without disputes within the family.

Employee

As an employee, we automatically adhere to the pension system set up by the employer. However, the proposed solutions vary greatly from one company to another. Because of these differences, employees with a comparable salary do not all receive the same benefits in the event of death, disability or retirement.

Self-employed

If you become your own boss, the 2^nd pillar pension plan is optional. You are therefore responsible for protecting yourself against risks that could jeopardise your income and assets.