Independent pension advisor in Switzerland: neutral FINMA-registered expertise
Because a bank or insurance company only sells its own proprietary products, working with an independent advisory firm registered with FINMA guarantees an objective comparison across the entire Swiss market.
FINMA
Unbound insurance intermediary registered on the official federal register
3 pillars
Coordinated analysis across AVS (1st), LPP/vested benefits (2nd) and 3a/3b (3rd)
15+ partners
Open architecture across leading Swiss banks and insurance companies
CHF 0
Complimentary initial assessment and audit of your existing contracts
Why have your pension contracts audited by an independent advisor?
Many taxpayers hold Pillar 3 contracts or vested benefit accounts opened years ago with high management fees, duplicate risk riders, or beneficiary clauses that no longer match their current family situation.
Complete alignment between pension planning, taxation and family protection
At IRA Global Conseil, every pension recommendation is validated by our tax specialists to measure its exact impact on your GeTax, VaudTax, Clic&Tax or French 2042 tax return.
Comprehensive gap analysis for illness, disability and death
Calculation of your coordinated benefits (AVS/AI, LPP, UVG/LAA) in the event of illness or accident, and setup of targeted coverage to protect your family's income and home.
Tracing and structuring of vested benefit accounts (2nd pillar)
Consolidation or strategic splitting across two vested benefit foundations of prior LPP assets after job changes, with institutional-grade investment options.
Audit and restructuring of existing Pillar 3a and 3b contracts
Review of surrender values, cost ratios, net performance, and updating of beneficiary clauses (unmarried partners, children, spouse).
What is included in our 360° Swiss pension assessment
| Pillar analyzed | Documents audited | Risks covered | Optimization delivered |
|---|---|---|---|
| 1st pillar (AVS / AI) | Individual account statement (IK/CI) | Missing contribution years | 5-year retroactive gap recovery |
| 2nd pillar (LPP / Vested) | LPP certificate and fund regulations | Illness disability, death, retirement | LPP buyback plan and annuity/capital split |
| Pillar 3a (tied) | Existing 3a policies and bank accounts | Income tax and payout progression | Multi-account staggering (3–5) and fee reduction |
| Pillar 3b (flexible) | Flexible savings and life policies | Unmarried partner cover and liquidity | Geneva ICC deduction and flexible access |
| Family / legal protection | Beneficiary designations | Statutory order (Art. 20a LPP) | Written registration with pension foundations |
Our 4-step advisory methodology
Initial audit and eligibility check
Comparative modeling of optimization levers
Compliant preparation and electronic filing
Assessment verification and multi-year follow-up
Frequently asked questions
Technical answers to your questions
The initial consultation and audit of your existing contracts are completely complimentary. As a FINMA-registered broker, we are compensated transparently either by partner institutions when implementing a contract or via a pre-agreed fee for standalone advisory mandates.
Not automatically. Without marriage, a surviving partner only receives LPP 2nd pillar death benefits if the pension fund regulations allow it (typically requiring 5 years of cohabitation or a shared child) AND if you have filed a formal written beneficiary designation with your pension fund during your lifetime.
We conduct an official search with the 2nd Pillar Central Office (LOB Guarantee Fund) and the Substitute Occupational Benefit Institution to locate and transfer dormant assets into high-performing vested benefit accounts.
Related services
Continue your tax and pension optimization
Speak with a certified advisor
Complete this form for a confidential assessment of your Swiss taxation, retirement planning, or cross-border status.
- 100% complimentary preliminary tax and wealth review
- Tailored cantonal analysis (Geneva, Vaud, Neuchâtel, Basel)
- FINMA-registered independent advisory practice
Monday to Friday, 08:30 – 18:30 · Geneva head office
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