• The first thing is to study and comprehend your new employers pension fund. You will receive an individual benefit statement showing your cover in case of disability and death, plus projections at retirement.
• How am I covered in case of an accident or a prolonged absence following illness?
• To what extent will I benefit from social security?
• Are the retirement projections realistic over the next four decades?
• Can I maintain my lifestyle in case of disability?
• Do I need extra life-insurance or disability cover?
• Is there anything I can do to alleviate my tax bill?
• Should I start a 3^rd pillar and, if so, with an insurer or a bank ?
• What sort of savings programs can I opt for ?

CPP Consulting is your ideal partner for these questions, among others. Call us or send us an e-mail using our contact form. We will contact you within 48 hours.

• Do we need to set up a matrimonial contract ?
• Or a non-married couple agreement ?
• How is our common social security affected ?
• Can we maintain our family’s lifestyle if one of us becomes disabled?
• Do we need extra life-insurance or disability cover?
• Is there anything we can do to alleviate our tax bill?
• Should we start a 3^rd pillar and, if so, with an insurer or a bank ?
• What sort of savings programs can we opt for ?
• Are our retirement projections realistic over the next three decades?

And if after a certain number of years you split up, obviously all the above will be affected and one of the main subjects is 2^nd pillar splitting.

CPP Consulting is your ideal partner for these questions, among others. We will explain all the above and find optimal solutions to any issues that should be addressed.

• What does my job security look like ? How stable is my company ?
• Is my bonus taken into account for my retirement pension?
• Can I do something to improve my pension, using my bonus ? If so, how do I  plan this (buyback strategy) ?
• Is there anything I can do to alleviate my tax bill, which is going to  be considerably higher?
• How can I optimise my savings programs ?
• Can my family subsist on unemployment indemnities if the worst happens ?
• Should I review my insurance cover ?
• Should I buy or rent my home ?

CPP Consulting is your ideal partner for these questions.

• How to find the ideal property ?
• Can I afford it ?
• How will the lender evaluate the feasibility of my project ?
• What down payment do I need to make and from where can the funds come ?
• What options do I have with respect to interest rates and amortisation ?
• Should I opt for a bank or an insurance company for my mortgage ?
• How will my tax situation be affected ?
• Should I review my insurance cover to protect my investment ?
• Is it wise to use my pension money in the operation ?
• Will I be able to continue to afford my mortgage when I retire?

We can help you find your new home,  provide illustrations of feasibility,  set up a financial plan,  obtain the best interest rates and amortization options. We will find the best possible mortgage for you.

• Can I freeze my C permit ?
• How do I organise my Swiss pension while I am away ?
• Can I cash it in ?
• Should I cash it in ?
• What happens to my AVS social security contributions ?
• Should I rent or sell my house ?
• Should I renegotiate my mortgage ?
• Should I review my insurance cover to protect my investment ?
• What do I do with my 3^d pillar assets ?
• How will my tax situation be affected ?

CPP can help you organise things, find you the best possible solution for investing and taking control of your pension, including substantial tax advantages, while your are away, and provide solutions to any issues that should be addressed. And we will also help you when you come back to Switzerland.

• Can I optimize my redundancy indemnity ?
• Can my family subsist on the unemployment indemnities ?
• How do I organise my Swiss pension while I am unemployed  ?
• What happens to my AVS social security contributions ?
• Should I try to renegotiate my mortgage ?
• Should I review my insurance cover to protect my investment ?
• What do I do with my 3^d pillar assets ?
• How will my tax situation be affected ?
• Can I consider taking early retirement ?
• Most unemployed persons simply park their pension pot in a ‘libre-passage’ cash account. But are you aware that this may not be in many cases the wisest scenario ?

CPP can help you organise things, find you the best possible solution for investing and taking control of your pension while you are unemployed, give assistance in administrative paperwork, and advise you on all above-mentioned subjects.

• How do I claim my Swiss pension, as a lump sum, as an annual pension, or a mix of both ?
• What is the procedure to claim my AVS social security pension ?
• Can I anticipate my AVS pension and, if so, how much will I receive?
• Can I postpone my pensions ? How much will I receive ?
• Do I have social security or pension benefits coming from another country ?
• Will I have to renegotiate my mortgage ?
• When should I withdraw my 3^d pillar assets ?
• How can I optimise my other assets ?
• How will my tax situation be affected ?

CPP Consulting can establish a detailed retirement planning analysis. We can help you organise things, also if you are planning to retire abroad.

• Whether you are creating a young startup or managing a well established firm, CPP will set up and manage your occupational benefits program and second pillar LPP pension fund for your company, specifically adapted to your payroll structure and type of activity.

• We offer you a large choice of pension fund providers, which will allow you to structure your benefit plan as you wish.

• We offer regular information sessions to your personnel on all subjects relating to Swiss pensions, buybacks, vested benefit optimisation, third pillars, mortgages, retirement planning. etc…

• We can be of assistance to your HR service when needed, to help people who are leaving the company to organize efficiently the transfer of their pension fund into an optimal solution, help with unemployment benefit questions, as well as assist in opening an SARL or starting a self employed activity.

• Finally, your personnel have access to all our services on request, to go over their private situations.

CPP Consulting is your ideal partner. We have access to  the best providers available on the market and, thanks to our long experience, we know where to find the best possible solution for your company and your staff.