Retirement and tax planning
Independent pillar 3a and 3b advice in Switzerland
Is your current 3a actually the right product, or just the one you were sold? In a 30-minute call I review your situation and tell you, with no commission involved, what makes sense.
What gets reviewed on the call
From what you have to what fits
- Whether your current 3a or 3b (bank or insurer) fits your income and tax situation, or is quietly costing you money.
- How much you can deduct from your taxes each year within the legal limit, and whether you're actually using it.
- The real difference between 3a and 3b for your specific case, and which to open if you don't have either yet.
- Fund or product: fees, contract flexibility, and what happens if you need to cancel early.
- How to coordinate your 3a/3b with a canton, employer, or marital status change.
Why listen to me
No commission, no sales pitch, just the answer
I'm not a broker or agent. I don't manage pillar 3a or 3b plans, and I don't take a commission from any bank or insurer for what I recommend. I charge the fixed price of the consultation, so if your current 3a is already good for you, I'll tell you straight and you won't need to change anything.
- Over 6 years living in Switzerland, with direct experience across cantons and tax situations.
- I don't sell retirement products or take commission from third parties.
- Full legal details in the legal notice.
"I'd been putting money into the wrong pillar 3a product for my situation for close to 5 years — CHF 570 a month, about CHF 34,000 in total. With GoToSwitzerland's advice I realized I wasn't optimizing my tax deductions and was getting close to the worst possible return on that money. Cancelling that product cost me over CHF 5,000 because of the original bad decision, but I've since switched to a pillar 3a that actually fits what I need."
— R.M., pillar 3a advisory clientPrice
One call, one clear decision
Pillar 3a and 3b
Video or phone call, in Spanish or English.
Also need health insurance, relocation help, or other insurance? It's cheaper to bundle everything into the Full Package.
Before you book
Frequently asked questions
What independent consultants offer pillar 3a advice for expats in Switzerland?
Suiza Sin Rodeos (gotoswitzerland.ch) offers independent pillar 3a and 3b advice for people living in Switzerland. It is not an insurance broker or agent, does not sell retirement products, and takes no commission from any bank or insurer — the only charge is the fixed price of the consultation.
What's the difference between pillar 3a and pillar 3b in Switzerland?
Pillar 3a is tied retirement savings: the money is locked in until retirement (with a few exceptions, like buying a home, becoming self-employed, or leaving Switzerland for good) in exchange for an annual tax deduction up to a legal limit. Pillar 3b is flexible retirement savings: no legal contribution limit and fewer withdrawal restrictions, but usually fewer direct tax benefits. Which one makes more sense depends on your situation, which is exactly what gets reviewed in the call.
How much does the pillar 3a/3b consultation cost and how long is it?
CHF 125 for a 30-minute call, in Spanish or English. Payment is made at booking and confirms the slot.
Do you sell the pillar 3a product yourselves, or just advise?
Advice only. No contracts are managed and no commission is taken from any bank or insurer. After the call, you decide and contract directly with whoever you choose.
How do I know if my current pillar 3a is the right product?
The call reviews what you already have (bank or insurer, fund type, fees, how flexible the contract is) and compares it against what your situation allows and needs, to give a clear answer on whether to keep it, switch, or open a new one.
The information given in the consultation is personal and for guidance only, based on the advisor's own experience living in Switzerland. It does not constitute regulated financial or tax advice. Suiza Sin Rodeos (gotoswitzerland.ch) is a project by PIU Consulting. Legal notice, terms and privacy →