Completely neutral

Human

Transparent

FINMA-authorised

A powerful three-pillar system,
which needs to be understood

What would happen to your household's income if a long illness or an accident struck tomorrow?

Without optimising your 3rd pillar, how many thousands of francs are you letting slip away each year?

Buying property, retirement or self-employment: do you have the financial strategy to make it happen?

You do not need to become an expert
in pension planning

ASWELL means:
tailor-made support
for every
life project

Every path is different, and your insurance policies should fit your ambitions, not the other way round. At ASWELL, we support you at every decisive turning point: whether that means financing your main residence by making the most of your pension funds, securing the launch of your self-employed activity, or legally reducing your taxes in Geneva through the 3^rd pillar.

We structure your cover to protect your household over the long term against life's uncertainties, plan ahead so that you maintain your standard of living in retirement, and simplify the management of your pension planning when you move abroad or plan a relocation.

Step 01

Overall assessment

In-depth analysis of your current situation across the 1st, 2nd and 3rd pillars. We identify your cover gaps and calculate your immediate tax-saving potential.

Step 02

Optimisation strategy

Independent selection of the best solutions on the Swiss market (with no bias). We compare returns, loss-of-earnings cover and buy-in terms to build a strategy 100 % aligned with your plans (property purchase, self-employment, retirement).

Step 03

Management of your files & follow-up

Administrative handling from
A to Z (applications, vested benefits transfers, buy-ins, amendments). We follow your contracts as your life changes and support you at every stage.

Planning your financial future in Geneva should always
be simple, straightforward and open to everyone

AHV/AVS & 1^st Pillar

BVG/LPP & 2^nd Pillar

3^rdPillar (3a & 3b)

Family protection

Loss of earning capacity

Becoming self-employed

Home ownership

Tax optimisation

Retirement

Moving abroad

State scheme (AHV/AVS / IV/AI)

1st Pillar

Compulsory for the
entire population

Objective: covering the household's
subsistence needs

Risks covered: retirement, disability, death

Key advantage: universal basic cover

Funding: pay-as-you-go
(solidarity)

Occupational (BVG/LPP)

2nd Pillar

Compulsory (employees) / Optional (self-employed)

Objective: to reach around 50% of current income

Risks covered: retirement, disability, death

Key benefit: collective company savings

Funding: collective and individual capitalisation

Individual (A / B)

3rd Pillar

Optional and strategic
for everyone

Objective: maintaining your standard of living
and saving

Risks covered: retirement, protection for dependants

Key benefit: significant tax deductions and capital

Funding: individual capitalisation

These parts are governed by different laws, by distinct funding models and by premiums or contributions that vary considerably from one company to another. For a Geneva resident, or someone newly arrived from abroad, understanding these distinctions is essential. Whether you live as a couple with or without children, this brings significant responsibilities. If one partner dies or can no longer work (long-term illness, disability …), that situation may put your plans at risk.
‍
Every situation has a solution; let us talk it through in a free 20-minute advisory meeting‍

Get personalised advice

FAQs

We have brought together here the questions our Geneva clients ask most often. Straightforward, direct answers to remove any doubt: you will take back control of your insurance and gain peace of mind. Clear, direct explanations to help you see things more clearly

Is the advisory meeting really free and with no
obligation?

Absolutely! Our support is entirely free and with no obligation. The aim is to give you clarity and concrete recommendations, whether or not you decide to work with us.

Is ASWELL independent of the insurance companies?

Yes, ASWELL Conseil is entirely independent. We work with a wide panel of insurance companies and banks; our role is to defend your interests, not those of any particular insurer. Our advice is objective and impartial.

Why use ASWELL rather than taking out cover directly with my bank or my insurance company?

If you go through a single institution, you only have access to its own products. ASWELL reviews every offer on the Swiss market in order to select the most cost-effective solution, the one best suited to your situation (3rd pillar, BVG/LPP, non-mandatory pension provision). We also bring all of your contracts together in a single interface and adjust your strategy each year as your personal circumstances change.

Q: What happens if my personal or financial situation changes during the term of the policy?

Your pension contracts are not set in stone. If your income changes, if you change job, buy a property or become self-employed, your ASWELL adviser adapts your contributions and your cover. We carry out an annual review to check that your strategy remains 100% aligned with your goals in life.

Get personalised advice

Book a meeting

Let us review your insurance

Pick the time that suits you. The meeting lasts twenty minutes, it is free and commits you to nothing.

Pick a day

Would you rather we called you back?

Your Pension Planning system in Geneva
‍

A powerful three-pillar system,
which needs to be understood

You do not need to become an expert
in pension planning

ASWELL means:
tailor-made support
for every
life project

Planning your financial future in Geneva should always
be simple, straightforward and open to everyone