ORIZON
ORIZON
FRDEITEN
Optimisation

Pay the right amount of tax. Not a franc too much.

Most tax savings are not made in March, when you file your return, but throughout the year through the right decisions. We make them with you, in step with your pension and your plans.

ORIZON Optimisation
Our levers

Where your taxes are decided.

Tax optimisation is not a last-minute trick. It is a series of coordinated decisions, made at the right time.

Pillar 3a

The simplest and most effective lever. Every 3a contribution reduces your taxable income, year after year.

Pension buy-ins

Filling pension-fund gaps while deducting the amounts has a double effect, to be staggered intelligently.

Staggered withdrawals

Spreading pillar 2 and 3 withdrawals over several years breaks the tax progression and can save thousands of francs.

Property and imputed rental value

Mortgage interest, maintenance costs, indirect amortisation. Your home opens deductions to be structured.

Forgotten deductions

Work expenses, childcare, health costs, donations. These are the deductions most people leave on the table.

Independents and directors

Status, salary and dividend, the owner's pension. Private and business taxation are thought through together.

An overall view of taxes, pension and property together
Our role

Tax is not an isolated item.

Cutting your taxes serves no purpose if it weakens your pension or your property project. Our strength is to coordinate all three. We optimise your tax situation without ever losing sight of your retirement, your savings and your life goals.

  • A multi-year plan, not a one-off trick
  • Coordination with your trustee or your accountant
How we work

Four steps to taxes under control.

From the first review to a check-up every autumn, your taxes become a plan over several years, not a March chore.

  1. 01

    Review

    Step 01

    We analyse your latest tax return and your situation to spot the deductions and levers left unused.

  2. 02

    Simulation

    Step 02

    We quantify the impact of each lever, from 3a contributions to buy-ins and staggered withdrawals, scenario by scenario.

  3. 03

    Action plan

    Step 03

    You receive a clear timetable of the decisions to make this year and in the years ahead.

  4. 04

    Annual follow-up

    Step 04

    Each autumn, we adjust the strategy to your situation and to changes in the law.

Tax calendar

The right decisions are made before 31 December.

A 3a contribution, a pension buy-in, carrying out renovation work. Most tax levers must be activated before the tax year closes. A few weeks before year-end, we take stock and tell you, figures in hand, what is worth doing.

Optimise my taxes
Tax simulator

How much pillar 3a saves you.

Every pillar 3a contribution lowers your taxable income. Estimate the saving, year after year.

Total tax saving
CHF 40'645
Saving per yearCHF 2'032
Total contributed to 3aCHF 145'160

Indicative estimate, with no contractual value. The precise calculation is made with an advisor.

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Open the full calculator
A first meeting, no strings attachedYour tax analysis, free of charge.
Bring your latest tax return. We spot the unused levers and quantify what you could save.+41 32 525 50 40