Karin Holenstein
#MeetTheExpert
Location: St. Gallen
Company: Swiss Life Wealth Managers
Languages: Deutsch
Qualifications: Certified Financial Planner, CAS in Senior Financial Consultant HWZ, CAS FHS St. Gallen in Immobilienbewertung, Zertifizierte Individualkundenberaterin, Diploma of Advanced Studies Hochschule Luzern/FHZ in Bankleitung, Finanzplanerin mit eidg. FA
Topics: Vorsorge & Pensionsplanung, Vermögensaufbau & Anlegen, Immobilie, Nachfolgeplanung, Steuern, Versicherungen
Specialties: Rentenbezug vs. Kapitalbezug, Frühpensionierung, PK-Einkauf, Pensionskasse, AHV-Optimierung, Steueroptimierung bei Kapitalbezug, Investieren statt Sparen, 3. Säule, ETF-Portfolios, Nachhaltige Anlagen, Alternative Anlagen, Wohnsituation im Alter, Eigenheimkauf, Renovation, Anlageobjekte, Hypotheken-Optimierung, Säule 3a Steueroptimierung, Wohnsitz-Optimierung, Unternehmenssteuer, Immobilie verkaufen
About Karin
As a Senior Wealth Planner at Swiss Life Wealth Managers, I have been advising clients on retirement planning since May 2024.
I have over 20 years of experience in the financial services industry. Before joining Swiss Life Wealth Managers, I held various positions, some in management, at Credit Suisse, the Raiffeisen Group, and Acrevis Bank.
I studied at the Zurich University of Applied Sciences and the Lucerne University of Applied Sciences and Arts and am a certified financial planner. I also hold several other certifications, such as Certified Financial Planner (CFP) and Personal Banking Advisor.
What is important to you in your work with clients?
For me, reliability and integrity are integral components of a sustainable client relationship. They are the key to a trusting, transparent, and responsible partnership and form the basis for long-term, stable relationships. Every client's situation is unique. Therefore, in our collaborations, I focus on providing holistic and independent advice.
What do clients value about your work?
I have over 20 years of experience in the financial services industry – years in which I have developed a deep understanding of the specific needs and goals of different types of clients and in which I have built up broad, practical, and proven expertise. In addition to my many years of experience, my clients value my empathy and openness. I take the time needed to understand their individual needs, goals, and risk profiles.
Why did you decide to expand your expertise in the area of wealth management/financial consulting?
Many people underestimate the complexity and long-term impact of financial decisions that affect their future. Others are aware of the complexity but have worries and fears about even addressing the topic. My goal is to help my clients achieve their financial goals and provide them with security for their retirement. Early and strategic planning makes it possible to build wealth sustainably and minimize risks, ensuring that your standard of living is maintained in retirement. It is very fulfilling for me to accompany my clients on this important journey. I see myself as a reliable partner at their side.
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