Robin Frommer
Retirement is coming. The only question is whether you're ready.
Location: Dübendorf
Company: ATG Allfinanz & Treuhand Group AG
Languages: Deutsch
Qualifications: Finanzplaner mit eidg. FA, Dipl. Finanzberater IAF, Zert. Vermögensberater IAF, Certified Crypto Finance Expert
Topics: Vorsorge & Pensionsplanung, Vermögensaufbau & Anlegen, Immobilie, Steuern, Versicherungen
Specialties: Frühpensionierung, Rentenbezug vs. Kapitalbezug, PK-Einkauf, Steueroptimierung bei Kapitalbezug, Pensionskasse, Eigenheimkauf, Wohnsituation im Alter, Steuern bei Kapitalbezug, Investieren statt Sparen, 3. Säule, ETF-Portfolios, Nachhaltige Anlagen, Anlageobjekte, Testament, Patientenverfügung, Säule 3a Steueroptimierung, Säule 3a Steuern, Lebensversicherung, Erwerbsunfähigkeitsversicherung, Kryptowährungen
Rating: 5.0 out of 5 (2 reviews)
About Robin
In your mid-40s, your perspective on the future changes. Retirement looms closer, no longer a distant concept, but a concrete life project. And suddenly, questions arise that never mattered before.
You've built up quite a bit over the past few years. A good income, a pension fund, maybe a property or an investment portfolio. On paper, it looks solid, and yet sometimes I still have the feeling: I'm not quite sure if it all fits together.
▪️When can I stop working and under what conditions?
▪️Can I even afford early retirement?
▪️What will I actually receive from the AHV (Swiss old-age and survivors' insurance) and the pension fund?
Will my savings be sufficient? And how can I best use the remaining time to create the best possible starting position?
These questions cannot be answered in isolation, because everything is interconnected. What you pay into Pillar 3a today affects your tax bill. How you invest your available assets depends on what your pension fund already provides. And the decision of how you receive your pension fund benefits—as a lifelong annuity, a lump sum, or a combination of both—has far-reaching consequences for your liquidity, your tax burden, your flexibility, and your estate planning.
This decision is irreversible , unique for you, and deserves careful, independent analysis – ideally long before the decision needs to be made.
My approach is therefore holistic:
I coordinate all relevant components – the three pillars of our pension system, real estate, investments in personal assets, and tax planning – into a coherent overall picture. Individually tailored to your life situation, your time horizon, and your goals and wishes.
If you feel that now is the right moment to really get your finances under control, then get in touch with me.
The initial consultation is non-binding and free of charge . I look forward to taking the next step together with you.