Financial planning is the basis for saving taxes. It is based on the individual life situation and the goals set. From this, it is easy to derive tax planning that saves a lot of money and avoids mistakes that cannot be corrected later.
Tax and financial planning
Annual calendar and dates for tax returns (short term)
Every year the same activities are repeated in order to maintain one's own financial planning and save money.
The financial roadmap for the whole year
January: Account closings, bank statements, deposit statements and other documents are sent by banks, insurance companies and other service providers.
From February: The tax office sends the tax forms.
End of March to end of November: Deadlines for filing tax returns. The deadlines vary depending on the canton and the extension. SimpleTax-Customer in the canton of Zurich, you benefit from an automatic extension until the end of November.
Mortgage anniversary: Since the conclusion of a mortgage usually takes years, this date repeats in the same month (repayment). This is always an opportunity to compare offers. If the mortgage is expiring and needs to be renewed, we recommend tackling this 6-9 months before the expiration date. You can have us do this for you using the mortgage calculator or a free initial consultation.
End of March and September: Check insurance. Health insurance companies including supplementary insurance and other private insurances such as car, travel or life insurance, check for necessity.
November: latest clarification Procurement 2nd pillar. We can offer general pension advice at any time.
By the end of November: the basic health insurance coverage should be checked by the end of November and a change of insurance should be considered. Tips for changing health insurance providers Is there ... here.
By mid-November, but no later than 30.11., the Statutory health insurance changed or the deductible checked. In concrete terms, this means that the letter has arrived at the health insurance company by the end of November 30.11th or that a confirmation has been received, for example if the online form or e-mail is used.
December: until the end of the year the 3rd pillar must be paid in order for the tax savings to be claimed.
All year round: Check securities and investments for fees and performance. As a medium-term measure, this can also be done every two years.
Long-term tax and financial planning
Long-term financial planning revolves around:
House and apartment: should these held, rented or sold What about usufruct, donation and inheritance? Is the yield of the property correct, even if it is occupied by the owner? If a sale is pending, the market situation should be clarified at the same time as the Real estate capital gains tax roughly calculated .
For investment properties, a Comparison of mortgages on the market, optimization of the fixed-rate mortgage or Saron mortgage model. In addition, when managing the property, the running costs, energy costs and administration costs should be taken into account.
Retirement: from the age of 50 we recommend a Planning of AHV, BVG and voluntary pension provisionFrom the age of 55-60, withdrawals of pension funds can be tax-optimized.
Companies and Succession: Are you self-employed entrepreneurs It is worth strategically positioning the company 10-15 years before retirement.
If you are self-employed but have not yet started a business, it is worth considering the tax consequences of a possible Foundation to discuss with a professional. A start-up can often save a lot of money, but it should also be noted that this involves a significant amount of effort and requires a certain amount of specialist knowledge. We can help with our partners for accounting and start-up for SMEs.
In addition to tax and financial planning, personal issues related to Health and Family If you do not want to or cannot do this yourself, there is the legal possibility (Art. 360 ff. ZGB) of a precautionary directive with reference to will and testamentThis can be reviewed and adjusted again and again as part of the financial plan. If you are interested, please contact us Contact us on!
Have your tax return filled out as a service
You can book appointments for the tax service from February here: Book your appointment or send your documents directly: online tax return. This is a first step that clarifies the short-term questions.
For medium and long-term tax planning, we ask you Contact us for advice. We would be happy to make you an individual offer.
