"Five years ago, Pierre, 42 years old, dreamed of acquiring a house in Lavaux and financing prestigious studies for his children. Yet, every year, it was the same observation: the tax quietly but surely chipped away at his ambitions. Until the day he understood that his taxation could become an ally."

And you?

Does your taxation work against your projects... or for them?

In Switzerland, taxes are often seen as an inevitable burden. However, for those who know the rules of the Swiss system, real opportunities arise. One must know how to seize them.

Swiss Taxation: A Playground... If You Know How to Use the Rules

Unlike many countries, Switzerland gives you the power to negotiate with your taxes.

Due to federalism, the tax burden varies widely from one canton to another – and even from one municipality to another. But that’s not all.

Mechanisms such as:

• The 3rd pillar (tax-deductible retirement savings)

  
  

• Redemptions from occupational pension plans (LPP)

  
  

• Mortgage deductions

  
  

• Wealth structuring through companies or foundations

are levers to lighten taxes… while moving towards your personal goals.

Concrete example:

With an LPP redemption of CHF 50,000, a Geneva executive can reduce their taxable income, sometimes saving more than CHF 15,000 in taxes in a single year. This released money can then be invested… in the purchase of real estate or to build a retirement capital.

Aligning Your Tax Strategy with Your Life Projects: A Proactive Approach

It’s not about tinkering with a few deductions here and there.

It’s about building a plan.

A plan where every tax decision perfectly intertwines with your projects:

• Buying a primary residence? Use the tax leverage of mortgage interest.

  
  

• Preparing for an early retirement? Maximize voluntary contributions to the pension plan.

  
  

• Financing your children’s education? Organize your wealth in a tax-efficient manner.

  
  

• Passing on your estate? Take advantage of favorable cantonal rules regarding donations.

In Switzerland, every stage of your life can benefit from well-thought-out tax optimization.

Beware: Inaction is Costly

Many wait...

Thinking that their situation is "not complex enough," or that "the moment will come later".

However, in Switzerland, time is a multiplier factor in taxation.

A simple planned LPP redemption at 40, rather than at 55, can generate more than double tax savings.

Similarly, choosing the right canton at retirement can save several hundred thousand francs over time.

Real example:

A couple from Lausanne planning to retire at 62 moved their residence to Fribourg. Result: an estimated tax gain of CHF 200,000 over 20 years.

How to Get Started? A Change of Perspective, Above All

The first step is not technical. It’s mental.

It’s about moving from:

• Passivity ("I endure my taxes")

to:

• Informed action ("I put my taxes at the service of my projects").

Making your taxation a lever for freedom.

It then involves:

1. A personalized assessment: understanding your income, your wealth, your projects.

   
   

2. An integrated strategy: every tax action must fit into a coherent whole.

   
   

3. A tailored support: as each financial situation is unique.

   
   

Conclusion: What if Today Was the Right Time?

Pierre now lives well in Lavaux. His children study at international universities.

His secret?

He did not let taxation dictate his choices. He integrated it into his life project, as a faithful ally.

And you, how far could your projects go...

If you made your taxation a travel companion rather than an adversary?

The best way to foresee the future is to align it with your taxation today.