Financial Planning.

Financial Planning for Private Individuals.

Well-thought-out financial planning is the key to long-term financial security. Every individual has unique needs, goals, and challenges, shaped by their personal life situation and family structure. Therefore, it is crucial to tailor financial planning to unique wishes and circumstances.

Whether starting a career, founding a family, purchasing a home, or preparing for retirement – well-thought-out financial planning provides security in all life situations. As part of the planning, we check, for example, whether your pension solutions are well-structured, if you are getting the most out of your pension fund and 3rd pillar, and if your family and children are optimally protected.

360 Consulting AG is here to support you: Our experienced consultants analyze your financial situation, react to changes in your life situation, develop tailored strategies, and accompany you on your path to achieving your short-term and long-term goals. We consider all essential aspects, from budget planning and retirement provision to investments and insurance. We are happy to show you ideas and possibilities and provide concrete recommendations for action to help you achieve your goals.

Benefits of Financial Planning:

  • Financial Security:
    You know exactly how to achieve your goals and are better prepared for unexpected events.
  • Clarity and Control:
    A clear overview of your financial situation enables you to use your money efficiently and purposefully.

  • Efficient Resource Utilization:
    Through smart planning, you avoid unnecessary expenses and make optimal use of your financial resources.

  • Realize Long-Term Goals:
    Whether it’s retirement planning, purchasing real estate, or funding your children’s education – solid financial planning helps you achieve your long-term wishes and goals.

There are many reasons for financial planning.

  • We recommend planning for retirement no later than age 55. To achieve your goals, many decisions and clarifications need to be made. We support you in this and advise you independently and holistically.

  • A major investment (e.g., buying a house) and other life events can also influence your financial obligations and future plans. A financial plan ensures that you maintain an overview and are prepared for the future. Talk to us.

Financial Planning for Your Home.

Careful financial planning is crucial when buying a home. It helps you optimize financing, take out appropriate insurance, and realistically estimate future costs. Through thorough planning, you secure not only your home but also your long-term financial stability.

Financial Planning for a Home Purchase
Financial Planning for Family Protection

Financial Planning for Family Protection.

Comprehensive financial planning is essential for family protection. It ensures that your loved ones are financially secure in the event of unexpected circumstances. Through targeted measures such as life insurance, emergency funds, and thoughtful estate planning, you provide financial security and stability for your family.

Financial Planning for Retirement.

Well-thought-out provision is crucial for your financial security – today and in the future. Our consultants help you get the most out of your pension fund and 3rd pillar and optimally protect your family. Targeted financial planning is essential for retirement planning. It helps you structure your retirement provision optimally so that you can enjoy your desired standard of living in retirement.

Especially in retirement planning, comprehensive advice proves its importance. Insurers and banks constantly launch new products – we compare them neutrally and clearly show you your options. Our recommendations are flexible and take into account changes in your life situation. This way, you receive a retirement strategy that suits you in the long term.

Financial planning
Financial Planning for Self-Employed

Financial Planning for the Self-Employed.

For self-employed individuals, precise financial planning is particularly important to ensure the long-term success and stability of the business. It includes careful planning of income and expenses, setting aside reserves for unexpected events, and ensuring solid retirement provision. A well-thought-out financial strategy helps you minimize financial risks, optimize your liquidity, and achieve your business and personal goals.

Financial Planning for Inheritance or Gift.

In the case of an inheritance or gift, careful financial planning is essential to optimally manage the new assets and minimize tax burdens. Precise planning helps you integrate the inheritance or gift meaningfully into your financial strategy, utilize potential tax advantages, and ensure long-term asset protection.

Financial Planning Inheritance
Tax Advisory Team

Financial Planning for Tax Optimization.

Well-thought-out financial planning is crucial to optimally utilize tax advantages and minimize your tax burden. It includes analyzing your income and expenditure structure, utilizing deductions, and strategically planning your investments. Through targeted measures, you can optimize your tax strategy and be financially efficient and tax-advantageous in the long term.

Comprehensive Consulting.

You can also take advantage of our comprehensive consulting services for the following topics.

Insurance
Insurance
Pensions
Pensions
Mortgages
Mortgages
Taxes
Taxes

Financial Planning Process at 360 Consulting AG.

Our structured process for tailored financial planning ensures that all aspects of your financial situation are considered. We go through the following steps together:

  • 1
    Initial Consultation and Goal Definition
  • 2

    Analysis of the Current Situation

  • 3

    Development of a Tailored Financial Plan

  • 4

    Presentation and Discussion of the Financial Plan

  • 5

    Implementation of Strategies

  • 6

    Regular Review & Adjustment

The Most Important Questions at a Glance:

It’s never too early to start financial planning. Young adults benefit by developing healthy financial habits early on and preparing for future events. In the event of significant life changes such as marriage, the birth of a child, buying a property, or a job change, it is also advisable to adjust financial planning. A detailed plan for retirement should be made no later than between the ages of 50 and 55.

Our experienced consultants offer expert support and tailored solutions specifically adapted to your individual situation. We analyze your financial situation, identify your goals, and create a plan that helps you achieve them. Furthermore, we support you in regularly reviewing and adjusting your financial planning. This allows for flexible reactions to changes in your life or the economic situation.

The costs for financial planning can vary, depending on the complexity of your financial situation and the scope of services required. We offer transparent and fair pricing models tailored to your needs. In an initial consultation, we will clarify with you what scope makes sense for you and prepare an individual offer.

The costs for retirement planning can vary depending on the scope and complexity of the required services. A free initial consultation provides a clear understanding of all costs and ensures that your retirement provision is optimally tailored to your individual needs. More detailed information on costs and further details can be found on our website in the “Downloads” section under “Transparency.”

The amount you need after retirement largely depends on your desired lifestyle and expenses. As a rule of thumb, you will need about 60-80% of your last income to maintain your previous standard of living. Detailed financial planning helps you determine this figure more precisely and ensure you have sufficient reserves.

A pension gap arises when your projected pension income (e.g., from AHV and pension fund) is insufficient to secure your standard of living in retirement. To calculate the gap, we analyze your expected expenses in retirement and compare them with your projected income. If a gap exists, we develop targeted strategies to close it through additional savings measures or investments. Early planning and adjustments help you ensure your financial security in retirement.

Drawing funds from the 3rd pillar and the pension fund can have tax consequences. To avoid high tax burdens, it is advisable to draw these funds in stages over several years. We help you plan the optimal time for withdrawal to minimize your tax burden. This way, you can benefit from possible tax relief.

The AHV pension can be drawn from age 62 (women) or 63 (men) or deferred until age 70. An earlier withdrawal leads to a permanent reduction in the pension, while a deferral leads to an increase in the pension. We support you in this decision, based on your health, financial situation, and life plans, to choose the best option for you.

The amortization of your property reduces your debts and lowers your ongoing interest costs. The decision of whether and how much you should amortize depends on your overall financial strategy, including your liquidity and tax situation. We will work with you to develop a plan that ensures a balanced approach between amortizing your property and other financial goals.

With a living will (Vorsorgeauftrag), patient decree, power of attorney, and a will, you can ensure that your wishes are respected even if you are no longer able to make decisions yourself. We support you in creating these important documents to guarantee security for you and your relatives in every situation. This way, your wishes are clearly and legally binding.

Unmarried couples should take specific measures to financially protect each other, as they are less protected by law. Important steps can include joint accounts, life insurance, and specific testamentary provisions. We support you in developing the best strategies to ensure that your partner is comprehensively protected even in difficult times.

Many people have too many or unsuitable insurance policies that cause unnecessary costs. We review your existing insurance policies and help you align them with your actual needs. This way, we ensure that you are optimally insured without superfluous premiums.

As you age, your healthcare needs change, and it is important that your health insurance and other healthcare solutions are adjusted accordingly. We analyze your current situation and recommend targeted adjustments to ensure you are optimally covered while avoiding unnecessary costs.

Careful estate planning ensures that your assets are distributed according to your wishes and that your loved ones are well provided for. We support you in considering all relevant aspects of estate planning to ensure that your assets are effectively managed and your wishes are clearly and legally binding.

Holistic financial planning comprises several essential areas:
  • Needs and Wishes:
    Defining financial goals and life dreams.
  • Current Situation:
    Recording the current financial situation as a starting point.
  • Budget Planning:
    Overview of all income and expenses to optimize the budget.
  • Saving:
    Building reserves for short-term and long-term goals.
  • Retirement Provision:
    Planning financial security for retirement.
  • Insurance:
    Protection against unexpected risks and events.
  • Investments:
    Wealth accumulation through targeted investments in securities, real estate, etc.
  • Tax Optimization:
    Utilizing tax benefits and deductions to minimize the tax burden.

  • No Clear Goal Setting:
    Without concrete goals, it is difficult to develop an effective financial plan.
  • Insufficient Reserves:
    An emergency fund is essential. However, many forget to build it up in time.
  • Excessive Debt Accumulation:
    Avoid unnecessary loans and prioritize paying off existing debts.
  • Lack of Adjustments:
    Your financial planning should be regularly adjusted, especially for changes in your life circumstances.

Contact us.
We would be happy to advise you.

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