The same discipline that turns around a company, applied to your personal finances or your business — Swiss tax, pensions, pricing, and a clear plan toward what matters.
Senior financial expertise, when you need it — up to 5 hours of advisory support a month, no full-time hire and no long-term project. From CHF 500/month.
The same discipline that turns around a company works for your personal finances or your business. Most financial problems aren't money problems, they're clarity problems. Diagnose, redesign, transform.
Most people overpay tax and drift toward their goals without a plan — this brings structure, clarity and a clear path to what matters: lower tax, more savings, and big goals like owning a home.
A clear picture of where you stand today — income, tax exposure, pension (pillar 2 & 3a), savings and where money is quietly leaking each year.
→ Personal Financial Health CheckOptimize your tax position, structure your savings and pillars efficiently, and design a realistic roadmap toward your goals — retirement, wealth, or buying a home.
Put the plan to work and refine it year after year — capturing tax savings, building equity, and reaching the goal on schedule. Structure, not guesswork.
A real, Swiss-compliant plan — built the same way I'd structure it for a client. This example follows Swiss lending rules and pillar 2 / pillar 3a pension structures, so the figures are specific to the Swiss market. It uses disciplined monthly saving and smart tax planning that helps fund the goal along the way. Here's how the numbers work.
Swiss rules require at least half your equity as "hard" equity — cash, savings or pillar 3a (not the pension fund). We build it over 5 years:
Swiss banks don't test at the real rate — they stress-test at a theoretical 5%, plus 1% maintenance and amortization, to be sure you could cope if rates rose. Your housing cost must stay under a third of gross income:
At today's real Swiss rates of roughly 1–1.5%, the actual interest on a CHF 400,000 mortgage is only about CHF 4,000–6,000 per year — a fraction of the 5% stress-test figure. The test is deliberately conservative; your real monthly cost is far lower.
Every franc you put into pillar 3a is tax-deductible. On this income that's roughly CHF 1,500–2,000 saved in tax every year — money that goes straight back into building your down payment. Your tax optimization literally helps buy the house. This is the same principle behind the CHF 25,000 I recovered on my own Swiss tax filing.
The point: it's not luck or a high salary — it's structure. Max the right pillars, save with discipline, optimize tax, and pass the bank's test by design. That's exactly what the Individual Profit Compass builds for you.
Illustrative example based on 2026 Swiss lending rules and typical figures. Actual amounts depend on your canton, bank, pillar balances and property. Financial analysis and planning structure only — implementation is arranged with your bank and, where needed, a licensed mortgage or tax partner.
Map out your own plan — book a free call →On August 26, 2026, Economy Minister Luis Caputo announced the "Programa de Licitación de Plazos Fijos con Destino a Crédito Hipotecario" — a $2 trillion ARS program using ANSES's Fondo de Garantía de Sustentabilidad (FGS) to fund long-term mortgage lending. The FGS places 1- and 5-year time deposits with banks in tranches of $200 billion ARS, giving banks longer-duration funding to match 15-30 year mortgages. The first auction is expected in 2027 — this is a funding mechanism for banks, not yet a retail product open for individual applications.
Maximum rate: UVA + 7.5%. Minimum term: 15 years. Maximum loan: 150,000 UVA. Purpose: purchase, construction, expansion or renovation of a first home only. Total program: $2 trillion ARS, auctioned to banks in $200 billion tranches.
Caputo's own example: a USD 106,000 property, financed 75% (≈USD 80,000, ≈$114M ARS) over 25 years at UVA + 7%, gives an estimated starting installment of ≈$865,000 ARS/month. Using the 25%-of-net-income rule banks typically apply, that implies a household net income around $3.46M ARS/month — his example assumed two earners at roughly $1.8M ARS each.
Bank-specific requirements for this program aren't published yet, but Argentine mortgage applications consistently ask for the same core folder. Getting this ready now means you can move fast once a bank opens applications:
The point: the funding mechanism was just announced and won't reach individual borrowers until banks run their first auction in 2027 — but the household income math and documentation folder are worth preparing now, so you're ready the moment a bank opens applications.
Figures based on the official August 26, 2026 government announcement and illustrative example presented by the Ministry of Economy. Individual bank terms, eligibility criteria and required documents will be set by each participating bank once the program launches and may differ from the example above. This is general information, not a personalized lending recommendation — confirm specifics with your bank and, for the property transaction itself, with a local escribano.
Talk through your Argentina plan — book a free call →Running the business already takes everything you have — reporting and tools are usually the last priority, behind sales and keeping more of what you earn. This brings plain-language structure to pricing, cash and tax, without asking you to run a finance department you don't have.
A plain-language look at sales, pricing, cash in hand, margin and tax — where the business stands today, and where money is quietly leaking.
→ Business Health CheckFix pricing so growth actually converts to profit, and make sure the business is using the legal structure and deductions that fit it best.
Put the plan to work with the lightest tools that actually fit a small operation — no enterprise software, no finance department required.
Structured support for individuals, expat families, sole proprietors and small business owners.
Senior financial expertise, when you need it — up to 5 hours of advisory support a month. CHF 500/month →
Plain-language pricing, cash and margin support for shop owners and self-employed businesses — starting with a free Business Health Check.
Moving to or within Switzerland — pension transfers, withholding tax, and getting set up right from day one.
Structuring pillar 2 & 3a and savings toward a real goal, like the CHF 500,000 home example above.
Swiss tax optimization and goal roadmaps — from lowering your tax bill to a structured plan for buying a home.
Where sustainability and personal or small-business finance meet — part of BGC Research, including the Z-Factor framework. See BGC Sustainability →
Periodic check-ins as circumstances change — relocation, property, family, growth.
If sustainable choices — property, investments, business decisions — matter to your plan, the full framework and thinking lives on BGC Research.
Most people don't overpay tax because they break the rules. They overpay because they never use the ones written in their favour.
That's what I recovered on my own Swiss tax filing — not through loopholes, but by knowing precisely which deductions and corrections applied. Most people leave that money with the authorities, year after year. With a background in transfer pricing and Swiss corporate taxation, my job is to make sure you don't.
100% compliant, always. Optimization is about knowing the rules — not bending them. Delivered in coordination with your fiduciary or tax representative where filing is required.
Both start with a free conversation — no cost, no obligation, and you know the scope before committing to anything.
Personal financial planning and Swiss tax review in one engagement — from uncovering missed deductions to a structured roadmap toward goals like buying a home. 1–2 weeks.
A 5-minute plain-language assessment of sales, cash, margin and tax — then a straight read of your biggest risk and quickest win, no call required to get started.
Start with a free 60-minute strategy call. Zero commitment — walk away with your single clearest next step.
Book Your Free Call →