Independent Advice for Your Retirement
Invexa est un cabinet genevois de conseil en prévoyance et en planification de la retraite, pour résidents suisses, indépendants et frontaliers. Nous concevons votre stratégie aux honoraires (AVS, LPP, 3e pilier, rachats, optimisation fiscale), puis vous choisissez : la mettre en place vous-même ou avec nous. Intermédiaire d’assurance non lié, enregistré FINMA (F01537672) et conseillers ARIF (LSFin).
About Invexa
Retirement is built long before it arrives: a BVG buy-in, a 3rd pillar, or the choice between a pension and a lump sum all shape the life you’ll lead tomorrow. At Invexa, we start from your plans and translate them into concrete, numbers-based scenarios. Because a worry-free retirement isn’t a matter of luck, but of clarity.
Our Expertise, At Your Service
We offer comprehensive support to help you prepare for retirement and optimize your pension planning. Whether you're planning early retirement, reviewing your occupational pension (LPP) situation, or tracking down forgotten pension assets, our experts guide you every step of the way.
Swiss Retirement
Preparing for retirement in Switzerland means anticipating your future income and needs. We develop a personalized plan across all 3 pillars to ensure a worry-free retirement.
Cross-Border Retirement
Do you work in Switzerland and live in France? We coordinate your AHV, your 2nd pillar, your 3rd pillar, and your French pension to optimize your entitlements and your taxes on both sides of the border.
LPP Asset Management
We track down your forgotten occupational pension (LPP) assets and help you consolidate them into a suitable solution to protect your vested benefits.
Pillar 3a Solutions
We review your benefits and assets to identify gaps and recommend solutions tailored to your future needs.
Pillar 3b Solutions
We help you choose a flexible Pillar 3b solution to protect your family or save freely according to your plans.
- +300 clients supported
- +35 financial partners
- Average rating 5/5
What Our Clients Say
Discover what our clients have to say about trusting Invexa with their retirement planning.
Why Choose Invexa
Between banking products, insurance solutions, and cantonal tax rules, Swiss pension planning is often complex. Many people discover too late that a poorly suited Pillar 3a, forgotten LPP assets, or a missed buy-in opportunity has cost them dearly.
At Invexa, we’re not tied to any bank or insurer. From Geneva and across all of Switzerland, we support residents, cross-border commuters, and self-employed individuals with independent, objective advice and no sales pressure.
Independent Advice
Invexa isn’t owned by any bank or insurance company. We’re paid through fees for our analysis, and you’re informed of any potential commission before you sign.
Market Comparison
We compare solutions from more than 35 partners based on their costs, terms, financial strength, and fit with your situation.
Expert Advice
Our advisors are specialists in their field, listed in the FINMA register of intermediaries and in the ARIF register (LSFin).
Why Work with a Retirement Consultant in Switzerland?
Where most advisors settle for a quick overview, we dive into the details. Our retirement planning isn’t just a few charts: it’s a comprehensive expert report of 100 to 150 pages, fully tailored to your situation.
Comprehensive Audit of All Three Pillars
A detailed analysis and consolidation of your AVS (old-age and survivors' insurance), LPP (occupational pension, 2nd pillar), and Pillar 3 benefits, giving you a complete picture of your assets.
Early Retirement
Are you considering early retirement but aren't sure whether it would be possible in your case? We analyze your situation and put a strategy in place to help you reach your goal.
LPP Pension vs. Lump-Sum Withdrawal Scenarios
Analysis and projections to help you decide between an annuity and a lump-sum withdrawal of your 2nd pillar (LPP) capital.
Meticulous Tax Projections
Precise calculation of the tax on capital withdrawal, and of income tax at retirement based on your municipality of residence, along with concrete strategies to reduce your annual tax burden.
Investment Solutions
Wealth Projections
Modeling of how your wealth will evolve over 30 years, including investment returns, taxation, and planned withdrawals.
Estate Planning and Protection
Real estate analysis
Our Approach
A free initial consultation
To understand your situation and your goals.
Submitting the quote
Your quote details the content of the analysis, the timeline, and the fees.
Collecting your documents
BVG certificates, AHV statement, 3a contracts, asset statements, tax return, etc.
Wealth analysis
We analyze your three pillars and all of your investments in order to put in place a tax-optimized plan for your chosen retirement ages.
Delivering your report
We hand over your 100-to-150-page report, in both physical and PDF format.
Implementation and ongoing follow-up
Mise en œuvre, selon votre choix : vous appliquez la stratégie vous-même, ou nous la déployons avec vous à l’aide des solutions adaptées, puis en assurons le suivi.
Regulatory Framework and Quality of Advice
At Invexa, our advice operates within a regulated and recognized framework in Switzerland.
- Insurance intermediaries registered with FINMA (No F01537672)
- Member of the Association Romande des Intermédiaires Financiers (ARIF, No 19065)
- Company registered with the Geneva Commercial Registry, (No CHE-238.643.992)
This ensures high standards of advice, transparency, and compliance.
Frequently Asked Questions
What retirement scenarios do you model?
We model, among others, early retirement between ages 58 and 65, the choice between a pension, a lump sum, or a mixed solution for the 2nd pillar, BVG buy-ins, staggered withdrawal of the 3rd pillar, taxes based on your municipality of residence, and how your wealth will evolve over 30 years.
How much does retirement planning with Invexa cost?
Basic retirement planning starts at CHF 1,500. The average cost is CHF 3,500 including tax, but it depends on the workload.
A no-obligation quote will be provided to you before any billing.
Comment nous sommes rémunérés ?
Do you support cross-border commuters?
What does the planning report contain?
How does an engagement work, and how long does it last?
After a free initial meeting, we provide you with a quote. Once the quote is accepted and your documents are received, the report is delivered to you within 4 to 8 weeks. We then support you in setting up the solutions, if you wish.
What languages are the meetings held in, and where do they take place?
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