{"id":316,"date":"2026-07-31T13:52:05","date_gmt":"2026-07-31T13:52:05","guid":{"rendered":"https:\/\/invexa.swiss\/?page_id=316"},"modified":"2026-08-29T09:48:49","modified_gmt":"2026-08-29T09:48:49","slug":"retirement-planning-cross-border-commuters","status":"publish","type":"page","link":"https:\/\/invexa.swiss\/en\/retraite-frontaliers-suisse\/","title":{"rendered":"Cross-Border Retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"316\" class=\"elementor elementor-316\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-815c098 e-flex e-con-boxed e-con e-parent\" data-id=\"815c098\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c1ab935 e-con-full e-flex e-con e-child\" data-id=\"c1ab935\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18a610b elementor-widget elementor-widget-html\" data-id=\"18a610b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"FinancialService\",\n      \"@id\": \"https:\/\/invexa.ch\/#organization\",\n      \"name\": \"Invexa S\u00e0rl\",\n      \"url\": \"https:\/\/invexa.ch\",\n      \"logo\": \"https:\/\/invexa.ch\/wp-content\/uploads\/2024\/10\/Invexa-Logo.png\",\n      \"description\": \"Conseils sp\u00e9cialis\u00e9s en 3\u00e8me pilier, fiscalit\u00e9 et pr\u00e9voyance \u00e0 Gen\u00e8ve. Experts certifi\u00e9s IAF.\",\n      \"address\": {\n        \"@type\": \"PostalAddress\",\n        \"streetAddress\": \"Chemin de Blandonnet 8\", \n        \"addressLocality\": \"Vernier\",\n        \"postalCode\": \"1214\",\n        \"addressCountry\": \"CH\"\n      },\n      \"telephone\": \"+41228860337\",\n      \"priceRange\": \"$$\",\n      \"taxID\": \"CHE-238.643.992\", \n      \"vatID\": \"CHE-238.643.992\",\n      \"legalName\": \"Invexa S\u00e0rl\",\n      \"sameAs\": [\n        \"https:\/\/www.zefix.ch\/en\/search\/entity\/list\/firm\/1707724\",\n        \"https:\/\/www.linkedin.com\/company\/invexaswiss\",\n        \"https:\/\/ch.kompass.com\/c\/invexa-sarl\/chd82549\/\"\n      ],\n      \"memberOf\": {\n        \"@type\": \"Organization\",\n        \"name\": \"IAF Communaut\u00e9 d'int\u00e9r\u00eat pour la formation dans le domaine financier\"\n      }\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https:\/\/invexa.ch\/#clairefivaz\",\n      \"name\": \"Claire Fivaz\",\n      \"jobTitle\": \"Experte en Pr\u00e9voyance\",\n      \"worksFor\": { \"@id\": \"https:\/\/invexa.ch\/#organization\" },\n      \"url\": \"https:\/\/invexa.ch\/a-propos\/\",\n      \"sameAs\": [\n        \"https:\/\/www.linkedin.com\/in\/claire-fivaz\/\",\n        \"https:\/\/featured.com\/p\/claire-fivaz\"\n      ],\n      \"knowsAbout\": [\"3\u00e8me pilier\", \"Fiscalit\u00e9 Suisse\", \"Pr\u00e9voyance professionnelle\", \"LPP\", \"Hypoth\u00e8que\"],\n      \"hasCredential\": [\n        {\n          \"@type\": \"EducationalOccupationalCredential\",\n          \"name\": \"Conseill\u00e8re financi\u00e8re certifi\u00e9e IAF\",\n          \"credentialCategory\": \"Certification\"\n        },\n        {\n          \"@type\": \"EducationalOccupationalCredential\",\n          \"name\": \"Registre des interm\u00e9diaires d'assurance FINMA\",\n          \"credentialCategory\": \"FINMA Registration\",\n          \"identifier\": \"F01518014\"\n        }\n      ]\n    }\n  ]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-664e656 elementor-widget elementor-widget-heading\" data-id=\"664e656\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Deux syst\u00e8mes, une seule retraite<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08222f1 elementor-widget elementor-widget-heading\" data-id=\"08222f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Retraite frontaliers Suisse<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d68595 elementor-widget elementor-widget-text-editor\" data-id=\"5d68595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un frontalier cotise \u00e0 l&rsquo;AVS (<a href=\"http:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">1\u1d49\u02b3 pilier<\/a>) et \u00e0 la LPP (<a href=\"http:\/\/invexa.swiss\/2eme-pilier\/\">2\u1d49 pilier<\/a>) comme un r\u00e9sident suisse. \u00c0 la retraite, la rente AVS est vers\u00e9e en France et impos\u00e9e en France. Pour le 2\u1d49 pilier, la d\u00e9cision majeure est le choix entre rente et capital (d\u00e9cision irr\u00e9versible).<\/p><p>Si le capital est retenu, il b\u00e9n\u00e9ficie du pr\u00e9l\u00e8vement lib\u00e9ratoire de 7,5 % apr\u00e8s abattement de 10 % (taux effectif 6,75 %) sous conditions, puis devient un actif priv\u00e9 \u00e0 replacer sur des supports adapt\u00e9s \u00e0 la fiscalit\u00e9 fran\u00e7aise.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ec38d posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"e2ec38d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d370067 e-con-full e-flex e-con e-child\" data-id=\"d370067\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fa75f8b e-con-full e-flex e-con e-child\" data-id=\"fa75f8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daf642c elementor-widget elementor-widget-spacer\" data-id=\"daf642c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f97a382 e-con-full e-flex e-con e-child\" data-id=\"f97a382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c639176 elementor-blockquote--skin-quotation elementor-widget elementor-widget-blockquote\" data-id=\"c639176\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"blockquote.default\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tNous accompagnons les frontaliers dans l'articulation de leur retraite suisse et fran\u00e7aise, de la planification jusqu'au placement du capital.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56e85bb e-flex e-con-boxed e-con e-parent\" data-id=\"56e85bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-83b6aee e-con-full e-flex e-con e-child\" data-id=\"83b6aee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cadcd6 elementor-widget elementor-widget-menu-anchor\" data-id=\"4cadcd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"about\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f0c787 elementor-widget elementor-widget-heading\" data-id=\"3f0c787\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Points \u00e0 retenir sur la retraite frontali\u00e8re<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e167d6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8e167d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Droits AVS (1\u1d49\u02b3 pilier) :<\/strong> Droit \u00e0 une rente suisse partielle d\u00e8s <strong>1 an de cotisation<\/strong>. Vers\u00e9e en France \u00e0 l'\u00e2ge l\u00e9gal (65 ans) et impos\u00e9e au bar\u00e8me de l'imp\u00f4t sur le revenu fran\u00e7ais (IR).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Arbitrage LPP (2\u1d49 pilier) :<\/strong> Choix irr\u00e9versible entre <strong>rente viag\u00e8re<\/strong> (s\u00e9curit\u00e9, impos\u00e9e au bar\u00e8me IR) ou <strong>capital<\/strong> (flexibilit\u00e9, transmission, fiscalit\u00e9 sp\u00e9cifique). Notification \u00e0 la caisse au plus tard 6 mois avant le d\u00e9part.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Fiscalit\u00e9 du capital LPP en France :<\/strong> Possibilit\u00e9 de b\u00e9n\u00e9ficier du <strong>pr\u00e9l\u00e8vement lib\u00e9ratoire de 7,5 %<\/strong> (sur une base abattue de 10 %, soit 6,75 % effectifs hors pr\u00e9l\u00e8vements sociaux) sous r\u00e9serve d'un versement int\u00e9gral unique (art. 163 bis II du CGI).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Optimisation par fractionnement :<\/strong> Possibilit\u00e9 de r\u00e9duire la charge fiscale globale en \u00e9chelonnant les retraits de capital (LPP, libre passage, et 3\u1d49 pilier) sur <strong>plusieurs exercices fiscaux distincts<\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>3\u1d49 pilier A (li\u00e9) :<\/strong> Accessible aux frontaliers sous condition d'opter pour la Taxation Ordinaire Ult\u00e9rieure (TOU). Sortie en capital imposable \u00e0 la source en Suisse puis \u00e0 d\u00e9clarer en France avec cr\u00e9dit d'imp\u00f4t.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-370d782 e-flex e-con-boxed e-con e-parent\" data-id=\"370d782\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a17750e e-con-full e-flex e-con e-child\" data-id=\"a17750e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e600ad elementor-widget elementor-widget-heading\" data-id=\"3e600ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi la retraite d'un frontalier suisse est un cas fiscal \u00e0 part\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-518777d elementor-widget elementor-widget-text-editor\" data-id=\"518777d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un frontalier travaille en Suisse mais r\u00e9side fiscalement en France.<\/p><p>Sa retraite n&rsquo;est ni une retraite fran\u00e7aise classique, ni une retraite suisse classique : c&rsquo;est la combinaison de deux syst\u00e8mes r\u00e9gis par des conventions bilat\u00e9rales (accord CH-UE sur la libre circulation, convention fiscale franco-suisse de 1966).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbcdce2 posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"dbcdce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/planifi\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c7f1a5 e-con-full e-flex e-con e-child\" data-id=\"9c7f1a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-677ec2b elementor-widget elementor-widget-text-editor\" data-id=\"677ec2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTrois erreurs co\u00fbtent cher, et se voient tous les jours en cabinet :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9960206 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9960206\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"061fad57c4\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#061fad57c4)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Choisir capital ou rente sans mod\u00e9lisation fiscale fran\u00e7aise pr\u00e9alable<\/strong>, en se fiant \u00e0 un tableur de la caisse suisse qui raisonne en logique fiscale suisse. La rente issue des placements est souvent bien plus avantageuse que celle de la caisse de pension.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"81d0bb1951\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#81d0bb1951)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Retirer le capital LPP sans savoir combien je peux retirer chaque mois<\/strong>, alors qu'une bonne planification permet de mettre en place un plan de rentes r\u00e9guli\u00e8res adapt\u00e9 au train de vie, sans risqu\u00e9 que le capital s'\u00e9puise pr\u00e9matur\u00e9ment.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"b97fc6b5fc\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><rect x=\"-37.5\" width=\"450\" fill=\"#ffffff\" y=\"-37.499999\" height=\"449.999989\" fill-opacity=\"1\"><\/rect><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#b97fc6b5fc)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.160917, 288.78215)\"><g><path d=\"M 164.328125 81.90625 C 135.003906 81.90625 108.960938 77.1875 86.203125 67.75 C 63.453125 58.3125 45.585938 44.910156 32.609375 27.546875 C 19.628906 10.191406 13.140625 -10.28125 13.140625 -33.875 C 13.140625 -52.082031 17.601562 -67.585938 26.53125 -80.390625 C 35.46875 -93.203125 47.015625 -102.976562 61.171875 -109.71875 C 75.335938 -116.457031 90.171875 -119.828125 105.671875 -119.828125 C 132.304688 -119.828125 153.375 -113.085938 168.875 -99.609375 C 184.382812 -86.128906 192.140625 -69.441406 192.140625 -49.546875 C 192.140625 -35.054688 187.082031 -22.835938 176.96875 -12.890625 C 166.851562 -2.953125 154.882812 2.015625 141.0625 2.015625 C 135.675781 2.015625 130.535156 1.257812 125.640625 -0.25 C 120.753906 -1.769531 116.960938 -3.707031 114.265625 -6.0625 L 114.78125 -9.609375 C 125.226562 -5.566406 134.832031 -6.15625 143.59375 -11.375 C 152.363281 -16.601562 156.75 -24.78125 156.75 -35.90625 C 156.75 -47.695312 151.859375 -57.804688 142.078125 -66.234375 C 132.304688 -74.660156 118.65625 -78.875 101.125 -78.875 C 83.59375 -78.875 68.675781 -73.476562 56.375 -62.6875 C 44.070312 -51.90625 37.921875 -37.078125 37.921875 -18.203125 C 37.921875 6.742188 47.441406 26.460938 66.484375 40.953125 C 85.535156 55.453125 111.070312 62.703125 143.09375 62.703125 C 165.675781 62.703125 186.65625 57.976562 206.03125 48.53125 C 225.414062 39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 142.410156 -271.515625 129.769531 -268.394531 118.3125 -262.15625 C 106.851562 -255.925781 97.835938 -247.332031 91.265625 -236.375 C 84.691406 -225.425781 81.40625 -212.867188 81.40625 -198.703125 L 73.828125 -198.703125 L 74.328125 -260.390625 C 85.109375 -267.472656 98.421875 -273.203125 114.265625 -277.578125 C 130.109375 -281.960938 146.628906 -284.15625 163.828125 -284.15625 C 186.410156 -284.15625 206.128906 -281.117188 222.984375 -275.046875 C 239.835938 -268.984375 252.984375 -260.8125 262.421875 -250.53125 C 271.859375 -240.25 276.578125 -228.707031 276.578125 -215.90625 C 276.578125 -199.382812 270.085938 -185.644531 257.109375 -174.6875 C 244.128906 -163.738281 225.675781 -156.914062 201.75 -154.21875 L 201.75 -149.671875 C 240.175781 -148.316406 270.257812 -137.359375 292 -116.796875 C 313.738281 -96.234375 324.609375 -69.941406 324.609375 -37.921875 C 324.609375 -21.742188 320.394531 -6.410156 311.96875 8.078125 C 303.539062 22.578125 291.992188 35.390625 277.328125 46.515625 C 262.671875 57.640625 245.648438 66.316406 226.265625 72.546875 C 206.878906 78.785156 186.234375 81.90625 164.328125 81.90625 Z M 164.328125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Placer le capital dans une solution non adapt\u00e9e, sans strat\u00e9gie de replacement et de d\u00e9cumulation<\/strong>, et le voir s'\u00e9roder par l'inflation ou fondre dans des d\u00e9penses non planifi\u00e9es.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23b159c e-flex e-con-boxed e-con e-parent\" data-id=\"23b159c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-19b704e e-con-full e-flex e-con e-child\" data-id=\"19b704e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19c1536 elementor-widget elementor-widget-heading\" data-id=\"19c1536\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AVS, LPP, 3\u1d49 pilier : les trois piliers vus par un frontalier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef6d7d4 elementor-widget elementor-widget-html\" data-id=\"ef6d7d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"R\u00e9capitulatif pr\u00e9voyance frontalier \u2014 AVS, LPP, 3\u00e8me pilier et PER\",\n  \"description\": \"Tableau r\u00e9capitulatif des cotisations, prestations \u00e0 la retraite, fiscalit\u00e9 fran\u00e7aise et actions cl\u00e9s pour chaque pilier de pr\u00e9voyance et le PER pour les frontaliers travaillant en Suisse.\",\n  \"keywords\": [\"pr\u00e9voyance frontalier suisse\", \"AVS LPP 3\u00e8me pilier frontalier\", \"fiscalit\u00e9 retraite frontalier France\", \"PER frontalier suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">R\u00e9capitulatif pr\u00e9voyance frontalier \u2014 cotisations, retraite, fiscalit\u00e9 France et actions cl\u00e9s pour AVS, LPP, 3\u00e8me pilier et PER<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Pilier \/ Support<\/th>\n        <th scope=\"col\">Cotisation frontalier<\/th>\n        <th scope=\"col\">\u00c0 la retraite<\/th>\n        <th scope=\"col\">Fiscalit\u00e9 France<\/th>\n        <th scope=\"col\">Action cl\u00e9<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>AVS (1er pilier)<\/td>\n        <td data-label=\"Cotisation frontalier\">Obligatoire, pr\u00e9lev\u00e9e sur salaire suisse<\/td>\n        <td data-label=\"\u00c0 la retraite\">Rente en France, pro rata \/ 44 ans<\/td>\n        <td data-label=\"Fiscalit\u00e9 France\">Bar\u00e8me IR<\/td>\n        <td data-label=\"Action cl\u00e9\">Reconstituer les p\u00e9riodes cotis\u00e9es, d\u00e9tecter les lacunes rachetables<\/td>\n      <\/tr>\n      <tr>\n        <td>LPP (2\u00e8me pilier)<\/td>\n        <td data-label=\"Cotisation frontalier\">Obligatoire d\u00e8s le seuil du salaire coordonn\u00e9<\/td>\n        <td data-label=\"\u00c0 la retraite\">Rente ou capital, selon r\u00e8glement de caisse<\/td>\n        <td data-label=\"Fiscalit\u00e9 France\">Rente : bar\u00e8me IR \/ Capital : 7,5 % sur base abattue 10 % = 6,75 % effectif (art. 163 bis II CGI)<\/td>\n        <td data-label=\"Action cl\u00e9\">Arbitrer rente\/capital 3 \u00e0 5 ans avant, pr\u00e9parer le fractionnement<\/td>\n      <\/tr>\n      <tr>\n        <td>3\u00e8me pilier A (li\u00e9)<\/td>\n        <td data-label=\"Cotisation frontalier\">D\u00e9ductible uniquement via taxation ordinaire ult\u00e9rieure (TOU)<\/td>\n        <td data-label=\"\u00c0 la retraite\">Capital vers\u00e9 jusqu'\u00e0 5 ans avant AVS<\/td>\n        <td data-label=\"Fiscalit\u00e9 France\">Imposition \u00e0 la source CH + d\u00e9claration FR<\/td>\n        <td data-label=\"Action cl\u00e9\">V\u00e9rifier \u00e9ligibilit\u00e9 TOU, arbitrer les versements annuels<\/td>\n      <\/tr>\n      <tr>\n        <td>3\u00e8me pilier B (libre)<\/td>\n        <td data-label=\"Cotisation frontalier\">Avantage fiscal \u00e0 Gen\u00e8ve (TOU)<\/td>\n        <td data-label=\"\u00c0 la retraite\">Sortie flexible selon contrat<\/td>\n        <td data-label=\"Fiscalit\u00e9 France\">Selon la nature du contrat<\/td>\n        <td data-label=\"Action cl\u00e9\">Int\u00e9grer dans la planification patrimoniale globale<\/td>\n      <\/tr>\n      <tr>\n        <td>PER (France)<\/td>\n        <td data-label=\"Cotisation frontalier\">D\u00e9ductibilit\u00e9 quasi nulle si 100 % du salaire est suisse<\/td>\n        <td data-label=\"\u00c0 la retraite\">Sortie en capital ou en rente<\/td>\n        <td data-label=\"Fiscalit\u00e9 France\">Bar\u00e8me IR sur le capital d\u00e9duit + Flat Tax 30 % sur plus-values<\/td>\n        <td data-label=\"Action cl\u00e9\">Pertinent uniquement en pr\u00e9sence de revenus imposables en France (ex. loyers) pour r\u00e9duire l'imp\u00f4t fran\u00e7ais<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <p class=\"note\">Point de vigilance : depuis le 1er janvier 2021, l'ouverture d'un pilier 3a par un frontalier suppose en pratique le passage en taxation ordinaire ult\u00e9rieure (TOU).<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afc8f70 e-flex e-con-boxed e-con e-parent\" data-id=\"afc8f70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4ba2013 e-con-full e-flex e-con e-child\" data-id=\"4ba2013\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6116b10 elementor-widget elementor-widget-heading\" data-id=\"6116b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment pr\u00e9parer votre retraite de frontalier : notre m\u00e9thode en 4 \u00e9tapes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4b045b elementor-widget elementor-widget-text-editor\" data-id=\"f4b045b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tChaque situation transfrontali\u00e8re a ses sp\u00e9cificit\u00e9s. Pour vous apporter des r\u00e9ponses claires et chiffr\u00e9es, nous avons structur\u00e9 une m\u00e9thode progressive, con\u00e7ue pour aborder les bonnes questions au bon moment.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf76cd posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1bf76cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/planifi\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e4f6b2 e-con-full e-flex e-con e-child\" data-id=\"6e4f6b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-547578e elementor-widget elementor-widget-heading\" data-id=\"547578e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9tape 1 : Le bilan de pr\u00e9voyance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd41bfb elementor-widget elementor-widget-text-editor\" data-id=\"cd41bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Avant d&rsquo;envisager la moindre d\u00e9cision, la premi\u00e8re \u00e9tape consiste \u00e0 \u00e9tablir un \u00e9tat des lieux pr\u00e9cis de ce que vous avez accumul\u00e9 tout au long de votre parcours professionnel :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f0fef elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"48f0fef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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Reconstitution de votre relev\u00e9 AVS, analyse de votre certificat LPP actuel, recherche d'\u00e9ventuels avoirs de libre passage oubli\u00e9s aupr\u00e8s d'anciens employeurs, et point sur vos 3\u1d49 piliers (3a \/ 3b).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"67716df546\"><path d=\"M 187 211 L 211 211 L 211 364.890625 L 187 364.890625 Z M 187 211 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"10763d7751\"><path d=\"M 10.140625 187 L 165 187 L 165 211 L 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fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#ffffff\" d=\"M 187.496094 163.773438 L 187.496094 163.953125 L 187.375 163.875 Z M 187.496094 163.773438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 163.953125 L 187.496094 187.496094 L 105.679688 105.679688 L 164.414062 147.5 L 180.386719 158.890625 L 187.375 163.875 Z M 187.496094 163.953125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 211.039062 187.496094 L 210.878906 187.496094 L 210.960938 187.375 Z M 211.039062 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 163.953125 187.496094 L 158.890625 180.386719 L 147.5 164.414062 L 105.679688 105.679688 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 164.132812 187.496094 L 164.035156 187.617188 L 163.953125 187.496094 Z M 164.132812 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 268.453125 104.8125 L 227.011719 164.335938 L 216.0625 180.042969 L 210.960938 187.375 L 210.878906 187.496094 L 187.496094 187.496094 L 201.078125 173.636719 L 212.566406 161.90625 L 213.027344 161.984375 L 212.949219 161.523438 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 269.335938 269.335938 L 187.496094 187.496094 L 211.039062 187.496094 L 216.101562 194.609375 L 227.492188 210.578125 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 269.335938 269.335938 L 210.578125 227.492188 L 194.609375 216.101562 L 187.617188 211.140625 L 187.496094 211.039062 L 187.496094 187.496094 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1c7b558dc5)\"><path fill=\"#071659\" d=\"M 187.496094 211.222656 L 187.496094 364.855469 L 164.496094 227.972656 L 180.707031 216.164062 Z M 187.496094 211.222656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 187.496094 211.222656 L 180.707031 216.164062 L 164.496094 227.972656 L 106.542969 270.179688 L 162.066406 213.492188 L 162.445312 213.089844 L 173.917969 201.378906 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.617188 211.140625 L 187.496094 211.222656 L 187.496094 211.039062 Z M 187.617188 211.140625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 213.027344 161.984375 L 212.566406 161.90625 L 212.949219 161.523438 Z M 213.027344 161.984375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 268.453125 104.8125 L 212.949219 161.523438 L 212.566406 161.90625 L 201.078125 173.636719 L 187.496094 187.496094 L 187.496094 163.773438 L 194.285156 158.832031 L 210.519531 147.019531 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 187.496094 L 173.917969 201.378906 L 162.445312 213.089844 L 162.066406 213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>En France :<\/strong> Synth\u00e8se de vos droits acquis au r\u00e9gime g\u00e9n\u00e9ral (CNAV) et aux caisses compl\u00e9mentaires (Agirc-Arrco).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83574da elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"83574da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"e7a1bad639\"><path d=\"M 9.207031 9.207031 L 365.457031 9.207031 L 365.457031 365.457031 L 9.207031 365.457031 Z M 9.207031 9.207031 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#e7a1bad639)\"><path fill=\"#41bc6e\" d=\"M 165.246094 257.816406 C 161.804688 257.816406 158.507812 256.445312 156.089844 253.996094 L 90.425781 187.664062 L 108.730469 169.535156 L 165.097656 226.472656 L 266.136719 121.164062 L 284.734375 139.003906 L 174.539062 253.851562 C 172.132812 256.355469 168.816406 257.789062 165.34375 257.816406 L 165.242188 257.816406 Z M 365.808594 187.507812 C 365.808594 89.191406 285.824219 9.207031 187.507812 9.207031 C 136.644531 9.207031 88.074219 31.019531 54.25 69.042969 L 73.503906 86.164062 C 102.441406 53.636719 143.992188 34.976562 187.507812 34.976562 C 271.613281 34.976562 340.039062 103.402344 340.039062 187.507812 C 340.039062 271.613281 271.613281 340.046875 187.507812 340.046875 C 103.402344 340.046875 34.976562 271.617188 34.976562 187.507812 C 34.976562 168.476562 38.429688 149.917969 45.242188 132.355469 L 21.222656 123.03125 C 13.246094 143.585938 9.207031 165.273438 9.207031 187.507812 C 9.207031 285.824219 89.191406 365.8125 187.507812 365.8125 C 285.824219 365.8125 365.808594 285.824219 365.808594 187.507812 Z M 365.808594 187.507812 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le r\u00e9sultat :<\/strong> Une vision consolid\u00e9e de vos futures rentes aux \u00e2ges de retraite choisis en amont, projet\u00e9es en francs suisses et en euros.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39d3016 elementor-widget elementor-widget-heading\" data-id=\"39d3016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9tape 2 : Le bilan patrimonial global<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a2ff34 elementor-widget elementor-widget-text-editor\" data-id=\"6a2ff34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLa retraite suisse ne s&rsquo;analyse pas de mani\u00e8re isol\u00e9e. Le choix entre rente et capital d\u00e9pend directement de ce que vous poss\u00e9derez et devrez g\u00e9rer une fois retrait\u00e9. C&rsquo;est pourquoi nous faisons le point sur votre situation globale :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d36142f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d36142f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"67716df546\"><path d=\"M 187 211 L 211 211 L 211 364.890625 L 187 364.890625 Z M 187 211 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"10763d7751\"><path d=\"M 10.140625 187 L 165 187 L 165 211 L 10.140625 211 Z M 10.140625 187 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"81961fb322\"><path d=\"M 187 10.140625 L 211 10.140625 L 211 164 L 187 164 Z M 187 10.140625 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"cc59a1acd7\"><path d=\"M 210 164 L 364.890625 164 L 364.890625 188 L 210 188 Z M 210 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"3ad67aa9b4\"><path d=\"M 211 187 L 364.890625 187 L 364.890625 211 L 211 211 Z M 211 187 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"72b9270c30\"><path d=\"M 164 10.140625 L 188 10.140625 L 188 164 L 164 164 Z M 164 10.140625 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"1c7b558dc5\"><path d=\"M 164 211 L 188 211 L 188 364.890625 L 164 364.890625 Z M 164 211 \" 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161.523438 L 212.566406 161.90625 L 201.078125 173.636719 L 187.496094 187.496094 L 187.496094 163.773438 L 194.285156 158.832031 L 210.519531 147.019531 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 187.496094 L 173.917969 201.378906 L 162.445312 213.089844 L 162.066406 213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Vos actifs existants :<\/strong> Immobilier (r\u00e9sidence principale, locatif, loyers per\u00e7us), placements financiers en France ou \u00e0 l'\u00e9tranger, liquidit\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span 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fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Vos engagements et votre fiscalit\u00e9 :<\/strong> Encours de cr\u00e9dits (en CHF ou EUR), fiscalit\u00e9 fran\u00e7aise actuelle et impact de l'imp\u00f4t sur la fortune immobili\u00e8re (IFI) si concern\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9e1415 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d9e1415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"e7a1bad639\"><path d=\"M 9.207031 9.207031 L 365.457031 9.207031 L 365.457031 365.457031 L 9.207031 365.457031 Z M 9.207031 9.207031 \" clip-rule=\"nonzero\"><\/path><\/clipPath><\/defs><g clip-path=\"url(#e7a1bad639)\"><path fill=\"#41bc6e\" d=\"M 165.246094 257.816406 C 161.804688 257.816406 158.507812 256.445312 156.089844 253.996094 L 90.425781 187.664062 L 108.730469 169.535156 L 165.097656 226.472656 L 266.136719 121.164062 L 284.734375 139.003906 L 174.539062 253.851562 C 172.132812 256.355469 168.816406 257.789062 165.34375 257.816406 L 165.242188 257.816406 Z M 365.808594 187.507812 C 365.808594 89.191406 285.824219 9.207031 187.507812 9.207031 C 136.644531 9.207031 88.074219 31.019531 54.25 69.042969 L 73.503906 86.164062 C 102.441406 53.636719 143.992188 34.976562 187.507812 34.976562 C 271.613281 34.976562 340.039062 103.402344 340.039062 187.507812 C 340.039062 271.613281 271.613281 340.046875 187.507812 340.046875 C 103.402344 340.046875 34.976562 271.617188 34.976562 187.507812 C 34.976562 168.476562 38.429688 149.917969 45.242188 132.355469 L 21.222656 123.03125 C 13.246094 143.585938 9.207031 165.273438 9.207031 187.507812 C 9.207031 285.824219 89.191406 365.8125 187.507812 365.8125 C 285.824219 365.8125 365.808594 285.824219 365.808594 187.507812 Z M 365.808594 187.507812 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le r\u00e9sultat :<\/strong> Un diagnostic clair de vos forces patrimoniales et des pistes d'optimisation (fiscales ou budg\u00e9taires) \u00e0 anticiper avant la fin de votre activit\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33e52f elementor-widget elementor-widget-heading\" data-id=\"a33e52f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9tape 3 : Mod\u00e9lisation des choix : rente, capital ou formule mixte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39102d1 elementor-widget elementor-widget-text-editor\" data-id=\"39102d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>C&rsquo;est le c\u0153ur de la r\u00e9flexion pour tout frontalier. Faut-il privil\u00e9gier la s\u00e9curit\u00e9 d&rsquo;une <a href=\"https:\/\/invexa.swiss\/rente-ou-capital-lpp-2eme-pilier\/\">rente \u00e0 vie ou la libert\u00e9 d&rsquo;un capital<\/a> ? Il n&rsquo;y a pas de solution unique : la meilleure option est celle qui s&rsquo;aligne sur vos projets, vos besoins de revenus, votre situation familiale et votre vision de la transmission.<\/p><p>Nous chiffrons pour vous des <strong>sc\u00e9narios sur mesure<\/strong>, tous int\u00e9gr\u00e9s en <strong>net apr\u00e8s imp\u00f4ts fran\u00e7ais<\/strong> (incluant l&rsquo;imp\u00f4t sur le revenu et les pr\u00e9l\u00e8vements sociaux selon votre r\u00e9gime d&rsquo;assurance maladie LAMal ou s\u00e9curit\u00e9 sociale) :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2fdd24 elementor-widget elementor-widget-html\" data-id=\"a2fdd24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Sc\u00e9narios de retrait 2\u00e8me pilier LPP pour frontaliers \u2014 rente, capital et mix\",\n  \"description\": \"Les quatre sc\u00e9narios de retrait du 2\u00e8me pilier LPP pour les frontaliers : 100% rente, 100% capital, mix rente\/capital et capital fractionn\u00e9 selon le profil.\",\n  \"keywords\": [\"sc\u00e9nario retrait LPP frontalier\", \"rente ou capital frontalier\", \"fractionnement retrait 2\u00e8me pilier\", \"strat\u00e9gie retrait LPP retraite suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table>\n    <caption style=\"display:none\">Sc\u00e9narios de retrait 2\u00e8me pilier LPP pour frontaliers \u2014 rente, capital, mix et fractionnement<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Sc\u00e9nario<\/th>\n        <th scope=\"col\">Objectif principal<\/th>\n        <th scope=\"col\">Pour quel profil ?<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>100 % Rente LPP<\/td>\n        <td data-label=\"Objectif principal\">Revenu garanti \u00e0 vie, gestion z\u00e9ro tracas.<\/td>\n        <td data-label=\"Pour quel profil ?\">Profil cherchant la simplicit\u00e9 et un revenu fixe sans gestion.<\/td>\n      <\/tr>\n      <tr>\n        <td>100 % Capital LPP<\/td>\n        <td data-label=\"Objectif principal\">Autonomie, transmission du patrimoine, fiscalit\u00e9 de sortie ma\u00eetris\u00e9e (pr\u00e9l\u00e8vement de 7,5 %).<\/td>\n        <td data-label=\"Pour quel profil ?\">Profil souhaitant transmettre un capital, r\u00e9aliser des projets ou disposant d\u00e9j\u00e0 d'autres revenus.<\/td>\n      <\/tr>\n      <tr>\n        <td>Mix Rente \/ Capital<\/td>\n        <td data-label=\"Objectif principal\">\u00c9quilibre entre un socle de revenu s\u00e9curis\u00e9 et une poche de liquidit\u00e9s.<\/td>\n        <td data-label=\"Pour quel profil ?\">Cas le plus courant : combine s\u00e9r\u00e9nit\u00e9 au quotidien et flexibilit\u00e9 financi\u00e8re.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f1b3e4 elementor-widget elementor-widget-heading\" data-id=\"7f1b3e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9tape 4 : Structurer l'avenir de votre capital (si la sortie en capital est retenue)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ee013 elementor-widget elementor-widget-text-editor\" data-id=\"b8ee013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si vos arbitrages vous am\u00e8nent \u00e0 retirer tout ou partie de votre <a href=\"https:\/\/invexa.swiss\/2eme-pilier\/\">2\u1d49 pilier<\/a>, ce capital devient un actif priv\u00e9 \u00e0 organiser selon vos nouveaux objectifs de retrait\u00e9 r\u00e9sident fiscal fran\u00e7ais.<\/p><p>Selon les priorit\u00e9s d\u00e9gag\u00e9es lors de votre bilan patrimonial, nous analysons les enveloppes d&rsquo;accueil les plus coh\u00e9rentes :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d1458 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"69d1458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"67716df546\"><path d=\"M 187 211 L 211 211 L 211 364.890625 L 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164.132812 187.496094 L 164.035156 187.617188 L 163.953125 187.496094 Z M 164.132812 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 268.453125 104.8125 L 227.011719 164.335938 L 216.0625 180.042969 L 210.960938 187.375 L 210.878906 187.496094 L 187.496094 187.496094 L 201.078125 173.636719 L 212.566406 161.90625 L 213.027344 161.984375 L 212.949219 161.523438 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 269.335938 269.335938 L 187.496094 187.496094 L 211.039062 187.496094 L 216.101562 194.609375 L 227.492188 210.578125 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 269.335938 269.335938 L 210.578125 227.492188 L 194.609375 216.101562 L 187.617188 211.140625 L 187.496094 211.039062 L 187.496094 187.496094 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1c7b558dc5)\"><path fill=\"#071659\" d=\"M 187.496094 211.222656 L 187.496094 364.855469 L 164.496094 227.972656 L 180.707031 216.164062 Z M 187.496094 211.222656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 187.496094 211.222656 L 180.707031 216.164062 L 164.496094 227.972656 L 106.542969 270.179688 L 162.066406 213.492188 L 162.445312 213.089844 L 173.917969 201.378906 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.617188 211.140625 L 187.496094 211.222656 L 187.496094 211.039062 Z M 187.617188 211.140625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 213.027344 161.984375 L 212.566406 161.90625 L 212.949219 161.523438 Z M 213.027344 161.984375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 268.453125 104.8125 L 212.949219 161.523438 L 212.566406 161.90625 L 201.078125 173.636719 L 187.496094 187.496094 L 187.496094 163.773438 L 194.285156 158.832031 L 210.519531 147.019531 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 187.496094 L 173.917969 201.378906 L 162.445312 213.089844 L 162.066406 213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Assurance-vie (fran\u00e7aise ou luxembourgeoise) :<\/strong> Pour prot\u00e9ger le capital, organiser une transmission hors succession ou conserver une gestion multi-devises (CHF\/EUR).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"67716df546\"><path d=\"M 187 211 L 211 211 L 211 364.890625 L 187 364.890625 Z M 187 211 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"10763d7751\"><path d=\"M 10.140625 187 L 165 187 L 165 211 L 10.140625 211 Z M 10.140625 187 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"81961fb322\"><path d=\"M 187 10.140625 L 211 10.140625 L 211 164 L 187 164 Z M 187 10.140625 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"cc59a1acd7\"><path d=\"M 210 164 L 364.890625 164 L 364.890625 188 L 210 188 Z M 210 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"3ad67aa9b4\"><path d=\"M 211 187 L 364.890625 187 L 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fill=\"#071659\" d=\"M 211.039062 187.496094 L 210.878906 187.496094 L 210.960938 187.375 Z M 211.039062 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 163.953125 187.496094 L 158.890625 180.386719 L 147.5 164.414062 L 105.679688 105.679688 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 164.132812 187.496094 L 164.035156 187.617188 L 163.953125 187.496094 Z M 164.132812 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 268.453125 104.8125 L 227.011719 164.335938 L 216.0625 180.042969 L 210.960938 187.375 L 210.878906 187.496094 L 187.496094 187.496094 L 201.078125 173.636719 L 212.566406 161.90625 L 213.027344 161.984375 L 212.949219 161.523438 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 269.335938 269.335938 L 187.496094 187.496094 L 211.039062 187.496094 L 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211.039062 Z M 187.617188 211.140625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 213.027344 161.984375 L 212.566406 161.90625 L 212.949219 161.523438 Z M 213.027344 161.984375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 268.453125 104.8125 L 212.949219 161.523438 L 212.566406 161.90625 L 201.078125 173.636719 L 187.496094 187.496094 L 187.496094 163.773438 L 194.285156 158.832031 L 210.519531 147.019531 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 187.496094 L 173.917969 201.378906 L 162.445312 213.089844 L 162.066406 213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Contrat de capitalisation :<\/strong> Utile dans le cadre de donations ou pour l'optimisation de certains imp\u00f4ts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"67716df546\"><path d=\"M 187 211 L 211 211 L 211 364.890625 L 187 364.890625 Z M 187 211 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"10763d7751\"><path d=\"M 10.140625 187 L 165 187 L 165 211 L 10.140625 211 Z M 10.140625 187 \" clip-rule=\"nonzero\"><\/path><\/clipPath><clipPath id=\"81961fb322\"><path d=\"M 187 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187.375 L 210.878906 187.496094 L 187.496094 187.496094 L 201.078125 173.636719 L 212.566406 161.90625 L 213.027344 161.984375 L 212.949219 161.523438 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 269.335938 269.335938 L 187.496094 187.496094 L 211.039062 187.496094 L 216.101562 194.609375 L 227.492188 210.578125 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 269.335938 269.335938 L 210.578125 227.492188 L 194.609375 216.101562 L 187.617188 211.140625 L 187.496094 211.039062 L 187.496094 187.496094 Z M 269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1c7b558dc5)\"><path fill=\"#071659\" d=\"M 187.496094 211.222656 L 187.496094 364.855469 L 164.496094 227.972656 L 180.707031 216.164062 Z M 187.496094 211.222656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 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213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Immobilier de rendement (type SCPI) :<\/strong> Pour transformer une partie du capital en revenus r\u00e9guliers sans contrainte de gestion locative.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><clipPath id=\"13e38a95c8\"><path d=\"M 10.140625 164 L 164 164 L 164 188 L 10.140625 188 Z M 10.140625 164 \" 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269.335938 269.335938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><g clip-path=\"url(#1c7b558dc5)\"><path fill=\"#071659\" d=\"M 187.496094 211.222656 L 187.496094 364.855469 L 164.496094 227.972656 L 180.707031 216.164062 Z M 187.496094 211.222656 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/g><path fill=\"#ffffff\" d=\"M 187.496094 187.496094 L 187.496094 211.222656 L 180.707031 216.164062 L 164.496094 227.972656 L 106.542969 270.179688 L 162.066406 213.492188 L 162.445312 213.089844 L 173.917969 201.378906 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.617188 211.140625 L 187.496094 211.222656 L 187.496094 211.039062 Z M 187.617188 211.140625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 213.027344 161.984375 L 212.566406 161.90625 L 212.949219 161.523438 Z M 213.027344 161.984375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 268.453125 104.8125 L 212.949219 161.523438 L 212.566406 161.90625 L 201.078125 173.636719 L 187.496094 187.496094 L 187.496094 163.773438 L 194.285156 158.832031 L 210.519531 147.019531 Z M 268.453125 104.8125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#071659\" d=\"M 187.496094 187.496094 L 173.917969 201.378906 L 162.445312 213.089844 L 162.066406 213.492188 L 106.542969 270.179688 L 148.003906 210.679688 L 158.953125 194.949219 L 164.035156 187.617188 L 164.132812 187.496094 Z M 187.496094 187.496094 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>PER Individuel :<\/strong> Solution ponctuelle, principalement int\u00e9ressante si vous conservez des revenus fonciers fran\u00e7ais \u00e0 neutraliser.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d7b4c6 elementor-widget elementor-widget-text-editor\" data-id=\"8d7b4c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nous ne proposons aucun de ces supports par d\u00e9faut. Le choix r\u00e9sulte d&rsquo;une analyse d&rsquo;ad\u00e9quation formalis\u00e9e prenant en compte votre horizon, votre besoin de revenus, votre situation successorale, votre tol\u00e9rance au risque et le poids relatif du capital LPP dans votre patrimoine global. Cette troisi\u00e8me \u00e9tape est <strong>optionnelle<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebd3a08 e-flex e-con-boxed e-con e-parent\" data-id=\"ebd3a08\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c373639 e-con-full e-flex e-con e-child\" data-id=\"c373639\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116e30b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"116e30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cadre r\u00e9glementaire et qualit\u00e9 de conseil<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3e328 elementor-widget elementor-widget-text-editor\" data-id=\"5b3e328\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Chez Invexa, nos conseils s\u2019inscrivent dans un cadre r\u00e9glement\u00e9 et reconnu en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c84159 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9c84159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interm\u00e9diaires en assurance inscrits au registre de la FINMA<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conseillers \u00e0 la client\u00e8le selon la LSFin enregistr\u00e9s \u00e0 l\u2019ARIF<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Respect des exigences r\u00e9glementaires suisses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6444583 elementor-widget elementor-widget-text-editor\" data-id=\"6444583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cela garantit un niveau d\u2019exigence \u00e9lev\u00e9 en mati\u00e8re de conseil, de transparence et de conformit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b789ebe e-flex e-con-boxed e-con e-parent\" data-id=\"b789ebe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42eb63a e-con-full e-flex e-con e-child\" data-id=\"42eb63a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2112c0f elementor-widget elementor-widget-heading\" data-id=\"2112c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3b8da4 e-con-full e-flex e-con e-child\" data-id=\"d3b8da4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d389d3 elementor-widget elementor-widget-n-accordion\" data-id=\"6d389d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1140\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Combien faut-il d'ann\u00e9es de travail en Suisse pour toucher une retraite AVS ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1140\" class=\"elementor-element elementor-element-01147ac e-con-full e-flex e-con e-child\" data-id=\"01147ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-344d67b elementor-widget elementor-widget-text-editor\" data-id=\"344d67b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Un an de cotisation suffit pour ouvrir un droit \u00e0 une <a href=\"https:\/\/invexa.swiss\/avs-rentes-montants-cotisations\/\">rente AVS partielle<\/a>.<\/strong> Le montant est calcul\u00e9 au pro rata du nombre d&rsquo;ann\u00e9es cotis\u00e9es par rapport \u00e0 la dur\u00e9e compl\u00e8te de <a href=\"https:\/\/invexa.swiss\/echelle-44\/\">44 ans<\/a>. La rente est vers\u00e9e d\u00e8s l&rsquo;<a href=\"https:\/\/invexa.swiss\/age-de-la-retraite-en-suisse\/\">\u00e2ge l\u00e9gal AVS<\/a> (65 ans depuis l&rsquo;harmonisation AVS 21), quelle que soit la dur\u00e9e pass\u00e9e en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1141\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1141\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Vaut-il mieux prendre son 2\u1d49 pilier en rente ou en capital quand on est frontalier ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1141\" class=\"elementor-element elementor-element-911b5b2 e-con-full e-flex e-con e-child\" data-id=\"911b5b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7edbd9e elementor-widget elementor-widget-text-editor\" data-id=\"7edbd9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Il n&rsquo;y a pas de r\u00e9ponse universelle.<\/strong> La rente offre une s\u00e9curit\u00e9 viag\u00e8re et une simplicit\u00e9 de gestion, mais elle s&rsquo;\u00e9teint au d\u00e9c\u00e8s (sauf r\u00e9version partielle au conjoint) et est impos\u00e9e au bar\u00e8me progressif fran\u00e7ais.<\/p><p>Le capital offre liquidit\u00e9, transmission et b\u00e9n\u00e9fice du pr\u00e9l\u00e8vement lib\u00e9ratoire \u00e0 6,75 % effectif sous conditions, mais impose une gestion active du capital re\u00e7u.<\/p><p>Le bon choix d\u00e9pend de votre esp\u00e9rance de vie estim\u00e9e, vos autres revenus, votre situation matrimoniale, votre projet successoral et votre app\u00e9tence \u00e0 g\u00e9rer un capital. La mod\u00e9lisation nette apr\u00e8s imp\u00f4t sur 30 ans est indispensable pour trancher objectivement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1142\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1142\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment est impos\u00e9 un capital LPP vers\u00e9 \u00e0 un frontalier retrait\u00e9 en France ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1142\" class=\"elementor-element elementor-element-90a23ae e-con-full e-flex e-con e-child\" data-id=\"90a23ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c4bf7e elementor-widget elementor-widget-text-editor\" data-id=\"5c4bf7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Le capital LPP vers\u00e9 en une fois \u00e0 un frontalier fiscalement r\u00e9sident en France peut b\u00e9n\u00e9ficier du pr\u00e9l\u00e8vement lib\u00e9ratoire de 7,5 %<\/strong>. Le taux s&rsquo;applique sur une base r\u00e9duite par un abattement forfaitaire de 10 %, soit un taux effectif de 6,75 % sur le capital brut.<\/p><p><strong>Trois conditions doivent \u00eatre r\u00e9unies :<\/strong> versement en capital et non fractionn\u00e9 en rente (au sens du contrat suisse), versement li\u00e9 \u00e0 la retraite, cotisations d\u00e9ductibles \u00e0 l&rsquo;entr\u00e9e. \u00c0 d\u00e9faut, le capital est impos\u00e9 au bar\u00e8me progressif avec application du syst\u00e8me du quotient.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1143\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1143\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que faire du capital LPP une fois qu'il est vers\u00e9 ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1143\" class=\"elementor-element elementor-element-03786cb e-con-full e-flex e-con e-child\" data-id=\"03786cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-994d73f elementor-widget elementor-widget-text-editor\" data-id=\"994d73f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le capital LPP vers\u00e9 devient un <strong>actif priv\u00e9 libre<\/strong>. Sa gestion rel\u00e8ve d\u00e8s lors de la planification patrimoniale d&rsquo;un r\u00e9sident fiscal fran\u00e7ais, ind\u00e9pendamment de son origine suisse. Selon les objectifs (revenus compl\u00e9mentaires, transmission, s\u00e9curit\u00e9, croissance), plusieurs enveloppes peuvent \u00eatre envisag\u00e9es : assurance-vie fran\u00e7aise ou luxembourgeoise, contrat de capitalisation, SCPI, compte-titres. Le choix ne se fait pas dans l&rsquo;urgence : il d\u00e9coule d&rsquo;une analyse d&rsquo;ad\u00e9quation formelle et d&rsquo;une r\u00e9flexion sur l&rsquo;ensemble du patrimoine.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1144\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1144\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que devient le 3\u1d49 pilier A d'un frontalier qui prend sa retraite ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1144\" class=\"elementor-element elementor-element-400877e e-con-full e-flex e-con e-child\" data-id=\"400877e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31f01d0 elementor-widget elementor-widget-text-editor\" data-id=\"31f01d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <a href=\"https:\/\/invexa.swiss\/pilier-3a\/\">pilier 3a<\/a> peut \u00eatre <strong>retir\u00e9 en capital d\u00e8s 5 ans avant l&rsquo;\u00e2ge l\u00e9gal AVS<\/strong>, soit \u00e0 partir de 60 ans. Le versement subit une imposition \u00e0 la source suisse (bar\u00e8me r\u00e9duit sp\u00e9cifique au capital de pr\u00e9voyance), puis doit \u00eatre d\u00e9clar\u00e9 en France. La convention franco-suisse pr\u00e9voit un m\u00e9canisme \u00e9vitant la double imposition.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1145\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1145\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Optimisation et protection successorale <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1145\" class=\"elementor-element elementor-element-9985ced e-con-full e-flex e-con e-child\" data-id=\"9985ced\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0fc4ac elementor-widget elementor-widget-text-editor\" data-id=\"c0fc4ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tMesures de protection pour le conjoint survivant et organisation structur\u00e9e de la transmission de votre patrimoine \u00e0 vos h\u00e9ritiers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1146\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1146\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Analyse immobili\u00e8re <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1146\" class=\"elementor-element elementor-element-93b71a8 e-con-full e-flex e-con e-child\" data-id=\"93b71a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efa6e02 elementor-widget elementor-widget-text-editor\" data-id=\"efa6e02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\u00c9tude de l&rsquo;impact de la retraite sur votre hypoth\u00e8que, conseils sur le renouvellement des taux et strat\u00e9gies de d\u00e9sendettement optimales.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-70f244e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70f244e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28e2cd0\" data-id=\"28e2cd0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e9d2b1 elementor-icon-list--layout-inline elementor-align-center elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4e9d2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">+300 clients accompagn\u00e9s<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">+35 partenaires financiers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Note moyenne 5\/5<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa94d39 elementor-widget elementor-widget-heading\" data-id=\"aa94d39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que disent nos clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cba735b elementor-widget elementor-widget-text-editor\" data-id=\"cba735b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez les t\u00e9moignages de nos clients qui ont fait confiance \u00e0 Invexa pour leur pr\u00e9voyance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef646fe elementor-widget elementor-widget-html\" data-id=\"ef646fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link data-noptimize=\"1\" data-no-optimize=\"1\" data-no-minify=\"1\" data-no-defer=\"1\" rel=\"stylesheet\" href=\"https:\/\/invexa.swiss\/wp-content\/uploads\/trustindex-google-widget.css?1787137738\" media=\"all\"><pre class=\"ti-widget\"><div style=\"opacity: 0;height: 0 !important;overflow: hidden !important\" data-css-url=\"https:\/\/invexa.swiss\/wp-content\/uploads\/trustindex-google-widget.css?1787137738\" class=\" ti-widget  ti-goog ti-disable-font ti-review-text-mode-readmore ti-text-align-left\" data-no-translation=\"true\" data-time-locale=\"il y a %d %s|aujourd&apos;hui|jour|jours|semaine|semaines|mois|mois|ann\u00e9e|ans\" data-plugin-version=\"14.1.1\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"minimal-fill-wave\" data-pid=\"wp-widget\" data-language=\"fr\" data-close-locale=\"Fermer\" data-review-target-width=\"300\" data-css-version=\"2\" data-reply-by-locale=\"R\u00e9ponse du propri\u00e9taire\" data-only-rating-locale=\"Cet utilisateur a uniquement laiss\u00e9 une \u00e9valuation.\" data-pager-autoplay-timeout=\"6\"> <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Avis suivante\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Avis pr\u00e9c\u00e9dent\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"0\" data-time=\"1785283200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJm1iMco5Fn7LT1bN6ChBLNobApgcWELLYi8Mjah09ambqyhA=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJm1iMco5Fn7LT1bN6ChBLNobApgcWELLYi8Mjah09ambqyhA=w80-h80-c-rp-mo-br100 2x\" alt=\"MCV profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> MCV <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->I have had a very positive experience with Claire. She was warm, professional, attentive, and took the time to understand my situation without any pressure. I have really appreciated her thoughtful advice, integrity, and genuine desire to help. I would not hesitate to recommend her to anyone looking for a knowledgeable and caring financial adviser.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1783555200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXZn9t-YVn7F2y2zc5dqQc26l79-N2b688xUBhqfqMUDvSqkJLk=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXZn9t-YVn7F2y2zc5dqQc26l79-N2b688xUBhqfqMUDvSqkJLk=w80-h80-c-rp-mo-br100 2x\" alt=\"Thomas F profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Thomas F <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->I greatly appreciated the retirement planning service offered by Invexa. Communications have been prompt and easy to understand. Claire Fivaz is professional, courteous and articulate and presented a comprehensive report giving me a detailed understanding of my current financial position and different retirement scenarios. I received a number of practical suggestions to better prepare for retirement. I am very satisfied with my experience and would not hesitate to recommend the company.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1783468800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIwF0y4SsmBVq3_4nDTJaHUTuUSLDkbgIqVB3epwlBneQYooA=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIwF0y4SsmBVq3_4nDTJaHUTuUSLDkbgIqVB3epwlBneQYooA=w80-h80-c-rp-mo-br100 2x\" alt=\"AEBI B profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> AEBI B <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Super contact avec Madame Fivaz. Tr\u00e8s efficace et flexible!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1782172800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjWmp2_49I-MmVfrgpy7WscGTGcaXSvXRr9QWN2e70TIlefZ9oc=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjWmp2_49I-MmVfrgpy7WscGTGcaXSvXRr9QWN2e70TIlefZ9oc=w80-h80-c-rp-mo-br100 2x\" alt=\"Florian G profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Florian G <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Tr\u00e8s bonne exp\u00e9rience avec Invexa. Les \u00e9changes ont toujours \u00e9t\u00e9 clairs et les conseils pertinents par rapport \u00e0 ma situation. Gr\u00e2ce \u00e0 son accompagnement, j\u2019ai aujourd\u2019hui une bien meilleure compr\u00e9hension des questions de pr\u00e9voyance et une vision plus claire de mon avenir financier. Elle prend le temps d\u2019expliquer les choses simplement et de r\u00e9pondre aux questions sans jargon inutile. Un accompagnement s\u00e9rieux, humain et agr\u00e9able du d\u00e9but \u00e0 la fin, je recommande \u00e0 100%<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1772755200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXnMLKlGFiEEC-gUVoMbwRm3UENa0v-Jh-Hoky3UAIXEoo0M3fy=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXnMLKlGFiEEC-gUVoMbwRm3UENa0v-Jh-Hoky3UAIXEoo0M3fy=w80-h80-c-rp-mo-br100 2x\" alt=\"NM ( profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> NM ( <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Mme Fivaz est tr\u00e8s avenante, r\u00e9pond aux questions possible et donne les meilleures conseils pour votre 3eme pilier! Tr\u00e8s satisfait !<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1768262400\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjV2eLF1mT2waZICH4N60zisnB_XF6ulhVRgTMtsbm8RSInbixY=w40-h40-c-rp-mo-ba12-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjV2eLF1mT2waZICH4N60zisnB_XF6ulhVRgTMtsbm8RSInbixY=w80-h80-c-rp-mo-ba12-br100 2x\" alt=\"L\u00e9o profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> L\u00e9o <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Je recommande vivement \u00e0 toute personne souhaitant r\u00e9aliser une analyse de march\u00e9 afin de mieux comprendre les produits d\u2019assurance et de pr\u00e9voyance. L\u2019accompagnement est clair, structur\u00e9 et permet d\u2019y voir beaucoup plus clair dans un domaine souvent complexe.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1766793600\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocL1MgP63FWhu9m17A-BPNGiY9eMnEmsgwXdUaPJUqh49CAVRA=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocL1MgP63FWhu9m17A-BPNGiY9eMnEmsgwXdUaPJUqh49CAVRA=w80-h80-c-rp-mo-br100 2x\" alt=\"Daniel T profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Daniel T <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Tr\u00e8s pro et super r\u00e9activit\u00e9 !<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1766102400\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVyNqZ-3jxiM9l8bWnM6k-1MknIv69qfEppGlLOVWHBIRn3txl7=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVyNqZ-3jxiM9l8bWnM6k-1MknIv69qfEppGlLOVWHBIRn3txl7=w80-h80-c-rp-mo-br100 2x\" alt=\"Elena E profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elena E <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Tr\u00e8s bonne exp\u00e9rience. \u00c9changes professionnels, clairs et men\u00e9s avec beaucoup de s\u00e9rieux. Claire s\u2019est montr\u00e9e disponible, attentive et bienveillante, avec des explications transparentes et un suivi rigoureux, sans aucune pression. Merci pour la qualit\u00e9 de l\u2019accompagnement.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1766016000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUgLpaHsfip4nz6_Yl5D65VEVJyQHl7Y-kpR3TWfEhUshPf14w_=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUgLpaHsfip4nz6_Yl5D65VEVJyQHl7Y-kpR3TWfEhUshPf14w_=w80-h80-c-rp-mo-br100 2x\" alt=\"Francine A profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Francine A <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Bonjour; j'ai \u00e9t\u00e9 absolument ravie d'obtenir d'Invexa une r\u00e9ponse si rapide et si compl\u00e8te \u00e0 ma question concernant les allocations pour enfants. Je remercie de tout coeur la conseill\u00e8re pour son empressement \u00e0 me r\u00e9pondre. Merci.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div>    <div class=\"ti-verified-by ti-verified-by-row\" data-style=\"2\"> <div class=\"ti-inner\"> Certifi\u00e9 par: Trustindex <span class=\"ti-info-icon\"><\/span> <div class=\"ti-disclaimer\">Le badge v\u00e9rifi\u00e9 de Trustindex est le symbole universel de confiance. Seules les meilleures entreprises peuvent obtenir le badge v\u00e9rifi\u00e9, avec une note sup\u00e9rieure \u00e0 4.5, bas\u00e9e sur les avis des clients au cours des derniers 12 mois. <a href=\"https:\/\/www.trustindex.io\/?a=sys&amp;c=wp-verified-badge&amp;url=\/the-trustindex-verified-badge\/\" target=\"_blank\" rel=\"noopener\">En savoir plus<\/a><\/div> <\/div> <\/div>  <\/div> <\/div> <\/pre><script>\n(function () { if (window.tiLoaderFallback) { return; } window.tiLoaderFallback = true; function tiLoadLoader() { if (window.TrustindexWidget || document.querySelector('script[src*=\"https:\/\/cdn.trustindex.io\/loader.js\"]')) { return; } let script = document.createElement(\"script\"); script.async = true; script.src = \"https:\/\/cdn.trustindex.io\/loader.js\"; script.setAttribute(\"data-ccm-injected\", \"1\"); document.head.appendChild(script); } if (\"loading\" === document.readyState) { document.addEventListener(\"DOMContentLoaded\", tiLoadLoader); } else { tiLoadLoader(); } })();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-260b4b2 e-flex e-con-boxed e-con e-parent\" data-id=\"260b4b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da41eb9 e-con-full e-flex e-con e-child\" data-id=\"da41eb9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-655910d elementor-widget elementor-widget-heading\" data-id=\"655910d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informez-vous \u00e0 travers nos articles sp\u00e9cialis\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8010c7 elementor-widget elementor-widget-text-editor\" data-id=\"b8010c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez nos articles en planification financi\u00e8re suisse et frontali\u00e8re, r\u00e9dig\u00e9s par nos experts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0f5c7f posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"f0f5c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.swiss\/blog\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vers le blog<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c421a2 posts-slider elementor-posts--thumbnail-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"5c421a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;3&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-400 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3eme-pilier tag-frontalier\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/3eme-pilier-frontalier\/\">\n\t\t\t\t3\u00e8me pilier pour les travailleurs frontaliers en Suisse\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/3eme-pilier-frontalier\/\" aria-label=\"Read more about 3\u00e8me pilier pour les travailleurs frontaliers en Suisse\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-398 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance category-retraite tag-2eme-pilier tag-frontalier tag-lpp\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/conditions-pour-retirer-son-2eme-pilier-frontalier\/\">\n\t\t\t\tConditions pour retirer son 2\u00e8me pilier en tant que frontalier\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/conditions-pour-retirer-son-2eme-pilier-frontalier\/\" aria-label=\"Read more about Conditions pour retirer son 2\u00e8me pilier en tant que frontalier\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-396 post type-post status-publish format-standard has-post-thumbnail hentry category-retraite tag-2eme-pilier tag-3a tag-3b tag-3eme-pilier tag-avs tag-frontalier tag-lpp\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.swiss\/en\/recuperer-retraite-suisse\/\">\n\t\t\t\tR\u00e9cup\u00e9rer sa retraite suisse\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tAugust 3, 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.swiss\/en\/recuperer-retraite-suisse\/\" aria-label=\"Read more about R\u00e9cup\u00e9rer sa retraite suisse\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69546d6 e-flex e-con-boxed e-con e-parent\" data-id=\"69546d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-067f70a e-con-full e-flex e-con e-child\" data-id=\"067f70a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4b0e17e e-con-full e-flex e-con e-child\" data-id=\"4b0e17e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b237f elementor-widget elementor-widget-heading\" data-id=\"10b237f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites le point sur votre retraite frontali\u00e8re<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6cd575 elementor-widget elementor-widget-text-editor\" data-id=\"e6cd575\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ne laissez pas un choix irr\u00e9versible au hasard. \u00c9changeons sur votre situation pour mod\u00e9liser vos sc\u00e9narios et construire votre planification transfrontali\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8622d elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4f8622d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d7ef96 e-con-full e-flex e-con e-child\" data-id=\"2d7ef96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a61937d elementor-hidden-mobile elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"a61937d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-27\" alt=\"\" srcset=\"https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.swiss\/wp-content\/uploads\/2026\/07\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Deux syst\u00e8mes, une seule retraite Retraite frontaliers Suisse Un frontalier cotise \u00e0 l&rsquo;AVS (1\u1d49\u02b3 pilier) et \u00e0 la LPP (2\u1d49<\/p>","protected":false},"author":1,"featured_media":318,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-316","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/comments?post=316"}],"version-history":[{"count":52,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/316\/revisions"}],"predecessor-version":[{"id":2161,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/316\/revisions\/2161"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/318"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}