Frequently asked questions

We usually reply to enquiries by email or form within 24 hours, Monday to Friday. You can reach us by phone Monday to Friday from 9 am to 5 pm. Our office is closed at weekends and on public holidays; enquiries received then are answered on the next working day.

Yes. In the first meeting we clarify your needs and the next steps. You then receive a quote without obligation.

Yes, by appointment. We do not have an official office in Zug but a meeting location for appointments. Please arrange a meeting on +41 41 545 05 16.

Yes. We advise in German and English and also look after international clients.

In person in Kägiswil, by post or digitally via our secure upload. Please do not send confidential documents by email.

Yes. We look after Swiss and international clients and advise in German and English.

No. We are happy to welcome you in Kägiswil or, by appointment, in Zug. However, many matters can also be handled by phone, email or via our secure upload.

As a rule, we need your salary certificate, tax statements and bank statements as at 31 December, confirmations of pillar 3a contributions, receipts for medical and further-education costs and, for real estate, the documents on mortgage interest and maintenance costs. Your last tax assessment is also helpful.

Contributions to pillar 3a (private pension) can be deducted from taxable income up to the maximum amount set each year. The payment must be made by 31 December. How much you save depends on your income and canton of residence.

An extension of the deadline can be requested from the cantonal tax administration. Please contact us early so that we can plan the next steps together.

Legal entities such as a GmbH (LLC) or an AG (corporation) are always required to keep accounts. Sole proprietorships and partnerships must keep double-entry accounts from an annual turnover of CHF 500,000; below that, simple records of income, expenses and assets are sufficient.

VAT liability generally begins as soon as a company generates a worldwide annual turnover of CHF 100,000 from taxable supplies. Registration is made with the Swiss Federal Tax Administration (ESTV). Voluntary registration can make sense in certain cases; we will be happy to advise you.

Accounting records, receipts and business correspondence must be kept for ten years. Electronic storage is permitted, provided the documents are archived completely, legibly and in an unalterable form.

That depends, among other things, on liability, your tax situation, pension provision and your plans for the future. A sole proprietorship is easy to set up, but the owner is personally liable. With a GmbH or AG, liability is limited to the company's assets. We show you the differences based on your specific case.

Once all documents are available, a GmbH or AG is usually entered in the commercial register within a few weeks. The duration depends mainly on the appointments with the bank and the notary and on processing by the commercial register office.

In addition to our fee, there are fees for the notary and the commercial register. For a GmbH or AG, the capital must also be paid in; it is then available to the company. You will receive a quote from us in advance.

Yes. With a company domicile, your company receives a business address in Switzerland, which can be entered as its registered office in the commercial register.

Yes. A company can register its seat at a c/o address if the domicile provider grants it a legal domicile there. A corresponding confirmation from the domicile provider is required for the entry in the commercial register.

We receive your business mail and handle it according to the agreed service. Depending on the package, we forward it to an address of your choice or provide it to you digitally.

The "Essential" package includes the business address with a basic mail service. You can add further services at any time.

With an escrow service, one party deposits money or assets with a neutral third party. The third party releases the assets only once the previously agreed conditions have been met, for example when the goods have reached the buyer.

We handle transactions from CHF 5,000. An escrow service is particularly useful for larger amounts and when the parties do not yet know each other.

The deposited amount is only released once the agreed conditions have been met. How to proceed in the event of a dispute is set out in advance in the escrow agreement.

We keep valuables in a safe-deposit box within a larger safe. For security reasons, this safe is not located in our offices but at an external location. The valuables remain there until the agreed completion of the transaction.

The costs depend on the size of the object and the duration of safekeeping. We will be happy to prepare a quote without obligation in advance.

For an initial assessment, details of the type of transaction, the approximate amount and the parties involved are sufficient. For the actual handling, we then need identity documents of both parties and the documents relating to the transaction.

As soon as you employ staff, accident insurance under the UVG is mandatory. In addition, employees above a statutory annual salary must be insured in the occupational pension scheme (BVG). Depending on your activity, other insurances may be required, for example for motor vehicles.

No, it is not required by law. However, employers must continue to pay salaries for a certain period in the event of illness. Daily sickness benefits insurance can cover this risk. In some industries, a collective labour agreement also requires such insurance.

Yes. We analyse your existing policies for gaps, double insurance and potential for optimisation and discuss the results with you.

Smaller companies also work with customer data and depend on functioning IT. Cyber insurance can cover costs after an attack or data loss. Whether it makes sense for you is something we clarify together.

For most households, personal liability and household contents insurance form the basic cover. Which other insurances make sense depends on your life situation, for example home ownership, vehicles or family.

Contributions to pillar 3a can be deducted from taxable income up to the statutory maximum and improve your retirement provision. Whether an account or an insurance solution suits you better is something we discuss with you.

Yes. Anyone who employs domestic help or a cleaner must insure them against accidents, regardless of the number of hours worked. We show you how to do this easily.

No, we do not offer advice on health insurance funds. We focus on property, liability, personal and pension insurance.

The Financial Services Act protects investors. Among other things, it obliges advisers to inform you about risks and costs and to check whether an investment matches your knowledge and goals.

That depends on your investment horizon, your financial situation and your personal risk tolerance. If you will only need the money in many years, you can usually accept more fluctuation. We clarify this together with you.

A 3a account is simple and low in fluctuation, but usually earns little interest. A 3a solution with securities offers higher return potential in the long term but is exposed to price fluctuations. The right solution depends on the time horizon until retirement.

Yes. The conditions of different providers can differ considerably. A comparison before a purchase or before renewing an existing mortgage is therefore worthwhile in most cases.

• Bank and credit card statements
• Outgoing and incoming invoices
• Receipts and expense vouchers
• Contracts, for example rental, leasing and insurance contracts
• Payroll documents and changes in staff

• Copy of the passport or identity card of all persons involved
• For existing companies: current extract from the commercial register
• Short description of the business activity

No. You open the upload link and upload the files directly. No account or software installation is required.

The uploaded files are visible only to our team. Other clients see neither your files nor the names of your documents.

Exclusively on servers in Switzerland. We use the Swiss provider Infomaniak, whose data centres are located in Switzerland.

Ordinary emails are not sufficiently protected for confidential documents such as salary certificates, bank statements or copies of ID. The upload is the more secure solution.

Yes. You can use the upload again at any time to submit missing or new documents.

Yes. You can download, print and use all checklists and fact sheets free of charge.

In person at our office in Kägiswil, by post or digitally via our secure upload.