Conseils financiers pour la retraite : Entretien avec un conseiller de la Banque cantonale de Zurich

At retirement, finances play a crucial role. It is therefore logical to turn to a financial institution for advice. Roman Schwarz heads the financial advisory at the Zurich Cantonal Bank: “In retirement advisory, the clients’ projects and objectives are central. We emphasize the financial effects and examine how they can best be reconciled with predictable income and expenses.” Advisors have an in-depth knowledge of the subject. “Most of us have a basic education in business and additional training in financial planning and provision.”

Those seeking retirement advice from BCZ must start by providing a range of documentation so that the advisor can prepare for the meeting. This includes a bank statement or a projected calculation of the AHV, the pension certificate of the 2nd pillar, and the assets of the 3rd pillar. “There is a checklist for this purpose, as it is important to have a good overview. Then we can establish a serious financial plan.” In addition, clients must complete a questionnaire indicating their marital status and the number of their children. Roman Schwarz recommends that couples attend counseling meetings together, “since we are talking about both of your futures.”