# Independent Financial & Retirement Planning Zurich Oberland | innoVorsorge AG

> Independent retirement and financial consulting in Rüti ZH. Pillar 3a, pension planning, mortgages & more. Book your free strategy meeting now.

Adresse: https://www.innovorsorge.ch/en

Diese Fassung wird beim Bau aus dem Inhalt der Seite erzeugt.

---

![](https://www.innovorsorge.ch/bilder/hero-haengebruecke.jpg)

# Your FinancesOur Focus
We bring true independence to the financial industry.

[Our Consulting Services →](https://www.innovorsorge.ch/en/consulting)

![Alessandrina Gull und Lukas Bachmann, Gründerteam der innoVorsorge AG](https://www.innovorsorge.ch/bilder/team-freisteller.png)

## What We Do
Your finances in expert hands

[Budget & Savings](https://www.innovorsorge.ch/en/budget)[Provision & Protection](https://www.innovorsorge.ch/en/provision)[Investing](https://www.innovorsorge.ch/en/investing)[Retirement & Financial Planning](https://www.innovorsorge.ch/en/retirement-planning)[Real Estate & Mortgages](https://www.innovorsorge.ch/en/financing)[Individual Consulting](https://www.innovorsorge.ch/en/individual)

[Our Consulting Overview](https://www.innovorsorge.ch/en/consulting)

## What Our Clients Say
Experiences that speak for themselves. Names are anonymized for privacy reasons.

- Google review"Friendly, competent and independent. Thank you very much for the advice and help. I can only recommend it to everyone."J.R.5/5 stars
- Google review"Young, friendly and competent. Top advice at fair prices. I warmly recommend Innovorsorge to everyone, young or old."E.K.5/5 stars
- Google review"We greatly appreciated the personal consultation. They honestly addressed our individual life situation without trying to sell us anything. Highly recommended, even for young people!"R.T.5/5 stars
- "The consultation was excellent. Directly addressed uncertainties and explained things multiple times patiently when needed."S.D.4.9/5 stars
- "Reliable, punctual, efficient, trustworthy. Highly motivated startup, keep up the great work!"H&U.M.5/5 stars
- "Very likeable, professional, approachable, personal and independent advice. With innoVorsorge you can be sure you are in good hands."E.R.4.8/5 stars
- "Amazing advice. Especially the structured and personal way Lukas explained everything to us was exactly what we needed."U&T.R.5/5 stars
- "Perfectly tailored advice with deep expertise. Well-chosen topics are explained clearly and simple recommendations are given. Even small changes can have a big impact. The earlier you seek advice, the longer you can benefit from it. ;)"A.R.4.5/5 stars
- "Ms. Gull was well prepared and was able to answer all questions and concerns competently and clearly. Straightforward, competent and very friendly advice."D.R.5/5 stars
- Google review"I am completely satisfied with the consultation! From the beginning I felt very well taken care of. I was particularly impressed by the comprehensive retirement and planning work – everything was explained clearly and tailored to my personal situation. Very competent and trustworthy team."L.G.5/5 stars
- Google review"Great and likeable advice. Definitely worth 5 stars and a recommendation."P.W.5/5 stars
- Google review"I very much appreciated the personal consultation with Lukas. Very friendly and competent. Looking forward to further conversations and support."C.M.5/5 stars
- Google review"We were very competently advised by Lukas regarding our upcoming retirement. Our ignorance turned into understanding how we can invest our savings plus 3rd pillar. And because we still had some questions afterwards, they were answered very correctly, quickly and thoroughly. Super, highly recommended!!"W.D.5/5 stars

[View Google reviews](https://share.google/LCq5o46gEeoxwYlXf)

### Customer Review
Google review

## Our Guarantees
Trust in our binding commitments for your financial structure

### Independence
We operate completely independently and exclusively in the interest of our clients. We have no commission agreements with insurance companies or other financial institutions.

### Satisfaction Guarantee
We stand 100% behind our consulting quality. That is why we offer a 30-day money-back guarantee without any ifs or buts!

### Data Protection
We voluntarily submit to Swiss banking confidentiality and thus maintain strictest data protection standards. All our tools are GDPR-compliant.

[Book a free strategy meeting](https://www.innovorsorge.ch/en/strategy-meeting)

## Provision Self-Assessment
Find out which provision phase you are in and what next steps are important for you.

- ### Free
- ### Anonymous
- ### Duration of 5 minutes

[Start the test now](https://www.innovorsorge.ch/en/provision-self-test)

[![Provision self-assessment on screen and mobile device](https://www.innovorsorge.ch/bilder/e438ac2f-1cd3-4050-b097-a41f045493ef.png)](https://www.innovorsorge.ch/en/provision-self-test)

## Frequently Asked Questions
Find answers to the most important questions about your retirement planning

### What distinguishes innoVorsorge AG from other providers?
We are 100% independent – without sales pressure, commissions or hidden products. Our consulting is based solely on your interests. Clear, objective, individual.

### When should I start retirement planning?
The earlier, the better. Starting at age 50 is ideal, but at least 5–10 years before planned retirement. The more time remains, the greater your flexibility.

### How much does retirement planning cost?
Our consulting costs:

Starting from CHF 1,290 for an individual
From CHF 1,490 for couples

Including: Analysis, strategy, action plan & personal summary. No hidden costs. Annual update & ongoing support optional.

### How much money do I need for retirement?
That is individual. Guideline: You should be able to cover about 80% of your last income in retirement. Our consulting helps you determine and close this gap exactly.

### When should I retire?
It depends on your financial situation, life goals and health. We show you your options – from early retirement to deferred pension – including their effects.

### Does partial retirement make sense?
Often yes. A staggered retirement enables a smooth transition, saves taxes and can even improve your pension. We calculate for you whether and how it pays off.

### How much money should I have in my pension fund at age 65?
That depends on your goals. As a rule of thumb: For a monthly pension of about CHF 3,000 you need approximately CHF 700,000 in capital. Our planning shows your individual need.

### Are my data treated confidentially?
Yes. All information is treated strictly confidentially. innoVorsorge AG voluntarily submits to Swiss banking confidentiality. More at www.innovorsorge.ch/privacy