Your Business
Our Focus
Independent advice on legal form, finances and pensions.
Our Consulting Services →
What We Do
For founders and the self-employed
What Our Clients Say
Experiences that speak for themselves. Names are anonymized for privacy reasons.
Our Guarantees
What you can rely on when working with us
Independence
We have no commission or brokerage agreements with insurers, collective foundations or banks. You pay for our advice, so our recommendation follows your business, not a product.
Fixed prices
Every service has a price you know in advance: starter package CHF 790, advanced package and BVG analysis from CHF 1'390, individual consulting CHF 190 per hour. No commissions, no extra charges.
Data protection
We voluntarily submit to Swiss banking secrecy and maintain the strictest data protection standards. All tools we use are GDPR-compliant.
Legal form test
Find out whether a sole proprietorship, GmbH or AG suits your idea, and what that means for your finances and pension.
Free of charge
No sign-up
Takes 5 minutes
Frequently Asked Questions
Answers to the most important questions about founding, finances and pensions
What makes innoVorsorge AG different from other providers?
We are independent and work for a fee only. Many advisory services for small businesses seem free because insurers and pension institutions pay for them through commissions and brokerage fees. With us, you pay for the advice, and the recommendation follows your situation.
Which legal form suits my idea?
It depends mainly on the liability risk, the expected profit, the capital available and whether you found alone or with partners. Our free legal form test gives you a first indication; in the starter package we go through the three forms with you in detail.
What does the consulting cost?
Starter package CHF 790, advanced package from CHF 1'390, BVG analysis from CHF 990. Individual questions are charged at our hourly rate of CHF 190. You know the price before we start.
Do I need a pension fund as a self-employed person?
Without employees, you are not required to join an occupational pension scheme. You can do so voluntarily, for example through an industry association scheme or the substitute pension institution. Without a pension fund, the larger pillar 3a limit is open to you. We work out what suits you best in the advanced package.
When is a BVG analysis worthwhile?
As soon as you hire staff who reach the BVG entry threshold, you need an occupational pension solution. The same applies if your company is already affiliated and you want to review the costs and benefits of the current solution. We put the solution out to tender, gather the offers and support you in choosing.
Can I change the legal form later?
Yes. A sole proprietorship can later be converted into a GmbH or AG. This involves effort and costs and has tax consequences, so it pays to settle the question before founding.
Will my data be treated confidentially?
Yes. All information is treated in strict confidence. innoVorsorge AG voluntarily submits to Swiss banking secrecy. More at www.innovorsorge.ch/en/privacy