# Consulting for founders and the self-employed – innoVorsorge AG

> Independent advice for founders and the self-employed in Switzerland: legal form, finances, pensions and a BVG solution for your team. Fee-based, no commissions.

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

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

---

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

# Your BusinessOur Focus
Independent advice on legal form, finances and pensions.

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

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

## What We Do
For founders and the self-employed

[Starter package](https://www.innovorsorge.ch/en/business/starter-package)[Advanced package](https://www.innovorsorge.ch/en/business/advanced-package)[BVG analysis](https://www.innovorsorge.ch/en/business/bvg-analysis)[Individual consulting](https://www.innovorsorge.ch/en/business/individual)

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

[Get in touch](https://www.innovorsorge.ch/en/business/contact)

## 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

[Start the test now](https://www.innovorsorge.ch/en/business/legal-form-test)

[![The legal form test on screen and mobile device](https://www.innovorsorge.ch/bilder/rechtsform-test-vorschau-en.png)](https://www.innovorsorge.ch/en/business/legal-form-test)

## 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