# Advanced package: finances and pensions for the self-employed – innoVorsorge AG

> Report on liquidity, pensions, BVG, large pillar 3a and insurance for founders and the self-employed in Switzerland. First meeting and report, from CHF 1'390, no commissions.

Adresse: https://www.innovorsorge.ch/en/business/advanced-package

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## Advanced package

# Your finances as a business owner, in order
With your own company, salary, reserves, pensions and insurance are suddenly in your hands. We review your starting position and set out in a report what makes sense for you and what does not.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=advanced) from CHF 1'390

No commissions

## Who is the advanced package for?

### You are founding a company
and want to set up salary, pensions and cover correctly from the start.

### Your company is up and running
and you have handled pensions and insurance on the side so far, or not at all.

### You want independent advice
on insurance and pension products, without anyone trying to sell you something.

## What the report covers
We agree on the focus in the first meeting. These are the areas we usually look at.

### Liquidity and salary
How much you can pay yourself, which reserves you need for taxes and social security contributions, and how to keep business and private money apart. For a GmbH or AG this includes the split between salary and dividend.

### Pension set-up
Pension fund or not, large or small pillar 3a, voluntary buy-ins. Without a pension fund you can pay up to 20% of earned income into pillar 3a, at most CHF 36'288 (2026). We show what this means for your taxes and your retirement income.

### Occupational pension (BVG)
Once you have staff, or are employed by your own GmbH or AG, the pension fund is mandatory from an annual salary of CHF 22'680 (2026). We check which plan fits your company and where an existing plan has gaps.

### Insurance
Loss of earnings through illness and accident, death and disability, business liability. Self-employed people are not covered by mandatory accident insurance. We show which cover you need and which you can do without.

## Process
How the advanced package works

[Contact form](https://www.innovorsorge.ch/en/business/contact?thema=advanced)

Gathering and
submitting documents

First meeting
starting position

Report prepared by
innoVorsorge AG

You receive
the report

Final meeting
if needed

Support if needed

- [Contact form](https://www.innovorsorge.ch/en/business/contact?thema=advanced)
- Gathering and submitting documents
- First meeting starting position
- Report prepared by innoVorsorge AG
- You receive the report
- Final meeting if needed
- Support if needed

## Price

### Advanced package
from CHF 1'390

First meeting, an individual report on your finances and a final meeting if needed.

Do you have additional topics of your own or need more extensive support? In that case we bill by the hour at CHF 190, with a cost ceiling, so that we can advise you to fit your situation.

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

## A report that fits your company
Tell us briefly where you stand and what is on your mind. We will get back to you within 24 hours.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=advanced) +41 76 361 84 44

kontakt@innovorsorge.ch

### Frequently Asked Questions:

#### How does the advanced package differ from the starter package?
+ − The starter package settles the choice of legal form. The advanced package builds on it: it covers your finances as a business owner, with a first meeting and a written report, plus a final meeting if needed. The two can be combined.

#### Do I need to have founded my company already?
+ − No. The package works during formation just as well as after a few years of self-employment. The focus differs depending on where you stand; we agree on it in the first meeting.

#### What do I receive?
+ − A written report with your starting position, our assessment of each topic and concrete next steps. If you like, we go through it together in a final meeting and answer your questions.

#### Do you sell insurance or pension products?
+ − No. We do not broker products and take no commissions. You pay our fee only, which is why we can also tell you when an insurance policy makes no sense for you.

#### What happens after the report?
+ − You implement the measures yourself or with our support. Support is billed by time at CHF 190 per hour.