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Fidictuary

Your Experts for Retirement & Private Law

Whether prenuptial agreement, will, or retirement: We help you reliably plan your personal and financial future.

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Trust Begins with Clear Agreements

Those who plan ahead privately and financially protect not only themselves but also their family. Whether in marriage, in the case of divorce, in inheritance, or around retirement: With legally sound documents and individual consulting, we help you make important decisions forward-looking and securely. Our experience ranges from marriage and inheritance contracts to advance directives and living wills to tax-optimized structuring of your retirement.

Well Advised on Sensitive Topics

Personally Tailored Solutions

Every life situation is different. We offer no standard forms, but thoughtful templates and consulting that fit you – whether for prenuptial agreements or estate planning.

Secure Legal Basis

From will preparation to retirement planning: We ensure that your documents comply with legal requirements and are legally valid in an emergency.

Tax Aspects in View

Whether gift, inheritance, or retirement – we support you in recognizing tax effects early and planning optimally.

Our Services in the Area of Retirement & Private Law

Living Will

With a living will, you determine which medical measures are allowed if you are no longer capable of making decisions. We support you in filling out a living will form (PDF) or creating an individual solution – also in combination with an advance directive or a template for a power of attorney Switzerland. This way you maintain control – even in an emergency.

Our Detailed Services

A living will creates clarity – for you, your relatives, and medical personnel. We accompany you step by step.

  • Personal consulting on preparing your living will
  • Provision of a living will form to fill out
  • Adaptation of the living will form (PDF) to your wishes
  • Combination with advance directive and power of attorney templates
  • Support with legally secure deposit (e.g., with family doctor or civil registry office)
  • Regular review and updating of existing directives

How You Create Your Personal Living Will

Filling out a template is a first step – we ensure that your living will is individual and legally correct.

  • Joint filling out of a proven living will form
  • Discussion of your medical wishes and values
  • Supplementation with suitable power of attorney templates
  • Coordination with existing advance directive (optional)
  • Consulting on secure storage and informing relatives

Interesting facts

Did You Know?

A living will in Switzerland is only binding if it is clear, understandable, and current. A standardized living will form (PDF) can be a good foundation – but should always be individually adapted. Especially important: The directive should be regularly reviewed and stored in an easily accessible location. In combination with an advance directive, you comprehensively secure your self-determination.

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Advance Directive

With an advance directive, you determine who is allowed to act on your behalf in case of incapacity – whether due to illness, accident, or age-related limitations. Without an advance directive, the Child and Adult Protection Authority (KESB) determines who legally represents you. This can have far-reaching consequences.

We help you correctly write your advance directive in Switzerland, formally validly deposit it, and tailor it to your personal situation. Whether you want to adapt an existing advance directive template as PDF or create a new directive individually – we accompany you professionally and reliably.

Our Detailed Services

An advance directive is a central component of every comprehensive advance planning. It ensures that your interests are preserved in an emergency.

  • Individual consulting and creation of your advance directive
  • Provision of advance directive templates (PDF)
  • Review of existing documents for legal validity
  • Support with determining areas of responsibility (personal care, asset management, representation in legal transactions)
  • Deposit with the civil registry office or with a trusted person
  • Optional: Combination with living will and will

How You Secure Your Self-Determination

A valid advance directive must be handwritten or publicly certified. We help you choose the appropriate approach – simple, understandable, and individual.

  • Information on legal requirements in Switzerland
  • Support with selecting suitable proxies
  • Clear structuring of areas of responsibility in the advance directive
  • Use of proven templates or individual new preparation
  • Optional: Coordination with will, inheritance contract, and powers of attorney

Interesting facts

Did You Know?

An advance directive only takes effect in case of incapacity – such as after a stroke or with progressive dementia. For the directive to be legally valid, it must be fully handwritten or notarially certified. An advance directive template can be a good foundation but does not replace individual review. We recommend regularly reviewing the advance directive and updating it if necessary.

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Retirement

Retirement is a crucial step – also tax-wise. We accompany you with all questions around AHV pension, BVG pension, Pillar 3a payout, capital withdrawal, or working after retirement. Whether early retirement, tax-free income after retirement, or what happens with the pension fund in case of death before retirement:

We advise you comprehensively. The goal is to plan your retirement forward-looking, optimize it tax-wise, and tailor it to your personal situation – understandably, transparently, and in compliance with the law.

Our Detailed Services

Good retirement planning doesn’t start just shortly before retirement – but years before. We help you make the right decisions early.

  • Individual consulting on Pillar 3a, BVG pension, and AHV
  • Tax-optimized planning for Pillar 3a payouts
  • Analysis of capital withdrawal vs. pension withdrawal from the pension fund
  • Support with early retirement or continuing to work after retirement
  • Estate planning and consulting on BVG in case of death before retirement
  • Coordination with insurance and pension funds (incl. Stiftung Auffangeinrichtung)

How We Accompany You to Optimal Retirement

A thoughtful retirement and pension strategy protects your assets, reduces tax burden, and creates financial security in old age. Our consulting is individual, forward-looking, and completely tailored to your situation.

  • Personal retirement analysis incl. tax calculation
  • Scenario comparison: capital withdrawal or BVG pension
  • Integration of existing retirement instruments such as Pillar 3a
  • Time-coordinated payout concepts
  • Understandable, structured consulting without jargon

Interesting facts

Did You Know?

The payout of Pillar 3a in Switzerland is subject to a one-time taxation that varies depending on canton and amount of withdrawal. Those who withdraw their Pillar 3a in stages or distribute it across several people (e.g., spouse) can significantly reduce the tax burden. Careful planning is crucial to fully exploit the potential of your retirement planning.

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Wills

With a will, you determine yourself who gets what – instead of legal inheritance. We help you with creating, reviewing, or adapting your will and advise on questions about inheritance division, inheritance certificate samples, or unallocated inheritances in the tax return. Whether simple will template Switzerland, inheritance contract sample, or individual estate planning: We accompany you with experience and sensitivity.

Our Detailed Services

Creating a will is a responsible step. We help you make the right decisions and formulate them in a legally secure way.

  • Individual consulting and creation of your will
  • Provision and adaptation of will templates (Switzerland)
  • Support with inheritance contracts and inheritance division contracts
  • Coordination with notary or public certification
  • Review of existing wills for validity and currency
  • Consulting on estate planning and unallocated inheritances

How We Support You with Your Will

Your last will deserves full attention. We show you what matters – and accompany you structured through the entire process.

  • Personal initial conversation to capture your wishes
  • Choice between will, inheritance contract Switzerland sample, or combined solution
  • Support with creating an inheritance certificate sample Switzerland
  • Preparation of an inheritance division contract sample (free) for orientation
  • Ensuring legal validity and storage advice

Interesting facts

Did You Know?

A handwritten will in Switzerland is only valid if it is written entirely by hand and fully handwritten, dated, and signed. For complex estates or properties abroad, an additional publicly certified inheritance contract according to Swiss sample is recommended. Also tax-wise, early planning, e.g., with unallocated inheritances in the tax return, can be advantageous.

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Prenuptial Agreements

A prenuptial agreement in Switzerland creates security – whether in divorce, inheritance, or business questions. We advise you personally on prenuptial agreement Switzerland templates, prenuptial agreement samples, or combine the contract with an inheritance contract. Whether separation of property, participation in acquired property, or special regulations: We create legally secure agreements tailored to your life situation. Our expertise ensures clarity for you – today and for the future.

Our Detailed Services

A prenuptial agreement is far more than a formal document. It gives you security – in everyday life, with larger decisions, or in case of emergency.

  • Individual preparation of prenuptial agreements and marriage and inheritance contracts
  • Provision of prenuptial agreement Switzerland samples for orientation
  • Adaptation of existing contracts to new life situations
  • Consulting on separation of property, community of property, or participation in acquired property
  • Notarial accompaniment and legally secure implementation
  • Coordination with estate planning and advance directives

How We Design Your Prenuptial Agreement Personally

A prenuptial agreement doesn’t have to be complicated – it must fit you. We ensure that your wishes and values are recorded in a legally clean framework.

  • Non-binding initial conversation for goal clarification
  • Selection or creation of a suitable prenuptial agreement sample
  • Review of legal framework conditions according to Swiss law
  • Transparent consulting on choice of marital property regime
  • Cooperation with notary for legally valid certification

Interesting facts

Did You Know?

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Frequently Asked Questions

Your Contact Person

Julian Fingerhut, Partner, BSc ZFH in Betriebsökonomie

Julian Fingerhut

Partner, BSc ZFH in Betriebsökonomie

Email

info@tz-zuerich.ch

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