Is financial planning necessary?

Retirement planning raises many questions and involves many topics (e.g. AHV, pension fund, vested benefits, pillar 3a/b, inheritance, real estate, mortgages, securities, succession planning). All of these topics are interlinked and there is a risk of getting lost in the details when dealing with them. Financial planning is the best tool for maintaining an overview and recognising and understanding the interdependencies. The clarity gained is the basis for making the right decisions. It is advisable to review your planning regularly in order to be able to react to any changes in your personal or legal situation.