The decisions that define a retirement are made only once.

For private clients approaching retirement, a liquidity event, or a cross-border move, Egalia Partners builds the plan and coaches the decisions behind it. Independent, regulated, and based in Geneva.

How we work with private clients

Retirement & Pension Planning

Structuring the 1st, 2nd and 3rd pillars into a single retirement income plan. Buyback timing, the pension-versus-capital decision, and withdrawal sequencing, modelled for your situation in Geneva and across Switzerland.

Behavioural Wealth Planning, the BWP Compass© Method

A structured diagnostic of the cognitive and emotional biases behind your financial decisions, paired with coaching protocols that improve decision quality where it matters most.

Estate & Succession Planning

Beneficiary clauses, marital property and Swiss forced-heirship, coordinated with your notary, so that three decades of building are not undone in a single unplanned moment.

Cross-Border Wealth: Switzerland as a Safe Harbour

Educational guidance on Swiss residence, pension portability and jurisdictional stability. Information only, never an offer directed into the European Union.

Who is a BWP client

A BWP client is defined less by net worth than by the decisions ahead of them.

They are typically within ten to fifteen years of retirement, or navigating a liquidity event: a business sale, an inheritance, a divorce, a cross-border move. What they share is exposure to a small number of irreversible, emotionally charged financial decisions, and the will to have those decisions examined before they are made. The BWP Compass© questionnaire is the entry point. A client who declines to complete it is, by our own definition, not yet a BWP client.

Five profiles, one destination

The BWP Compass© score places each client on a five-step scale. The score sets the intensity of coaching, not a verdict. Every profile is built to progress toward the one above it.

Profile

BWP score

Accompaniment

Protected

1.0 - 2.1

Bi-monthly, protective guardianship. No irreversible decision taken alone.

Supported

2.2 - 2.9

Monthly structured coaching and a full financial-literacy programme.

Guided

3.0 - 3.7

Quarterly targeted coaching on the one or two active biases.

Autonomous

3.8 - 4.4

Semi-annual strategic co-pilot. The client decides, we challenge.

Expert

4.5 - 5.0

Annual strategic sparring. Focus on transmission and structure.

Representative situations

Anonymised from real mandates. Each is a moment where the right decision, made calmly, is worth more than any product.

A pension buyback with a three-year lock and a first-year tax return near 35 percent.

The pension-versus-capital decision, four years before retirement, with two diverging spouses.

A business sale converting thirty years of work into a single liquidity event.

An unexpected inheritance, and the question of what to keep versus what to let go.

A divorce and the division of second-pillar assets, rebuilt over five to eight years.

Succession and beneficiary planning under Swiss forced-heirship, before it is left to the civil code.

Who we work with

We do not publish a client list. Private wealth is a matter of discretion, and the trust our clients place in us begins with the assurance that their affairs remain their own. The situations above are shared in anonymised form. Where it is helpful, references from existing clients can be provided, with their consent, on request.

Switzerland as a safe harbour

For clients with assets or lives across more than one country, Swiss residence, pension portability and jurisdictional stability are a subject in their own right. We treat it as one: educational, structural and grounded in Swiss law.

This material is educational and addressed to persons resident in Switzerland. It is not an offer, solicitation or advice directed at any other jurisdiction, including the European Union.

Begin with the questionnaire, not a pitch.

The BWP Compass© profile takes thirty minutes and comes before any recommendation. It is the start of the conversation, and it is where good decisions begin.

Egalia, Partners

Rue de Lausanne 67, 1202 Genève, Switzerland

Egalia Partners is independently regulated in Switzerland, affiliated with ARIF and supervised under LSFin/LSA.

Legal · Privacy (nLPD) · Regulatory Disclosures · Imprint

This website and its contents are intended for persons resident in Switzerland. Nothing herein constitutes an offer, solicitation or investment advice in any other jurisdiction, including the European Union.

Download our LSFin client brochure (PDF)

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