Your trusted partner for private retirement planning

Welcome to Thirdpillar.ch

My name is Luis Degange, and I have been specializing in the Swiss pension system for over 20 years. In 2016, I founded this platform based on an idea that is almost taboo in our industry: clients don't need salespeople; they need honest advisors.

For years, I watched how this market operates: high-pressure tactics to sign contracts quickly, complex products explained in confusing ways, and consultations that were really just disguised sales pitches.

I created Thirdpillar.ch to do the exact opposite.

Today, our platform combines advanced technology with a human approach grounded in clear rules. To explain who we are, we prefer to tell you right away who we do NOT want to be.

Our Anti-Manifesto: What we will never do

If you book a call with us, we give you three absolute guarantees about what we will never do:

We won't rush you (or pressure you).

We will never tell you that you "have to decide by tonight." Planning your future and your tax savings requires time and clarity. You set the pace.

We won't hide behind jargon.

We don't use complex industry terms to make you feel intimidated. If we can't explain a concept, a tax rule, or a contract clause in simple terms, that’s our problem, not yours.

We won't push products you don't need.

If, after analyzing your numbers, we find that a DIY banking app is better suited for your age and goals than an insurance policy, we will advise you to use it. We will never force your hand toward other products.

Architects first, then builders

The market is full of intermediaries carrying a "product in a briefcase," trying to sell you their standard solution.

We work like architects: first, we design a custom blueprint, and only then do we choose the best materials to build it.

Whether you are a resident, self-employed, or a cross-border worker dealing with new tax regulations, we don’t ask you to trust us blindly. We put the numbers on the table: we show you exactly how much you will save in taxes, what your projected pension will be, and the true costs of every option.

Are we the right partner for you? Honestly, our approach isn't for everyone.

We are NOT the right fit for you

if you are looking for promises of miraculous returns, unrealistic tax loopholes, or if your sole focus is speculating on the markets.

We ARE the right place for you

if you want to take control of your future with a clear plan, protect your family from the unexpected, or if you have a complex situation (like cross-border tax rules) that requires a real, flesh-and-blood specialist who answers the phone when you need them.

If you are looking for someone to design your Third Pillar with clarity and zero compromises, we would be happy to help.

Why do our customers choose us?

Experience and expertise: We are highly qualified professionals with more than 20 years of experience in the market.
Personalized counseling: We offer a tailored service, carefully analyzing your personal and professional situation to identify the best solution for you.
Transparency and clarity: We believe in open and transparent communication. We will provide you with all the information you need to make informed decisions.
Continuous updating: We are always up-to-date with the latest regulatory and market developments to ensure you always receive the most up-to-date service

What do we do for our clients?

Pension situation analysis: We evaluate your current position and identify any gaps.
Retirement planning: We develop a customized plan to reach your retirement goals.
Products comparison: We help you choose the most suitable product for your risk profile and needs.
Ongoing support: We are by your side every step of the way, providing constant and professional support.

Welcome to Thirdpillar.ch

Let's talk about your third pillar

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