Hans Steiner
Senior Consultant | 20+ Years of Swiss Pension Expertise
Hans Steiner is a Senior Consultant at expat-savvy.ch, bringing over 20 years of professional experience in Swiss pension planning and financial advisory. With a Swiss Federal Diploma in Financial Planning (Eidgenössischer Fachausweis Finanzplaner) and a proven track record managing complex pension strategies for expatriates, Hans has become a trusted advisor for thousands of expats navigating Swiss financial planning.
Currently serving as Agency Manager at Vaudoise Versicherungen—one of Switzerland's leading insurance companies—Hans combines deep technical expertise with practical, real-world experience. His mission is to demystify Swiss pension law and empower expatriates to make confident, informed financial decisions that protect their families and optimize their retirement.
Current Role & Professional Affiliations
Senior Consultant
Specializing in comprehensive pension planning strategies for expatriates, with focus on 3rd pillar optimization, tax efficiency, and integrated financial protection.
- Developing pension planning strategies for expat clients
- Advising on 1st, 2nd, and 3rd pillar optimization
- Tax optimization and withdrawal planning
- Life insurance and protection strategies
Agency Manager (Agenturleiter)
Managing regional insurance agency in South Zurich (Zimmerberg & Säuliamt), overseeing a team of advisors and ensuring regulatory compliance.
- Horgen, Zugerstrasse 20, 8810 Horgen
- 044 365 31 01 / hsteiner@vaudoise.ch
Professional Credentials & Certifications
Swiss Federal Diploma
Financial Planner
The highest professional qualification for financial advisors in Switzerland. Requires rigorous examination and ongoing education.
FINMA Registered
Financial Advisor
Ensures compliance with Swiss financial regulations, consumer protection standards, and ethical practice.
IAF Member
Association
Active member of Switzerland's premier professional association for financial planners. Committed to ethical standards.
Agency Manager
Vaudoise
Manages regional insurance agency operations and ensures delivery of comprehensive insurance solutions.
Professional Journey: 20+ Years of Expertise
Helping thousands of expats optimize their Swiss pension strategies and achieve financial security through tailored 3rd pillar planning.
Expanded insurance services and reinforced client relationships across the Zimmerberg and Säuliamt regions.
Focused on mortgage-linked insurance solutions and comprehensive pension advisory for private clients.
20+ years building deep expertise in the Swiss pension system, mastering 1st, 2nd, and 3rd pillar intricacies.
Specialized Expertise
Pension Planning & Retirement Strategy
20+ years of specialized expertise in Swiss pension planning across all three pillars. Mandatory benefits and super-mandatory optimizations.
3rd Pillar Strategy (3a & 3b)
Deep knowledge of tax-deductible 3a accounts and flexible 3b savings. Designing hybrid strategies that balance security and growth.
Tax Efficiency & Deduction Maximization
Expert in identifying tax optimization opportunities across cantons. Maximizing deductions to reduce burden and accelerate wealth.
Mortgage & Property-Linked Insurance
Specialized knowledge of mortgage lending and property-linked insurance. Advising on home purchases and amortization strategies.
Life Insurance & Family Protection
Comprehensive expertise in life insurance and disability coverage. Ensuring your family's lifestyle is protected against all risks.
Expatriate Financial Planning
Specialized focus on unique challenges facing expatriates: international portability, currency risks, and cross-border taxation.
Why Expatriates Trust Hans
20+ Years Experience
Decades of specialized focus on Swiss pension planning.
Certified & Regulated
Swiss Federal Diploma & FINMA registered.
Practical Experience
Active Agency Manager with real-world insights.
Tailored Solutions
Customized strategies for your unique expat journey.
What Clients Say About Hans
"Hans helped me navigate the complex Swiss pension system with such clarity. I finally feel confident about my retirement planning here."
"Professional, knowledgeable, and truly cares about his clients. He found tax savings I didn't even know existed."
"Highly recommended for anyone moving to Switzerland. Hans explained everything in plain English and made the process simple."
Empowerment Through Education
"I believe that every expatriate deserves to feel secure and confident in their financial future in Switzerland. The system is complex, but with the right guidance, it offers incredible opportunities for wealth accumulation and protection."
"My approach is simple: transparent advice, tailored strategies, and a long-term partnership. I don't just sell products; I build financial safety nets that adapt to your life's journey—whether you stay in Switzerland forever or move on to your next adventure."
Core Values
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Transparency
Clear fee structures and honest product comparisons.
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Independence
Solutions driven by client needs, not sales targets.
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Long-term Focus
Strategies built for decades, not just quick wins.
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Holistic View
Integrating tax, insurance, and investment goals.
Languages Spoken
Fluent communication to ensure you fully understand every detail of your financial plan.
Secure Your Swiss Future Today
Don't leave your retirement to chance. Schedule a complimentary consultation with Hans to discuss your personalized pension strategy.
No obligation. 100% confidential.