Thanks to the Elite Fondations solutions, we have managed to recruit highly qualified managers who are willing to accept a reduction in their AVS/AHV salary provided the difference is reinvested in maximising their occupational benefits. This flexibility has enabled us to attract unique talent while consolidating our attractiveness as an employer.

Elite Fondations is capable of managing all bonus payment policies, including any changes made during the year. Their expertise enables us to obtain accurate customised contribution calculations for each of our employees. This is true added value in the day-to-day management of our pension provision.

We wanted to join an Elite Fondations solution. After considering our situation, their advisor determined that our profile was not an immediate fit. However, with professionalism and impartiality, he refered us to a more suitable competitor – although he knew that no retrocessions would be paid. A transparent and exemplary approach.

I was always a bit reticent about purchasing additional contribution years because I did not want all or a portion of these amounts to be used to fund survivor benefits at my death.

Thanks to the Elite Fondations solutions, the entire accrued retirement savings capital – including ordinary contributions and termination payments – is paid to the entitled beneficiaries on top of the survivor pensions. This approach offers me welcome security and transparency in planning my benefits coverage.

I am divorced and remarried, with two adult children from my first marriage and a teenager from the second. At my death, I would not want my entire lump-sum death benefits to go only to my youngest, a minor, as would be the case with most other occupational benefit institutions. Thanks to Elite Foundation and its flexible beneficiary clauses, I was able to divide my lump-sum death benefits into three equal shares so as to ensure balanced protection for each of my children.

Before my employer discovered the Elite Fondations solutions, I was insured only slightly over the compulsory minimum LPP/BVG level. Once he decided to sign up with Elite Fondations, he included me in the new plan which is supplemental to their existing one, assuming 100% of my savings and risk contributions.

I would never have enjoyed such generosity from my employer without the input of Elite Fondations.

I am over 55 and my business is running very nicely, but I decided to pass it on to my successors and enjoy a well-deserved early retirement. Thanks to the specialists at Elite Fondations, I discovered that it was possible to make fictitious purchases – something I had never heard about before. This enabled me to realise significant tax savings.

I hold several properties reported as assets in my balance sheet. Last year, I gave up my professional activities. Then I discovered that this year I would have to pay capital gains tax on the difference between the book-value of the properties and their market value. I was convinced it was too late to optimise my situation until an Elite Fondations advisor told me that I could use my new professional activity to purchase contribution years. These purchases, combined with an application for a tax deferral on the transfer of the properties from my business assets to my private assets in last year's tax return, enabled me to offset the capital gains on all the assets sold this year and thus achieve considerable tax savings.

I had to make a huge investment in the renovation of my industrial facilities. Thanks to Elite Fondations, I managed to obtain an advantageous mortgage loan on a property held by another of my companies. The interest I pay is fully tax deductible and is re-credited to my pension assets with Elite Fondations. Moreover, the loan was filed in the land registry as a second rank mortgage, after an existing loan from a commercial bank.

I have been generating significant profit for several years; this increases the value of my firm and, since I am sole shareholder, my wealth tax by the same token. Talking with an Elite Fondations advisor on 25 June, I discovered that I could reduce the profit of the preceding year by paying into the employer contribution reserve before 30 June. This strategy enabled me to significantly reduce both the tax on my law firm’s profits and my own private wealth tax.

Before consulting Elite Fondations, I used to pay myself only a minimum salary which ended up swelling the profit reported by my company. I have since revised my strategy: I now pay myself the ideal salary and bonus, in conformity with social security and tax requirements, while enhancing my death and disability coverage. I can also make the necessary purchases to reduce my taxes, both on behalf of my company via the investment fluctuation reserve, and for my personal account. I also know the ideal dividend to pay myself tax-free, while taking advantage of the tax shield if possible. Lastly, reducing the company’s declared profit significantly decreases its value, making it more attractive in anticipation of a future transfer.

I have made significant buy-ins and purchases of contribution years over my career. At the age of 58, I decided to reduce my degree of employment by 30% and draw a partial early retirement pension without, however, reducing my insured salary. Two years later, I considered making a lump-sum withdrawal in the amount of that reduction but, having made a purchase the year before, I finally decided to maintain my capital. A few months later, I decided to stop working altogether and, although I could have opted for early retirement, I applied for my vested termination benefit to be transferred to a vested benefit account. This because I had to respect the statutory three-year waiting period after my last purchase before making a lump-sum withdrawal. My Elite Fondations consultant advised me to open two vested benefit accounts with different institutions to maximise my cash flow by making two withdrawals over two fiscal years and thus take advantage of a lower tax rate on lump-sum benefits. He even suggested a competitor institution for the second account. I particularly appreciated his pertinent advice and transparent approach.