Independent service for you

Beat Munsch serves you as an independent financial planner and offers you financial-, insurance- and tax advice in English and German for Swiss residents, Expats and companies.


Financial Planning

Whatever your needs, they deserve careful analysis and research before any solution can be recommended. Beat Munsch will spend time learning about your needs, goals and current circumstances and will be best equipped to help you arrive at an appropriate Financial Planning strategy to help you achieve your financial goals.


Insurance Consulting

A thorough analysis and understanding of your situation combined with experience and independent insurance brokerage provides you time- and cost-efficient insurance solutions. 
Insurance consulting is a speciality of Beat Munsch.

Tax Service

Your taxation position is important to consider too. Apart from completing your Swiss Tax return, Beat Munsch advises you on the many ways to reduce your taxes as well as to improve your financial stability and success. 


Special Service Packages for Expats:

Package #1: Tax Service 

Includes:

  • Annual tax return
  • Tax advice
  • Support-meeting included 

    March 14th 2020 Important notice:
    Due to the actual "corona-crisis" personal meetings are suspended. Support is available via telephone or video-call.
    I will keep you updated.

Content details and limitations of the basic option:

  • Family situation: Single person or family (1 tax return)
  • Job: Employed, up to 6 annual salary certifications
  • Housing situation in Switzerland: Proprietor or tenenant
  • Assets (bank accounts, shares, bonds, mutual funds): up to 20 items, maximal 30 pages
  • Properties abroad: up to 3 items

  • -> More options can be added at the check-out

->Your next steps:
1. Buy the service online here on this page.
2. Save your service certificate and your documents list (will be downloadable after purchase).
3. Collect all the documents required for your tax return according to your list and send it to Beat Munsch
4. Contact Beat Munsch for your personal appointment.

Package #2: Tax Service economy

Includes:

  • Annual tax return
  • Tax advice

Content details and limitations of the basic option:

  • Family situation: Single person or family (1 tax return)
  • Job: Employed, up to 6 annual salary certifications
  • Housing situation in Switzerland: Proprietor or tenant
  • Assets (bank accounts, shares, bonds, mutual funds): up to 20 items, maximal 30 pages
  • Properties abroad: Up to 3 items

  • -> More options can be added at the check-out

->Your next steps:
1. Buy the service online here on this page.
2. Save your service certificate and your documents list (will be downloadable after purchase).
3. Collect all the documents required for your tax return according to your list.
4. Send the documents directly to Beat Munsch.

Package #3: Insurance Consulting

Includes consulting and brokerage service for:

  • Property insurance
  • Liability insurance
  • Legal insurance
  • Life insurance
  • Disability insurance
  • Healthcare insurance
  • Car insurance
  • Pension plans
  • Company insurance solutions

->Your next step:
Buy the service online here on this page (yes, it is free), safe your service certificate (will be downloadable after purchase) and contact Beat Munsch for your personal appointment.

Get an insurance quote

FAQ

  • I have a credit / loan. How does this affect my taxes?

    A loan helps you to reduce your taxes in Switzerland. The balance as of December 31st will be offstet against the taxable wealth.
    Paid interest can reduce the taxable income. Important: All numbers, especially the total paid interest needs to be backed up with official bank documents.


  • I have a house / property abroad. Do I need to declare it even if it is already taxed in the other country?

    Yes, it needs to be declared in Switzerland. To declare it correct, we need to have the following information:
    - Address
    - Kind of property like house, apartment, plot, land
    - Construction year
    - Current value
    - Number of rooms
    - Date of its purchase / acquisition
    - If it is rented out: Monthly rental income as mentioned in the rental contract and number of months it really was rented out

    If the property is a building or part of a building, in a swiss tax perspective it always generates income. Either it is actual rental income or if the property is for private use, it is a rental value, which in Switzerland is called "Eigenmietwert".
    If the property is located in Switzerland, the rental value or rental income is fully taxed as income. 
    If the property is located outside of Switzerland and the other country has a double taxation treaty with Switzerland which is covering real estate income, the income from the property usually only helps to define the Swiss income and wealth tax rates.


  • Which parts of my income do I need to declare for Swiss tax purposes?

    The total worldwide income of an individual or if married of both spouses fot the actual tax period needs to be declared in Switzerland.
    It is possible, that parts of the income only are used to determine the Swiss tax rate.

    Sources of income are:

    - Income from Job / self employed income
    - Dividends
    - Interests
    - Real estate income
    - Royalties


  • Wealth taxes: What do I need to declare?

    In Switzerland, you need to declare your total worldwide wealth. From the declared total, the tax authorities may subtract a certain amount which is not taxed in Switzerland. This deduction differs from canton to canton.

    The wealth includes:

    - Bank accounts (balance as of December 31st, or as of the date of deregistration in Switzerland)
    - Shares, mutual funds, fd, bonds: Exact name and ISIN Number, amount of the holding, date of purchase / sale per position
    - Crypto currencies
    - Cash holdings
    - Precious metals, jewelry, art
    - Possession of vehicles (depends on the canton)
    - Real estate posession