{"id":2670,"date":"2022-06-22T13:19:45","date_gmt":"2022-06-22T11:19:45","guid":{"rendered":"https:\/\/impact-fe.ch\/?page_id=2670"},"modified":"2022-12-01T13:44:25","modified_gmt":"2022-12-01T12:44:25","slug":"nos-expertises-en-planification-patrimoniale-epargne","status":"publish","type":"page","link":"https:\/\/dev.impact-fe.ch\/wp2\/nos-expertises-en-planification-patrimoniale-epargne\/","title":{"rendered":"\u00c9pargne"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/04\/nos-prestation-impact-fe.png&#8221; height=&#8221;370px&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_4,1_4,1_2&#8243; module_class=&#8221;reverse&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; 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global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h1>\u00c9pargne<\/h1>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2 style=%22text-align: center;%22>\u00c9pargne<\/h2>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;18px&#8221; header_font=&#8221;Raleway||||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;36px&#8221; header_2_text_align=&#8221;left&#8221; background_color=&#8221;#9eada3&#8243; width=&#8221;500px&#8221; width_tablet=&#8221;500px&#8221; width_phone=&#8221;250px&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;500px&#8221; max_width_tablet=&#8221;500px&#8221; max_width_phone=&#8221;250px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;50px||||false|false&#8221; custom_margin_tablet=&#8221;50px||||false|false&#8221; custom_margin_phone=&#8221;40px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;20px||15px||false|false&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>\u00c9pargne<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px|50px|50px|50px|false|false&#8221; custom_padding_tablet=&#8221;|50px|0px|50px|false|false&#8221; custom_padding_phone=&#8221;|50px|0px|50px|false|false&#8221; 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_builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px|50px|20px|50px|false|false&#8221; custom_padding_tablet=&#8221;||50px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;1170px&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;0px|50px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.3em&#8221; custom_margin=&#8221;|158px||||&#8221; custom_padding=&#8221;|0px|||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Epargne-finance-Impact.svg\" alt=\"Epargne-finance-Impact\" class=\"wp-image-2637 alignnone size-medium\" width=\"70\" height=\"50\" srcset=\"https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Epargne-finance-Impact.svg 70w, https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Epargne-finance-Impact.svg 0w\" sizes=\"auto, (min-width: 0px) and (max-width: 0px) 0px, (min-width: 1px) 70px, 100vw\" \/>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.3em&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;|||15px|false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>L&#8217;\u00e9pargne est la partie de vos revenus que vous mettez de c\u00f4t\u00e9 pour votre retraite. Il est essentiel de commencer \u00e0 \u00e9pargner d\u00e8s que possible jusqu\u2019\u00e0 votre d\u00e9part \u00e0 la retraite pour devenir financi\u00e8rement ind\u00e9pendant.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;1170px&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;10px|50px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.3em&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Que vous envisagiez l&#8217;\u00e9pargne \u00e0 long terme, \u00e0 titre individuel ou par l&#8217;interm\u00e9diaire de votre fonds de pension, votre capital d&#8217;\u00e9pargne-retraite doit \u00eatre en mesure de r\u00e9pondre \u00e0 vos besoins futurs, notamment :<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>compenser la perte de revenu \u00e0 la retraite,<\/li>\n<li>garantir le financement de votre niveau de vie,<\/li>\n<li>financer les \u00e9tudes de vos enfants,<\/li>\n<li>financer vos projets, qu\u2019il s\u2019agisse d\u2019une acquisition de biens immobiliers ou encore de leur r\u00e9novation,<\/li>\n<li>se constituer une r\u00e9serve pour faire face \u00e0 des \u00e9v\u00e9nements impr\u00e9vus de la vie et<\/li>\n<li>limiter sa charge fiscale avec un revenu souvent plus faible.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;contentPc&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|50px|30px|50px|false|false&#8221; custom_padding_tablet=&#8221;||50px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;1170px&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;|50px||50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<p>Bon nombre de nos clients, tant les entreprises que les particuliers, ont de la difficult\u00e9 \u00e0 suivre leurs finances et \u00e0 planifier leur avenir, en particulier lorsqu&#8217;il s\u2019agit d\u2019\u00e9valuer les impacts \u00e0 long terme de certaines d\u00e9cisions, qui peuvent \u00eatre tr\u00e8s importants. Il est \u00e9galement difficile de naviguer dans les syst\u00e8mes fiscaux et de placements de la Suisse. En ce qui concerne les produits d&#8217;\u00e9pargne et de pr\u00e9voyance, la plupart des \u00e9pargnants les jugent complexes.<\/p>\n<ul>\n<li>\u00c0 quel \u00e2ge voudrais-je prendre ma retraite ?<\/li>\n<li>Puis-je prendre une retraite anticip\u00e9e ?<\/li>\n<li>De combien d&#8217;argent ai-je besoin pour prendre ma retraite ?<\/li>\n<li>Comment vont \u00e9voluer ma fiscalit\u00e9 et mes cotisations sociales en cas de retraite anticip\u00e9e ?<\/li>\n<li>Mes cotisations suffiront-elles \u00e0 maintenir mon niveau de vie actuel ?<\/li>\n<li>Et si je perds mon emploi et que j&#8217;ai des p\u00e9riodes de ch\u00f4mage ?<\/li>\n<li>Par exemple que faire en cas de changement dans le secteur qui affecte ma position ?<\/li>\n<\/ul>\n<p>Les r\u00e9ponses \u00e0 ces questions vous orienteront vers une planification strat\u00e9gique de votre \u00e9pargne. Une r\u00e8gle d&#8217;or utile est de ne pas sous-estimer l&#8217;impact consid\u00e9rable des rendements compos\u00e9s sur de longues p\u00e9riodes et d\u00e8s lors de choisir vos investissements avec un horizon-temps appropri\u00e9. Enfin il convient de ne jamais mettre tous ses \u0153ufs dans le m\u00eame panier.<\/p>\n<p>Il faut aussi \u00e9tudier l&#8217;impact des imp\u00f4ts sur les rendements effectifs de vos capitaux, car la fiscalit\u00e9 peut grignoter une partie tr\u00e8s importante de ce rendement.<\/p>\n<p>L&#8217;optimisation fiscale vous permet de r\u00e9duire les imp\u00f4ts  et de r\u00e9aliser d\u2019importantes \u00e9conomies. Un plan d&#8217;\u00e9pargne retraite \u00e0 fiscalit\u00e9 avantageuse vous aidera \u00e0 tirer le meilleur parti de vos revenus.<\/p>\n<p>En apparence simple, le syst\u00e8me fiscal suisse rec\u00e8le de nombreuses subtilit\u00e9s.  Ainsi, pour structurer votre patrimoine afin d\u2019en am\u00e9liorer l\u2019efficacit\u00e9 fiscale, vous devez confier l\u2019organisation de votre plan d\u2019\u00e9pargne \u00e0 des experts.<\/p>\n<p>Chez Impact Financial Engineering, nous fournissons des solutions d&#8217;\u00e9pargne retraite durable \u00e0 fiscalit\u00e9 optimis\u00e9e. L\u2019exp\u00e9rience des conseillers financiers d&#8217;Impact Financial Engineering est \u00e0 votre disposition pour vous aider \u00e0 mettre le cap sur l&#8217;avenir financier que vous souhaitez.<\/p>\n<p>Notre approche consiste \u00e0 d\u00e9finir votre profil d&#8217;investisseur sur la base d&#8217;une analyse approfondie et factuelle de votre situation et de vos projets. Notre m\u00e9thode vous permettra de comprendre pleinement le rapport risque\/rendement et toutes ses implications, et va bien au-del\u00e0 des techniques classiques et sommaires utilis\u00e9es par les banques et autres institutions financi\u00e8res.<\/p>\n<p>Au fil des ans, nous avons acquis une connaissance approfondie des syst\u00e8mes de retraite, de fiscalit\u00e9 et d&#8217;investissement suisses et internationaux, afin de vous fournir des solutions de planification financi\u00e8re flexibles et personnalis\u00e9es pour les particuliers notamment.<\/p>\n<p>Ce qui nous diff\u00e9rencie et nous rend plus performants que les conseillers individuels, c&#8217;est notre capacit\u00e9 \u00e0 int\u00e9grer un large ensemble de comp\u00e9tences en mati\u00e8re de fiscalit\u00e9, de pr\u00e9voyance, de placements, de planification, de droit successoral, etc&#8230; Gr\u00e2ce \u00e0 cette d\u00e9marche interdisciplinaire et \u00e0 une \u00e9quipe tr\u00e8s compl\u00e9mentaire, notre cabinet ind\u00e9pendant vous aide \u00e0 construire une strat\u00e9gie d\u2019\u00e9pargne adapt\u00e9e et solide  afin que vous puissiez planifier votre avenir en toute s\u00e9r\u00e9nit\u00e9.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>Bon nombre de nos clients, tant les entreprises que les particuliers, ont de la difficult\u00e9 \u00e0 suivre leurs finances et \u00e0 planifier leur avenir, en particulier lorsqu&#8217;il s\u2019agit d\u2019\u00e9valuer les impacts \u00e0 long terme de certaines d\u00e9cisions, qui peuvent \u00eatre tr\u00e8s importants. Il est \u00e9galement difficile de naviguer dans les syst\u00e8mes fiscaux et de placements de la Suisse. En ce qui concerne les produits d&#8217;\u00e9pargne et de pr\u00e9voyance, la plupart des \u00e9pargnants les jugent complexes.<\/p>\n<ul>\n<li>\u00c0 quel \u00e2ge voudrais-je prendre ma retraite ?<\/li>\n<li>Puis-je prendre une retraite anticip\u00e9e ?<\/li>\n<li>De combien d&#8217;argent ai-je besoin pour prendre ma retraite ?<\/li>\n<li>Comment vont \u00e9voluer ma fiscalit\u00e9 et mes cotisations sociales en cas de retraite anticip\u00e9e ?<\/li>\n<li>Mes cotisations suffiront-elles \u00e0 maintenir mon niveau de vie actuel ?<\/li>\n<li>Et si je perds mon emploi et que j&#8217;ai des p\u00e9riodes de ch\u00f4mage ?<\/li>\n<li>Par exemple que faire en cas de changement dans le secteur qui affecte ma position ?<\/li>\n<\/ul>\n<p>Les r\u00e9ponses \u00e0 ces questions vous orienteront vers une planification strat\u00e9gique de votre \u00e9pargne. Une r\u00e8gle d&#8217;or utile est de ne pas sous-estimer l&#8217;impact consid\u00e9rable des rendements compos\u00e9s sur de longues p\u00e9riodes et d\u00e8s lors de choisir vos investissements avec un horizon-temps appropri\u00e9. Enfin il convient de ne jamais mettre tous ses \u0153ufs dans le m\u00eame panier.<\/p>\n<p>Il faut aussi \u00e9tudier l&#8217;impact des imp\u00f4ts sur les rendements effectifs de vos capitaux, car la fiscalit\u00e9 peut grignoter une partie tr\u00e8s importante de ce rendement.<\/p>\n<p>L&#8217;optimisation fiscale vous permet de r\u00e9duire les imp\u00f4ts  et de r\u00e9aliser d\u2019importantes \u00e9conomies. Un plan d&#8217;\u00e9pargne retraite \u00e0 fiscalit\u00e9 avantageuse vous aidera \u00e0 tirer le meilleur parti de vos revenus.<\/p>\n<p>En apparence simple, le syst\u00e8me fiscal suisse rec\u00e8le de nombreuses subtilit\u00e9s.  Ainsi, pour structurer votre patrimoine afin d\u2019en am\u00e9liorer l\u2019efficacit\u00e9 fiscale, vous devez confier l\u2019organisation de votre plan d\u2019\u00e9pargne \u00e0 des experts.<\/p>\n<p>Chez Impact Financial Engineering, nous fournissons des solutions d&#8217;\u00e9pargne retraite durable \u00e0 fiscalit\u00e9 optimis\u00e9e. L\u2019exp\u00e9rience des conseillers financiers d&#8217;Impact Financial Engineering est \u00e0 votre disposition pour vous aider \u00e0 mettre le cap sur l&#8217;avenir financier que vous souhaitez.<\/p>\n<p>Notre approche consiste \u00e0 d\u00e9finir votre profil d&#8217;investisseur sur la base d&#8217;une analyse approfondie et factuelle de votre situation et de vos projets. Notre m\u00e9thode vous permettra de comprendre pleinement le rapport risque\/rendement et toutes ses implications, et va bien au-del\u00e0 des techniques classiques et sommaires utilis\u00e9es par les banques et autres institutions financi\u00e8res.<\/p>\n<p>Au fil des ans, nous avons acquis une connaissance approfondie des syst\u00e8mes de retraite, de fiscalit\u00e9 et d&#8217;investissement suisses et internationaux, afin de vous fournir des solutions de planification financi\u00e8re flexibles et personnalis\u00e9es pour les particuliers notamment.<\/p>\n<p>Ce qui nous diff\u00e9rencie et nous rend plus performants que les conseillers individuels, c&#8217;est notre capacit\u00e9 \u00e0 int\u00e9grer un large ensemble de comp\u00e9tences en mati\u00e8re de fiscalit\u00e9, de pr\u00e9voyance, de placements, de planification, de droit successoral, etc&#8230; Gr\u00e2ce \u00e0 cette d\u00e9marche interdisciplinaire et \u00e0 une \u00e9quipe tr\u00e8s compl\u00e9mentaire, notre cabinet ind\u00e9pendant vous aide \u00e0 construire une strat\u00e9gie d\u2019\u00e9pargne adapt\u00e9e et solide  afin que vous puissiez planifier votre avenir en toute s\u00e9r\u00e9nit\u00e9.<\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|-15px||15px|false|false&#8221; custom_padding=&#8221;|22px|||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; ul_letter_spacing_tablet=&#8221;&#8221; ul_letter_spacing_phone=&#8221;&#8221; ul_letter_spacing_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Bon nombre de nos clients, tant les entreprises que les particuliers, ont de la difficult\u00e9 \u00e0 suivre leurs finances et \u00e0 planifier leur avenir, en particulier lorsqu&#8217;il s\u2019agit d\u2019\u00e9valuer les impacts \u00e0 long terme de certaines d\u00e9cisions, qui peuvent \u00eatre tr\u00e8s importants. Il est \u00e9galement difficile de naviguer dans les syst\u00e8mes fiscaux et de placements de la Suisse. En ce qui concerne les produits d&#8217;\u00e9pargne et de pr\u00e9voyance, la plupart des \u00e9pargnants les jugent complexes.<\/p>\n<ul>\n<li>\u00c0 quel \u00e2ge voudrais-je prendre ma retraite ?<\/li>\n<li>Puis-je prendre une retraite anticip\u00e9e ?<\/li>\n<li>De combien d&#8217;argent ai-je besoin pour prendre ma retraite ?<\/li>\n<li>Comment vont \u00e9voluer ma fiscalit\u00e9 et mes cotisations sociales en cas de retraite anticip\u00e9e\u00a0?<\/li>\n<li>Mes cotisations suffiront-elles \u00e0 maintenir mon niveau de vie actuel ?<\/li>\n<li>Et si je perds mon emploi et que j&#8217;ai des p\u00e9riodes de ch\u00f4mage ?<\/li>\n<li>Par exemple que faire en cas de changement dans le secteur qui affecte ma position ?<\/li>\n<\/ul>\n<p>Les r\u00e9ponses \u00e0 ces questions vous orienteront vers une planification strat\u00e9gique de votre \u00e9pargne. Une r\u00e8gle d&#8217;or utile est de ne pas sous-estimer l&#8217;impact consid\u00e9rable des rendements compos\u00e9s sur de longues p\u00e9riodes et d\u00e8s lors de choisir vos investissements avec un horizon-temps appropri\u00e9. Enfin il convient de ne jamais mettre tous ses \u0153ufs dans le m\u00eame panier.<\/p>\n<p>Il faut aussi \u00e9tudier l&#8217;impact des imp\u00f4ts sur les rendements effectifs de vos capitaux, car la fiscalit\u00e9 peut grignoter une partie tr\u00e8s importante de ce rendement.<\/p>\n<p>L&#8217;optimisation fiscale vous permet de r\u00e9duire les imp\u00f4ts\u00a0 et de r\u00e9aliser d\u2019importantes \u00e9conomies. Un plan d&#8217;\u00e9pargne retraite \u00e0 fiscalit\u00e9 avantageuse vous aidera \u00e0 tirer le meilleur parti de vos revenus.<\/p>\n<p>En apparence simple, le syst\u00e8me fiscal suisse rec\u00e8le de nombreuses subtilit\u00e9s.\u00a0 Ainsi, pour structurer votre patrimoine afin d\u2019en am\u00e9liorer l\u2019efficacit\u00e9 fiscale, vous devez confier l\u2019organisation de votre plan d\u2019\u00e9pargne \u00e0 des experts.<\/p>\n<p>Chez Impact Financial Engineering, nous fournissons des solutions d&#8217;\u00e9pargne retraite durable \u00e0 fiscalit\u00e9 optimis\u00e9e. L\u2019exp\u00e9rience des conseillers financiers d&#8217;Impact Financial Engineering est \u00e0 votre disposition pour vous aider \u00e0 mettre le cap sur l&#8217;avenir financier que vous souhaitez.<\/p>\n<p>Notre approche consiste \u00e0 d\u00e9finir votre profil d&#8217;investisseur sur la base d&#8217;une analyse approfondie et factuelle de votre situation et de vos projets. Notre m\u00e9thode vous permettra de comprendre pleinement le rapport risque\/rendement et toutes ses implications, et va bien au-del\u00e0 des techniques classiques et sommaires utilis\u00e9es par les banques et autres institutions financi\u00e8res.<\/p>\n<p>Au fil des ans, nous avons acquis une connaissance approfondie des syst\u00e8mes de retraite, de fiscalit\u00e9 et d&#8217;investissement suisses et internationaux, afin de vous fournir des solutions de planification financi\u00e8re flexibles et personnalis\u00e9es pour les particuliers notamment.<\/p>\n<p>Ce qui nous diff\u00e9rencie et nous rend plus performants que les conseillers individuels, c&#8217;est notre capacit\u00e9 \u00e0 int\u00e9grer un large ensemble de comp\u00e9tences en mati\u00e8re de fiscalit\u00e9, de pr\u00e9voyance, de placements, de planification, de droit successoral, etc&#8230; Gr\u00e2ce \u00e0 cette d\u00e9marche interdisciplinaire et \u00e0 une \u00e9quipe tr\u00e8s compl\u00e9mentaire, notre cabinet ind\u00e9pendant vous aide \u00e0 construire une strat\u00e9gie d\u2019\u00e9pargne adapt\u00e9e et solide\u00a0 afin que vous puissiez planifier votre avenir en toute s\u00e9r\u00e9nit\u00e9.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.13.1&#8243; 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global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;graysec&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#9eada3&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;30px|0px|20px|0px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h2 style=%22color: #fff !important;%22>Nos services comprennent<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2 style=%22color: #fff !important;%22>Nos services comprennent<\/h2>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#9eada3&#8243; header_2_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;10px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"color: #fff !important;\">Nos services comprennent<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#9eada3&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;20px|60px|30px|60px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<p>Pour les particuliers :<\/p>\n<ul>\n<li>Un accompagnement personnalis\u00e9 dans l\u2019organisation de votre \u00e9pargne et la planification de la retraite<\/li>\n<li>Une \u00e9valuation personnalis\u00e9e de votre situation<\/li>\n<li>\u00c9tablissement d\u2019un devis en fonction de vos besoins<\/li>\n<li>Estimation des \u00e9conomies requises pour atteindre vos objectifs d\u2019ind\u00e9pendance financi\u00e8re<\/li>\n<li>Fournir les diff\u00e9rentes options disponibles, locales et internationales<\/li>\n<li>Plan de pr\u00e9voyance, 3\u00e8me pilier A, Assurances vie etc.<\/li>\n<li>Protection du revenu<\/li>\n<li>Conseils aux travailleurs ind\u00e9pendants<\/li>\n<li>Conseil fiscal pour les particuliers (LPP, libre passage, 3e piler, etc.)<\/li>\n<li>Planification d&#8217;une retraite fiscale optimis\u00e9e<\/li>\n<li>Conseil relatif aux rulings fiscaux<\/li>\n<li>Conseiller en gestion de patrimoine<\/li>\n<li>Restructuration et planification de la succession<\/li>\n<li>Fonds d\u2019investissement<\/li>\n<li>Placements dans une compagnie d\u2019assurance<\/li>\n<li>Banques suisses<\/li>\n<li>Placements \u00e0 l\u2019\u00e9tranger<\/li>\n<li>Conseils sur la politique de dotation<\/li>\n<li>\u00c9pargne r\u00e9guli\u00e8re<\/li>\n<li>Placements permettant d\u2019\u00e9conomiser de l\u2019imp\u00f4t<\/li>\n<\/ul>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>Pour les particuliers :<\/p>\n<ul>\n<li>Un accompagnement personnalis\u00e9 dans l\u2019organisation de votre \u00e9pargne et la planification de la retraite<\/li>\n<li>Une \u00e9valuation personnalis\u00e9e de votre situation<\/li>\n<li>\u00c9tablissement d\u2019un devis en fonction de vos besoins<\/li>\n<li>Estimation des \u00e9conomies requises pour atteindre vos objectifs d\u2019ind\u00e9pendance financi\u00e8re<\/li>\n<li>Fournir les diff\u00e9rentes options disponibles, locales et internationales<\/li>\n<li>Plan de pr\u00e9voyance, 3\u00e8me pilier A, Assurances vie etc.<\/li>\n<li>Protection du revenu<\/li>\n<li>Conseils aux travailleurs ind\u00e9pendants<\/li>\n<li>Conseil fiscal pour les particuliers (LPP, libre passage, 3e piler, etc.)<\/li>\n<li>Planification d&#8217;une retraite fiscale optimis\u00e9e<\/li>\n<li>Conseil relatif aux rulings fiscaux<\/li>\n<li>Conseiller en gestion de patrimoine<\/li>\n<li>Restructuration et planification de la succession<\/li>\n<li>Fonds d\u2019investissement<\/li>\n<li>Placements dans une compagnie d\u2019assurance<\/li>\n<li>Banques suisses<\/li>\n<li>Placements \u00e0 l\u2019\u00e9tranger<\/li>\n<li>Conseils sur la politique de dotation<\/li>\n<li>\u00c9pargne r\u00e9guli\u00e8re<\/li>\n<li>Placements permettant d\u2019\u00e9conomiser de l\u2019imp\u00f4t<\/li>\n<\/ul>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|||15px|false|false&#8221; custom_padding=&#8221;|22px|||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Pour les particuliers :<\/p>\n<ul>\n<li>Un accompagnement personnalis\u00e9 dans l\u2019organisation de votre \u00e9pargne et la planification de la retraite<\/li>\n<li>Une \u00e9valuation personnalis\u00e9e de votre situation<\/li>\n<li>\u00c9tablissement d\u2019un devis en fonction de vos besoins<\/li>\n<li>Estimation des \u00e9conomies requises pour atteindre vos objectifs d\u2019ind\u00e9pendance financi\u00e8re<\/li>\n<li>Fournir les diff\u00e9rentes options disponibles, locales et internationales<\/li>\n<li>Plan de pr\u00e9voyance, 3\u00e8me pilier A, Assurances vie etc.<\/li>\n<li>Protection du revenu<\/li>\n<li>Conseils aux travailleurs ind\u00e9pendants<\/li>\n<li>Conseil fiscal pour les particuliers (LPP, libre passage, 3e piler, etc.)<\/li>\n<li>Planification d&#8217;une retraite fiscale optimis\u00e9e<\/li>\n<li>Conseil relatif aux rulings fiscaux<\/li>\n<li>Conseiller en gestion de patrimoine<\/li>\n<li>Restructuration et planification de la succession<\/li>\n<li>Fonds d\u2019investissement<\/li>\n<li>Placements dans une compagnie d\u2019assurance<\/li>\n<li>Banques suisses<\/li>\n<li>Placements \u00e0 l\u2019\u00e9tranger<\/li>\n<li>Conseils sur la politique de dotation<\/li>\n<li>\u00c9pargne r\u00e9guli\u00e8re<\/li>\n<li>Placements permettant d\u2019\u00e9conomiser de l\u2019imp\u00f4t<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<p>Pour les entreprises:<\/p>\n<ul>\n<li>Valorisation des prestations sociales de l\u2019employeur<\/li>\n<li>Optimisation du plan de pr\u00e9voyance en place<\/li>\n<li>Optimisation de la situation des actionnaires<\/li>\n<li>Accompagnement des cadres et collaborateurs dans les \u00e9tapes importantes de leur vie (retraite, licenciement, etc)<\/li>\n<\/ul>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>Pour les entreprises:<\/p>\n<ul>\n<li>Valorisation des prestations sociales de l\u2019employeur<\/li>\n<li>Optimisation du plan de pr\u00e9voyance en place<\/li>\n<li>Optimisation de la situation des actionnaires<\/li>\n<li>Accompagnement des cadres et collaborateurs dans les \u00e9tapes importantes de leur vie (retraite, licenciement, etc)<\/li>\n<\/ul>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|||15px|false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Pour les entreprises:<\/p>\n<ul>\n<li>Valorisation des prestations sociales de l\u2019employeur<\/li>\n<li>Optimisation du plan de pr\u00e9voyance en place<\/li>\n<li>Optimisation de la situation des actionnaires<\/li>\n<li>Accompagnement des cadres et collaborateurs dans les \u00e9tapes importantes de leur vie (retraite, licenciement, etc)<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#9eada3&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;0px|50px|20px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|50px|50px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h2>L\u2019approche d\u2019Impact Financial Engineering<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>L\u2019approche d\u2019Impact Financial Engineering<\/h2>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#817e7c&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#9eada3&#8243; header_2_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;10px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>L\u2019approche d\u2019Impact Financial Engineering<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|50px|50px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<p>Nous proposons une prise en charge syst\u00e9matique pour vous aider \u00e0 prendre les meilleures d\u00e9cisions \u00e0 court, moyen et long termes. Nous \u00e9laborons une vision strat\u00e9gique de votre avenir, en vous aidant \u00e0 dresser votre bilan patrimonial et \u00e9tudions ensemble vos projets futurs et les \u00e9ventuelles nouvelles sources de revenus. Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions (notamment fiscales) de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la <a href=%22https:\/\/impact-fe.ch\/conseiller-en-prevoyance\/%22>LPP<\/a> ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions fiscales de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la LPP ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>Nous proposons une prise en charge syst\u00e9matique pour vous aider \u00e0 prendre les meilleures d\u00e9cisions \u00e0 court, moyen et long termes. Nous \u00e9laborons une vision strat\u00e9gique de votre avenir, en vous aidant \u00e0 dresser votre bilan patrimonial et \u00e9tudions ensemble vos projets futurs et les \u00e9ventuelles nouvelles sources de revenus. Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions (notamment fiscales) de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la <a href=%22https:\/\/impact-fe.ch\/conseiller-en-prevoyance\/%22>LPP<\/a> ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions fiscales de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la LPP ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|||15px|false|false&#8221; custom_padding=&#8221;|22px|||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Nous proposons une prise en charge syst\u00e9matique pour vous aider \u00e0 prendre les meilleures d\u00e9cisions \u00e0 court, moyen et long termes. Nous \u00e9laborons une vision strat\u00e9gique de votre avenir, en vous aidant \u00e0 dresser votre bilan patrimonial et \u00e9tudions ensemble vos projets futurs et les \u00e9ventuelles nouvelles sources de revenus. Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions (notamment fiscales) de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la <a href=\"https:\/\/impact-fe.ch\/conseiller-en-prevoyance\/\">LPP<\/a> ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions fiscales de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la LPP ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/img.jpg&#8221; title_text=&#8221;img&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(158,173,163,0.3)&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;on|on|on&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|50px|50px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Parce que chaque cas est unique et les d\u00e9marches \u00e0 entreprendre nombreuses, nous prenons en charge l\u2019ensemble des enjeux financiers. Nous vous proposons une approche qui met en harmonie les \u00e9l\u00e9ments de votre patrimoine avec vos projets de vie, tout en vous soumettant les recommandations les plus appropri\u00e9es \u00e0 votre situation personnelle, en quantifiant leur impact financier, dans le respect des r\u00e8gles propres \u00e0 votre caisse de pension.<\/p>\n<p>Cette d\u00e9marche s\u2019inscrit dans une approche tr\u00e8s p\u00e9dagogique, vous rappelant les fondamentaux des assurances sociales suisses, les conditions fiscales de vos \u00e9ventuelles indemnit\u00e9s de d\u00e9part, les r\u00e8gles \u00e0 respecter et les \u00e9cueils \u00e0 \u00e9viter en cas d\u2019ouverture de comptes de libre-passage. Nous analyserons \u00e9galement la possibilit\u00e9 de rester affili\u00e9 \u00e0 la LPP ou de retirer de mani\u00e8re anticip\u00e9e vos avoirs de pr\u00e9voyance et ses cons\u00e9quences et conclurons sur la bonne d\u00e9finition de votre profil de gestion.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#817e7c&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;20px&#8221; background_color=&#8221;#9eada3&#8243; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|15px|20px|false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>L\u2019approche des banques et assurances<\/h2>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Lapproche-banques-assurances-1-1.svg&#8221; title_text=&#8221;Lapproche-banques-assurances-1&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(158,173,163,0.3)&#8221; custom_margin=&#8221;-50px||||false|false&#8221; custom_padding=&#8221;20px||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;20px&#8221; background_color=&#8221;#9eada3&#8243; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px|20px|30px|20px|false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>La methode de impact-fe<\/h2>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/La-me\u0301thode-Impact-fe-1-1.svg&#8221; title_text=&#8221;La-me\u0301thode-Impact-fe-1&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(158,173,163,0.3)&#8221; custom_margin=&#8221;-40px||||false|false&#8221; custom_padding=&#8221;20px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;0px|50px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<p>En conclusion, notre d\u00e9marche, tr\u00e8s rigoureuse, est conduite en \u00e9troite collaboration avec vous. Elle est orient\u00e9e sur une bonne compr\u00e9hension de vos d\u00e9sirs et de vos objectifs, afin de pouvoir les traduire en estimations chiffr\u00e9es. C\u2019est ainsi que chaque d\u00e9cision d\u2019importance sera inscrite dans le contexte de votre situation mat\u00e9rielle globale. Car ce n\u2019est que de cette fa\u00e7on que vous pourrez faire des choix optimaux, dont nous pourrons mesurer l\u2019impact \u00e0 long terme sur l\u2019ensemble de votre patrimoine.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>En conclusion, notre d\u00e9marche, tr\u00e8s rigoureuse, est conduite en \u00e9troite collaboration avec vous. Elle est orient\u00e9e sur une bonne compr\u00e9hension de vos d\u00e9sirs et de vos objectifs, afin de pouvoir les traduire en estimations chiffr\u00e9es. C\u2019est ainsi que chaque d\u00e9cision d\u2019importance sera inscrite dans le contexte de votre situation mat\u00e9rielle globale. Car ce n\u2019est que de cette fa\u00e7on que vous pourrez faire des choix optimaux, dont nous pourrons mesurer l\u2019impact \u00e0 long terme sur l\u2019ensemble de votre patrimoine.<\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3c3c3c&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.4em&#8221; ul_line_height=&#8221;1.9em&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|||15px|false|false&#8221; custom_padding=&#8221;10px|22px|12px||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;background-size: 70%;||background-position: center center;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>En conclusion, notre d\u00e9marche, tr\u00e8s rigoureuse, est conduite en \u00e9troite collaboration avec vous. Elle est orient\u00e9e sur une bonne compr\u00e9hension de vos d\u00e9sirs et de vos objectifs, afin de pouvoir les traduire en estimations chiffr\u00e9es. C\u2019est ainsi que chaque d\u00e9cision d\u2019importance sera inscrite dans le contexte de votre situation mat\u00e9rielle globale. Car ce n\u2019est que de cette fa\u00e7on que vous pourrez faire des choix optimaux, dont nous pourrons mesurer l\u2019impact \u00e0 long terme sur l\u2019ensemble de votre patrimoine.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;50px|50px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#817e7c&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#9eada3&#8243; header_2_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Besoin d\u2019un conseil personnalis\u00e9 ? <\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.13.1&#8243; 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locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<center>Entretien \u201cD\u00e9couverte\u201d offert et sans engagement !<\/center>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;20px|50px|20px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#817e7c&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#9eada3&#8243; header_2_font_size=&#8221;30px&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Nos clients temoignent<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_video src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/07\/04.-la-retraite-en-toute-serenite.mov&#8221; image_src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/04\/Accompagnement-de-conseil-a\u0300-long-terme-300&#215;167.png&#8221; play_icon_color=&#8221;#FFFFFF&#8221; font_icon=&#8221;&#x49;||divi||400&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_video][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span>La retraite en tout s\u00e9r\u00e9nit\u00e9<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_video src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2021\/09\/02.-des-re\u0301sultats-tangibles.mov&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_video][et_pb_text disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Optimisation fiscale et preparation a la retraite<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_video src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2021\/09\/Te\u0301moignage-Cliente.mov&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_video][et_pb_text disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Transition de carriere et retraite<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; 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text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Nos domaines d&#8217;expertise<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/04\/Nos-domaines-dexpertise-fond-296&#215;300.png&#8221; background_size=&#8221;initial&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Pre\u0301voyance-finance-Impact.svg&#8221; title_text=&#8221;Pre\u0301voyance-finance-Impact&#8221; url=&#8221;\/conseiller-en-prevoyance\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/conseiller-en-prevoyance\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Pr\u00e9voyance<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Planification-finance-Impact.svg&#8221; title_text=&#8221;Planification-finance-Impact&#8221; url=&#8221;\/planification-financiere-retraite-successorale\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/planification-financiere-retraite-successorale\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Planification<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Fiscalite\u0301-impact-FE.svg&#8221; title_text=&#8221;Fiscalite\u0301-impact-FE&#8221; url=&#8221;\/conseiller-fiscal\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;38%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/conseiller-fiscal\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Fiscalit\u00e9<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Immobilier-finance-Impact.svg&#8221; title_text=&#8221;Immobilier-finance-Impact&#8221; url=&#8221;\/conseiller-financier-immobilier\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/conseiller-financier-immobilier\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Immobilier<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Re\u0301gime-matrimonial-finance-Impact.svg&#8221; title_text=&#8221;Re\u0301gime-matrimonial-finance-Impact&#8221; url=&#8221;\/regime_matrimonial\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/regime_matrimonial\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">R\u00e9gime matrimonial<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Succession-finance-Impact.svg&#8221; title_text=&#8221;Succession-finance-Impact&#8221; url=&#8221;\/planification-succession\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/planification-succession\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Succession<\/span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/06\/Entreprise-finance-Impact-1.svg&#8221; title_text=&#8221;Entreprise-finance-Impact&#8221; url=&#8221;\/nos-expertises-en-planification-patrimoniale-services-entreprises\/&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; link_option_url=&#8221;\/nos-expertises-en-planification-patrimoniale-services-entreprises\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Entreprises<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;imgCNP&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;20px|50px|20px|50px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;0px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#817e7c&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.3em&#8221; header_font=&#8221;Raleway|700|||||||&#8221; header_text_color=&#8221;#9eada3&#8243; header_2_font=&#8221;Raleway|700|||||||&#8221; header_2_text_color=&#8221;#9eada3&#8243; header_2_font_size=&#8221;30px&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.4em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;18px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;24px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Les avis<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"ti-widget ti-goog\" data-layout-id=\"5\" data-set-id=\"light-background\" data-pid=\"b5167179c03e50ec942cb\" data-pager-autoplay-timeout=\"6\" > <div class=\"ti-widget-container ti-col-4\"> <div class=\"ti-footer source-Google\"> <div class=\"ti-large-logo\"> <div class=\"ti-v-center\"> <img loading=\"lazy\" decoding=\"async\" class=\"ti-logo-fb\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/logo.svg\" width=\"150\" height=\"25\" alt=\"Google\" width=\"150\" height=\"25\" \/> <\/div> <\/div> <span class=\"ti-stars star-lg\"> <span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span> <\/span> <div class=\"ti-rating-text\"> <strong class=\"ti-rating\"> EXCELLENT <\/strong> <span class=\"nowrap\">Bas\u00e9e sur <strong>22 avis<\/strong><\/span> <\/div> <\/div> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\"><\/div> <div class=\"ti-prev\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu0wYVjeR_XwqYXLwLW6ewNvhv1E6-g2BfHF-3r1=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Iso Arduini\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Iso Arduini <\/div> <div class=\"ti-date\">2022-10-21<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->De pr\u00e9cieux et pertinents conseils avec un accueil bienveillant et chaleureux. Merci!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu0SBZGOha3nNSwfycOJjG-Rh0UhmtErtmnF31zW=s120-c-c-rp-w64-h64-mo-br100\" alt=\"michele Sormani\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> michele Sormani <\/div> <div class=\"ti-date\">2022-09-28<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Une planification financi\u00e8re r\u00e9ussie n\u2019est pas une succession de chiffres et de statistiques, c\u2019est bien plus que \u00e7a. C\u2019est \u00eatre entendu et comprise et surtout ne pas \u00eatre seule \u00e0 imaginer, penser, planifier. L\u2019exp\u00e9rience avec l\u2019\u00e9quipe d\u2019Impact m\u2019a permis de d\u00e9couvrir leurs solides comp\u00e9tences  coupl\u00e9es \u00e0 une \u00e9coute attentive \u00e0 mes  besoins. Nous avons ainsi pu aboutir \u00e0 une analyse et \u00e0 une mise en \u0153uvre de mesures planifi\u00e9es et structur\u00e9es dans une vision long terme.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu0mI1wDQVge3ppC0rwbgeKPQa5mav_9JHW0QW6R=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Cedric Bossert\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Cedric Bossert <\/div> <div class=\"ti-date\">2022-06-01<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->L\u2019 analyse, les conseils et le suivi fournis par les professionnels exp\u00e9riment\u00e9s d\u2019Impact Financial Engineering SA sont de grande qualit\u00e9. Leurs domaines d\u2019expertise, tr\u00e8s compl\u00e9mentaires, permettent d\u2019apporter des r\u00e9ponses claires et utiles. Merci \u00e0 eux.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu2BeRRvn_1Sh1wbXU30fjn9nf7LRTIqR98rGhLT=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Fanky 74\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Fanky 74 <\/div> <div class=\"ti-date\">2022-06-01<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Conseils avis\u00e9s et tr\u00e8s professionnels pour pouvoir suivre et apr\u00e9hender son avenir patrimoniale. A recommander<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu1Hs61LAz_2GxPxp7C6ztK6a2g3l61ceWTbS1TX=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Emmanuelle Boget\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Emmanuelle Boget <\/div> <div class=\"ti-date\">2022-02-09<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->\u00e9quipe tr\u00e8s professionnelle et sympathique. A recommander sans h\u00e9siter. Gr\u00e2ce \u00e0 eux, nous avons pu r\u00e9aliser nos projets. Merci \u00e0 vous.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ACNPEu9AYFq2tMG8o7EzYoIicWpR2E-NPi5foDlIMxGa=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Peter Hofmann\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Peter Hofmann <\/div> <div class=\"ti-date\">2021-11-02<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Une \u00e9quipe de grand professionel qui apporte les meilleures solutions de planification financi\u00e8re !!!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ACNPEu-SlGvhMKkeKaRYk1B1CTqwTqZi2_PnjvorHsn3ew=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Sophie van den Brand\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Sophie van den Brand <\/div> <div class=\"ti-date\">2021-10-22<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Je recommande vivement! Marco Salmina a une approche personnalis\u00e9e et humaine. Il sait se mettre \u00e0 la place de ses clients, comprendre leurs besoins et m\u2019a conseill\u00e9e de mani\u00e8re d\u00e9taill\u00e9e, pr\u00e9cise et claire. Le service est rapide et tr\u00e8s professionnel. Cela a \u00e9t\u00e9 un plaisir de recevoir ses excellents conseils. Bravo et merci beaucoup<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ACNPEu_UaZxWKFXAhLDzqYZsKxKfXjb4ckCjgF0IjJEI8tk=s120-c-c-rp-w64-h64-mo-ba2-br100\" alt=\"Hiffik\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Hiffik <\/div> <div class=\"ti-date\">2021-10-17<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Au del\u00e0 de l'excellent accueil nous avons pu b\u00e9n\u00e9ficier des conseils tr\u00e8s \u00e9clair\u00e9s de Suzi Guignard et de ses collaborateurs.\nNotre dossier a \u00e9t\u00e9 \u00e9tudi\u00e9 de mani\u00e8re personnalis\u00e9e et tr\u00e8s professionnelle.\nNous sommes v\u00e9ritablement tr\u00e8s satisfaits et recommandons cette soci\u00e9t\u00e9.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu0OA5W8H8OYJzwmR9Rm2gHK0TKN01NXIU4kk702=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Patrick Chollet\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patrick Chollet <\/div> <div class=\"ti-date\">2021-10-14<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Tres bon contact avec Marco Samina. J'avais besoin de conseils pour comprendre o\u00f9 et comment faire des placements s\u00fbrs et utiles. J'ai trouv\u00e9 une belle ecoute et je vais pouvoir me lancer en toute s\u00e9r\u00e9nit\u00e9. Patrick<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ALm5wu3Bzoz7TdVs3imO-cP404lXnKVYPXgZ8m9YhDGF=s120-c-c-rp-w64-h64-mo-br100\" alt=\"Pedro Simko\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Pedro Simko <\/div> <div class=\"ti-date\">2021-10-13<\/div> <\/div> <\/div> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-content\"><!-- R-CONTENT -->Les individus qui g\u00e8rent Impact Financial Engineering ont toutes les connaissances n\u00e9cessaires pour faire un excellent travail. Ils ont aussi la personnalit\u00e9 juste pour dire les choses clairement et pour orienter les discussions dans une direction souhaitable. Une excellent adresse !<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-dots\"> <div class=\"dot active\"><\/div> <\/div> <\/div> <\/div> <\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; background_color=&#8221;#9eada3&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px|50px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;0px|50px|0px|50px|false|false&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; global_module=&#8221;1279&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.13.1&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;1170px&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;26px&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;25px||25px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; text_font_size_tablet=&#8221;24px&#8221; text_font_size_phone=&#8221;18px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Entretien d\u00e9couverte offert &amp; sans engagement<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;&#8221; content_phone=&#8221;<\/p>\n<p><img class=%22wp-image-1374 alignnone size-full%22 src=%22https:\/\/dev.impact-fe.ch\/wp2\/wp-content\/uploads\/2022\/04\/telephone-impact-fe.png%22 alt=%22telephone-impact-fe%22 width=%2225%22 height=%2225%22 \/> +41(0)22 552 05 02<\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.13.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;3em&#8221; text_orientation=&#8221;center&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; link_option_url=&#8221;tel:+41(0)22%20552 05 02&#8243; 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max_width=&#8221;300px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;25px|50px|25px|50px|false|false&#8221; link_option_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjEyMzUifX0=@&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;18px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|30px|30px|30px|30px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a title=\"Nous contacter\" href=\"\/impact-financial-engineering-contact\/\">Nous contacter<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9pargne<span><span><a href=\"https:\/\/dev.impact-fe.ch\/wp2\/\">Accueil<\/a><\/span><\/span>L&#8217;\u00e9pargne est la partie de vos revenus que vous mettez de c\u00f4t\u00e9 pour votre retraite. Il est essentiel de commencer \u00e0 \u00e9pargner d\u00e8s que possible jusqu\u2019\u00e0 votre d\u00e9part \u00e0 la retraite pour devenir financi\u00e8rement ind\u00e9pendant.Que vous envisagiez l&#8217;\u00e9pargne \u00e0 long terme, \u00e0 titre individuel ou par l&#8217;interm\u00e9diaire de votre fonds de pension, votre capital d&#8217;\u00e9pargne-retraite [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-2670","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mettez en \u0153uvre une solution d&#039;\u00e9pargne, d&#039;investissements et de patrimoine durable. | Impact Financial Engineering<\/title>\n<meta name=\"description\" content=\"Besoin de constituer un capital retraite ? 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