Pension and wealth: the partnership between SwissPensionAdvisors and NewOak

SwissPensionAdvisors and NewOak have formed a partnership for the active management of occupational pension assets: 1e plans, bel-étage structures, vested-benefit holdings and other 2nd-pillar arrangements. The division of roles is explicit — SwissPensionAdvisors structures, PENSEXPERT hosts, NewOak manages. The aim of the collaboration rests on a single idea: to treat pension assets as a component of wealth, not as a compartment managed apart.

For most executives, business owners and high earners in Switzerland, pension assets sit in a separate category: a distinct framework, their own rules, rarely set against the rest of one's wealth. That separation has a cost. Pension savings often represent a significant share of senior professionals' wealth — and, at the same time, its least actively managed part.

The soundest wealth decisions are made in context, not in isolation. A pension allocation that ignores the rest of the portfolio can create unintended concentrations of risk, suboptimal tax outcomes, or a mismatch between where assets are held and how they will be drawn down. Capital-versus-annuity arbitrage at retirement, withdrawals staggered across cantons and tax years, buy-backs to be coordinated: none of this survives a siloed approach. For high earners, the room for legal tax optimisation is often wider than assumed — but only when buy-backs, withdrawals and cash flows are coordinated. Handled separately, these levers cancel each other out.

The strength of the arrangement lies in this clear division. SwissPensionAdvisors provides fully in-house expertise — pensions, tax, law, wealth architecture — and structural independence: no retrocessions, no subcontracting, no conflicts of interest. The solutions are hosted on the PENSEXPERT platform, one of Switzerland's leading independent pension foundations, whose open architecture and governance provide the flexibility that complex arrangements demand. NewOak provides the active management, following an open-architecture investment philosophy and a rigorous risk framework, aligned with each client's risk tolerance, time horizon and wealth structure.

A pension decision made apart from one's wealth remains incomplete. That is what this partnership corrects: not one more product, but an order — structuring, hosting and managing within a single framework.

What does this partnership cover ?

The active management of 2nd-pillar occupational pension assets: 1e plans, bel-étage structures and vested-benefit holdings, as well as broader second-pillar arrangements.

Who does what ?

The roles are distinct and explicit: SwissPensionAdvisors structures the solutions, the PENSEXPERT foundation hosts them, and NewOak manages them.

Who is this offering for ?

Executives, business owners and high earners whose pension assets represent a significant share of their wealth, and who seek coherent management across pensions, tax and private wealth.