Retirement planning and wealth management: the partnership between SwissPensionAdvisors and NewOak

SwissPensionAdvisors and NewOak have formed a partnership for the active management of occupational pension assets: 1st pillar plans, vested benefits structures, and other 2nd pillar provisions. The division of roles is clear: SwissPensionAdvisors structures, PENSEXPERT hosts, and NewOak manages. The core principle of this collaboration is to treat pension planning as an integral part of one's assets, rather than as a separate, managed compartment.

For most senior executives, entrepreneurs, and high earners in Switzerland, pension assets exist in a separate category: a distinct framework, its own rules, rarely linked to the rest of their wealth. This separation comes at a cost. Pension savings often represent a significant portion of senior executives' assets—and, at the same time, its least actively managed component.

The soundest wealth management decisions are made within a broader context, not in isolation. A retirement savings allocation that ignores the rest of the portfolio can create unintended risk concentrations, suboptimal tax effects, or a mismatch between where assets are held and how they will be withdrawn. The trade-off between annuities and lump sums at retirement, staggered withdrawals across cantons and tax years, and coordinated buybacks: none of this survives a siloed approach. For high earners, the scope for legal tax optimization is often greater than one might assume—but only if buybacks, withdrawals, and cash flows are coordinated. Treated separately, these levers cancel each other out.

The strength of the system lies in this clear division of labor. SwissPensionAdvisors provides entirely in-house expertise—pension planning, taxation, law, and wealth structuring—and structural independence: no kickbacks, no outsourcing, and no conflicts of interest. The solutions are hosted on the PENSEXPERT platform, one of Switzerland's leading independent pension funds, whose open architecture and governance offer the flexibility required for complex structures. NewOak actively manages the funds, following an open architecture investment philosophy and a rigorous risk framework, aligned with each client's risk tolerance, time horizon, and wealth structure.

A retirement planning decision made separately from one's assets remains incomplete. This is what this partnership corrects: not just another product, but a system—one that structures, houses, and manages within a single framework.

What does this partnership cover?

Active management of occupational pension assets of the 2nd pillar: 1e plans, premium structure and vested benefits assets, as well as the broader provisions of the second pillar.

Who does what?

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

Who is this offer for?

For senior executives, entrepreneurs and high earners whose pension assets represent a significant part of their wealth, and who seek coherent management between pensions, taxation and private wealth.