3rd Pillar (3a) — save on tax with a strategy

Bank vs. insurer? Risk vs segurança? Flexibilidade vs proteção? Eu explico de forma simples e apresento uma proposta clara para atingir os seus objetivos — com foco em impostos, custos reais e planeamento.

Request an offer (free) I have a question

Free comparison

Costs explained

A confident decision

What we do for you

A 3a strategy to save on tax today and withdraw with less tax tomorrow.

Guaranteed neutrality

We define your goal: savings, retirement, buying a home, protection (or a combination).
Bank vs. insurer: costs, risk, flexibility and limitations (no jargon).
Tax optimisation: how much you can save and how to plan withdrawals.
Multi-account strategy para reduzir imposto no resgate (quando faz sentido).
Support: we adjust when your salary, family, canton or permit changes.

Note:I show you scenarios, costs and rules so you can decide with confidence (especially for long-term commitments).

Taxes

A strategy to take advantage of deductions and reduce tax in the future.

Comparison

Bank vs. insurer — pros/cons and costs explained.

Protection

If you need cover (death/disability), we assess it carefully.

Request an offer / compare I have a question

How it works (3 steps)

Simple, fast, and with an informed decision.

Goal

We define your horizon, risk profile, and whether you need cover (disability/death).

Solution

I compare 3a options and present a clear proposal (costs + scenarios).

Implementation

Opening/transfer and annual follow-up.

Send request (free)

Benefits (what changes for you)

Less tax (with a strategy)

Deductions today + withdrawal planning to pay less tomorrow.

Bank vs. insurer, no confusion

Costs, risks, flexibility and rules before you sign.

Multi-account strategy

When it makes sense, this reduces tax by withdrawing in different years.

Protection (if needed)

If you need cover, we assess it carefully — no unnecessary extras.

FAQ

Can I have more than one 3a account?

Yes. You can have several accounts/policies, which can help with withdrawal strategy and tax planning.

3a bank or insurer: which is better?

It depends on your goal. A bank tends to be more flexible; an insurer may include protection. I explain the pros and cons for your case.

When can I withdraw my 3a?

There are rules (retirement, buying a home, permanently leaving, etc.). I’ll tell you what applies to your case.

Is it worth transferring my 3a?

Sometimes yes, sometimes no. I check costs, terms and any penalties before making a recommendation.

Request

Avance quando quiser.

O pedido abre num formulário assistido. Pode enviar só com os dados principais ou continuar para um pedido detalhado.

Request an analysis Arrange a conversation

3.º pilar No obligation

Request an analysis