{"id":21535,"date":"2025-01-21T22:06:22","date_gmt":"2025-01-21T20:06:22","guid":{"rendered":"https:\/\/www.nexova.ch\/?p=21535"},"modified":"2025-10-09T18:29:46","modified_gmt":"2025-10-09T16:29:46","slug":"subsequent-pillar-3a-purchases-switzerland","status":"publish","type":"post","link":"https:\/\/www.nexova.ch\/en\/tax-and-legal\/subsequent-pillar-3a-purchases-switzerland\/","title":{"rendered":"Subsequent Pillar 3a Purchases &#8211; Filling the Contribution Gaps"},"content":{"rendered":"\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h1 class=\"blog-section-title\">Subsequent Pillar 3a Purchases &#8211; Filling the Contribution Gaps<\/h1>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2200\" height=\"880\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greisin_2-edited.jpeg\" alt=\"\" class=\"wp-image-21508\"\/><\/figure>\n\n\n\n<p><strong>The newly enacted 2025 Pillar 3a purchase rules<\/strong> mark a significant shift in Switzerland\u2019s retirement savings landscape, allowing employees to fill contribution gaps and enhance their financial security. While these changes offer new opportunities for tax savings and flexibility, they come with limitations and administrative challenges. This article explores the new provisions, their implications for taxpayers, and how they compare to the original Ettlin Motion, providing insights for effective retirement planning.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-highlights blog-section highlights\"><div class=\"blog-section-wrap\"><div class=\"blog-highlights\"><h2 class=\"section-title\">Highlights<\/h2><ul class=\"higlight-lists\"><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>Pillar 3a <\/strong>top-ups from 2025 allow you to close contribution gaps of up to 10 years<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>Back payments<\/strong> are only permitted for years with income <strong>subject to AHV contributions <\/strong>and limited amounts<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\">The <strong>max. limit<\/strong> for subsequent purchases is <strong>CHF 7,258 per year<\/strong> based on the purchase status<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\">Gaps before <strong>2025<\/strong> cannot be closed; new rules only apply to later years<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>High administrative costs<\/strong> and strict rules limit <strong>flexibility and benefits<\/strong><\/span><\/li><\/ul><\/div><div class=\"blog-content-list\"><h2 class=\"section-title\">Content<\/h2><ul class=\"content-lists\"><li class=\"content-list\">Subsequent Pillar 3a Purchases &#8211; Filling the Contribution Gaps<\/li><li class=\"content-list\">Highlights &#038; content<\/li><li class=\"content-list\">What is Pillar 3a and why is it important?<\/li><li class=\"content-list\">Background to the new Pillar 3a provisions of 2025<\/li><li class=\"content-list\">The specifics: What are the new rules for subsequent Pillar 3a purchases?<\/li><li class=\"content-list\">How do the enacted rules differ from those put forward in the Ettlin Motion?<\/li><li class=\"content-list\">Tax benefits and financial implications<\/li><li class=\"content-list\">What are the practical difficulties and considerations?<\/li><li class=\"content-list\">The verdict: Will the new purchase rules successfully encourage retirement provision?<\/li><li class=\"content-list\">Looking to optimize your tax-free pillar 3a contributions?<\/li><li class=\"content-list\">That\u2019s what our customers say<\/li><\/ul><div class=\"more-button\"><span class=\"qicon q-arrow-down\"><\/span><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">What is Pillar 3a and why is it important?<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1735\" height=\"694\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greis_2-edited.jpg\" alt=\"\" class=\"wp-image-21510\"\/><\/figure>\n\n\n\n<p><strong>Switzerland\u2019s social security system is rooted in its three-pillar model<\/strong>, which creates a multi-layer protection system for its residents through state support (Pillar 1), occupational pensions (Pillar 2), and private savings (Pillar 3a and 3b).<\/p>\n\n\n\n<p>The first two pillars \u2013 <strong>state pensions (AHV) and occupational pension schemes (BVG)<\/strong> \u2013 provide a baseline of income for retirement. However, for many this is insufficient to maintain their desired quality of life during old age. They can therefore optionally contribute to Pillar 3a; a voluntary, tax-privileged private savings plan that allows individuals to supplement their retirement income.<\/p>\n\n\n\n<p><strong>The annual contributions to Pillar 3a are deductible from taxable income<\/strong>, which incentivizes individuals to save for retirement. However, there is a limit to the tax-free contributions you can make to Pillar 3a. As of 2025, the maximum annual contributions are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employees with a second pillar occupational pension (BVG): <strong>CHF 7,258<\/strong> (the \u201c<strong>small contribution<\/strong>\u201d limit).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self-employed individuals without a second pillar: <strong>20% of net income up to a maximum of CHF 36,288<\/strong> (the \u201c<strong>large contribution<\/strong>\u201d limit).<\/li>\n<\/ul>\n\n\n\n<p>While the contributions to Pillar 3a are tax-deductible, there is <strong>a single flat-rate tax on capital withdrawals<\/strong> which vary depending on the canton and the amount of the withdrawal.<\/p>\n\n\n\n<p><strong>Note<\/strong>, individuals who surpass the contribution limits to Pillar 3a can then make use of Pillar 3b, a more flexible savings option without annual contribution limits, but for which the contributions are not tax deductible. The benefit is that there is <strong>no maximum contribution limit<\/strong> as well as <strong>no flat tax <\/strong>for withdrawing the capital from Pillar 3b savings.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Background to the new Pillar 3a provisions of 2025<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1366\" height=\"546\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Matches_1-edited.jpg\" alt=\"\" class=\"wp-image-21512\"\/><\/figure>\n\n\n\n<p>While the tax benefits of Pillar 3a make it an attractive retirement savings tool, <strong>the system previously lacked flexibility <\/strong>for those who were unable to contribute the maximum amount due to various life circumstances like studying, starting their own business, family leave, or any number of financial challenges.<\/p>\n\n\n\n<p>Seeing these issues, <strong>Council of States member Erich Ettlin put forward a motion on 19 June 2019<\/strong> (dubbed the \u201c<strong>Ettlin Motion<\/strong>\u201d) which proposed introducing the option to make <strong>catch-up payments into Pillar 3a<\/strong> (known as \u201cpurchases\u201d). The goal of the motion was to allow individuals to fill contribution gaps from earlier years, ensuring they wouldn\u2019t permanently lose the opportunity to save for retirement and benefit from the associated tax deductions.<\/p>\n\n\n\n<p>From 1<sup>st<\/sup> January 2025, as a result of the Ettlin Motion, <strong>new rules have finally been enacted enabling subsequent Pillar 3a purchases<\/strong>. However, when the motion was debated and refined in Parliament, certain elements were scaled back to address concerns about lost tax revenue and administrative complexity. The result is a more restrictive and conservative version of the original proposal.<\/p>\n\n\n\n<p>While the final provisions allow for greater flexibility than before, <strong>they fall short of the vision originally put forward by Ettlin<\/strong>. Later, we will explore in greater detail how the enacted rules differ from those proposed in the Ettlin Motion.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">The specifics: What are the new rules for subsequent Pillar 3a purchases?<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2200\" height=\"880\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greis_3-edited.jpg\" alt=\"\" class=\"wp-image-21514\"\/><\/figure>\n\n\n\n<p>The new provisions for Pillar 3a introduce the possibility of making <strong>catch-up contributions<\/strong> to address gaps in prior years. In other words, anyone who does not contribute the maximum amount in a year or over multiple years has the ability make up that shortfall by contributing extra later (subsequent Pillar 3a purchase).<\/p>\n\n\n\n<p>However, these contributions come with specific <strong>conditions and limitations<\/strong>:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Retroactive payments<\/h3>\n\n\n\n<p>From 2025 onward, individuals can fill gaps in their Pillar 3a contributions for up to <strong>10 years<\/strong> prior to the purchase year. For example, if an individual (who is also contributing to an occupational pension scheme) fails to contribute the full CHF 7,258 to Pillar 3a in 2025, they can make up for this shortfall in subsequent years up until 2035.<\/p>\n\n\n\n<p>However, only gaps created from <strong>2025 onward<\/strong> are eligible for catch-up contributions. Missed contributions before this date remain <strong>permanently inaccessible<\/strong>. In other words, an individual cannot now in 2025 make up for a missed payment in 2023. In that sense, 2026 will be the first year in which it is possible to make a Pillar 3a subsequent purchase (for missed contributions in 2025).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Eligibility criteria<\/h3>\n\n\n\n<p>One critical limitation is that retroactive contributions are only permitted for years in which the individual was actually entitled to contribute to Pillar 3a but did not do so (or at least not to the maximum amount possible) for various circumstances. This requires having had <strong>income subject to AHV contributions<\/strong> in the year in question. Gaps cannot be filled for years without qualifying income such as unpaid sabbaticals for example.<\/p>\n\n\n\n<p><strong>For example:<\/strong> Mr. X quits his job at the beginning of 2025 and embarks on a two-year round-the-world trip, during which he earns no income subject to AHV. As a result, he cannot make any additional contributions later to cover the missed S\u00e4ule\u202f3a payments for 2025 and 2026, because he was not considered gainfully employed during his sabbatical.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Annual contribution limits<\/h3>\n\n\n\n<p>Pillar 3a purchases are limited to the <strong>small contribution limit<\/strong> (CHF 7,258 in 2025) for both employees with a second pillar and those without. Additionally, individuals can only make a catch-up purchase <strong>after paying the maximum ordinary contribution<\/strong> for the year. In other words:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employees with a second pillar can pay a maximum of <strong>twice the small contribution limit of CHF 7,258 per year <\/strong>(CHF 7,258 as their ordinary contribution and a maximum additional purchase of CHF 7,258 to cover any contribution gaps in prior years).<\/li>\n\n\n\n<li>Self-employed individuals without a second pillar must <strong>first pay the regular \u201clarge contribution\u201d<\/strong> (20% of earnings up to CHF 36,288) before making any catch-up contributions. These are also capped at the \u201csmall contribution\u201d limit.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Addressing multiple gaps<\/h3>\n\n\n\n<p>In one year, individuals can make <strong>catch-up contributions to address multiple gaps<\/strong> simultaneously, but once a particular gap year has been partially or fully addressed, it <strong>cannot be purchased again in the future<\/strong> (i.e., a single gap cannot be spread over multiple years).<\/p>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<p>Suppose an employee doesn\u2019t contribute the maximum of CHF 7,258 in 2025, 2026, and 2027, leaving gaps of CHF 6,000, CHF 4,000, and CHF 5,000 respectively. This results in a total contribution gap of CHF 15,000 that can be purchased in later years.<\/p>\n\n\n\n<p>In 2028, the maximum amount that can be purchased towards covering this gap is the small contribution limit of CHF 7,258. This would fully cover the gap of CHF 6,000 from 2025 and partially cover the gap of CHF 4,000 from 2026 (CHF 1,258 towards the gap). Assuming this is done, there would still be CHF 2,742 of the 2026 gap remaining; however, no further purchases can be made towards covering this gap after it has been partially covered, so the rest is forfeited.<\/p>\n\n\n\n<p>This illustrates how important it is to <strong>carefully plan Pillar 3a purchases<\/strong> to maximize the amount of additional tax-free contributions you can make. From a tax planning perspective, in the above scenario it would make more sense to only make a purchase of CHF 6,000 in 2028 to fully cover the 2025 gap but leave the entire 2026 gap for purchase in the following year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Administrative requirements<\/h3>\n\n\n\n<p>According to the new rules, taxpayers wishing to make a subsequent purchase into Pillar 3a must <strong>demonstrate their eligibility and comply with various regulations<\/strong>, such as providing certain details to their Pillar 3a institution in advance. Institutions will likely bear the burden of verifying individual calculations and ensuring compliance with these rules.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">How do the enacted rules differ from those put forward in the Ettlin Motion?<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1863\" height=\"745\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greisin_1-edited.jpeg\" alt=\"\" class=\"wp-image-21516\"\/><\/figure>\n\n\n\n<p><strong>The new provisions diverge significantly from the original proposal put forward by Councillor of States Erich Ettlin in 2019<\/strong>. These differences reflect compromises made to balance flexibility in retirement savings with the need to protect public tax revenue.<\/p>\n\n\n\n<p><strong>1. Frequency of purchases<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ettlin Motion<\/strong>: Proposed that catch-up contributions (purchases) be allowed every <strong>five years<\/strong> to ease the administrative burden and keep tax losses within reasonable limits. There was no mention of limiting partial coverage of specific gap years in such a way that they can\u2019t be spread over multiple purchases.<\/li>\n\n\n\n<li><strong>Final Rules<\/strong>: Permit purchases annually, provided eligibility criteria are met. Does not permit a single gap to be spread over multiple purchases.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Scope of retroactive payments<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ettlin Motion<\/strong>: In order to help people with gaps in their employment, the original motion proposed allowing retroactive payments for any year since the age of 25, even if the individual had no income during those years.<\/li>\n\n\n\n<li><strong>Final Rules<\/strong>: Restrict payments to years with AHV-subject income.<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Contribution caps<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ettlin Motion<\/strong>: Suggested permitting larger contributions, up to the \u201clarge contribution\u201d limit. This makes sense given that the proposed purchase frequency was once every five years.<\/li>\n\n\n\n<li><strong>Final Rules<\/strong>: Limit all retroactive payments to the \u201csmall contribution\u201d cap, regardless of employment status.<\/li>\n<\/ul>\n\n\n\n<p><strong>4. Pre-2025 gaps<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ettlin Motion<\/strong>: Allowed individuals to fill gaps for any eligible year, regardless of when it occurred (e.g., if the original motion had been passed, individuals would now be allowed to fill previous gaps which occurred prior to 2025.<\/li>\n\n\n\n<li><strong>Final Rules<\/strong>: Only contribution gaps created from 2025 onward can be filled in subsequent years. This creates an imbalance whereby older employees nearing retirement have less scope to benefit from the new provisions.<\/li>\n<\/ul>\n\n\n\n<p><strong>5. Administrative burden<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Motion<\/strong>: Advocated for simple calculations based on the standard 3a Federal Social Insurance Office (BSV) table.<\/li>\n\n\n\n<li><strong>Final Rules<\/strong>: Introduce case-by-case verification and stricter controls, increasing administrative complexity. This additional hurdle may deter taxpayers from making use of the optional purchases, thereby watering down the effectiveness of the new rules in encouraging individual retirement provision.<\/li>\n<\/ul>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Tax benefits and financial implications<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2200\" height=\"880\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greis_4-edited.jpeg\" alt=\"\" class=\"wp-image-21518\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Additional scope for individual tax savings<\/h3>\n\n\n\n<p>One of the primary advantages of retroactive contributions is their ability to <strong>reduce taxable income<\/strong>. Depending on the circumstances, the tax savings can be substantial, providing a dual incentive to save for retirement and minimize tax liabilities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who benefits most from the changes?<\/h3>\n\n\n\n<p><strong>The provisions are especially beneficial for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Employees who miss contributions due to various personal and financial circumstances<\/strong>, but can later \u201ccatch up\u201d and thereby still have the opportunity to maximize their Pillar 3a tax deductions.<\/li>\n\n\n\n<li><strong>Younger workers<\/strong>, as the provisions are forward-looking and don\u2019t allow retroactive purchases for missed contributions before 2025. This means older workers are less likely to benefit from the changes.<\/li>\n\n\n\n<li><strong>Higher-income earners<\/strong> with disposable income who can strategically fill gaps and maximize their tax deductions.<\/li>\n<\/ul>\n\n\n\n<p>It is worth noting that<strong> the restrictive eligibility criteria limit benefits for individuals who lack AHV-subject income<\/strong> during gap years or whose financial situations prevent them from making large enough purchases (e.g., they may not be able to fully cover a gap year, and are then not able to spread it over multiple purchases).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Predicted reduction in federal and cantonal tax revenue<\/h3>\n\n\n\n<p><strong>The new provisions are likely to enhance personal retirement provision<\/strong> by making it easier for taxpayers to contribute the maximum to Pillar 3a. This is undoubtedly positive for the society at large and can mean a greater proportion of financially stable retirees.<\/p>\n\n\n\n<p>However, this tax benefit comes at a cost to the federal, cantonal, and municipal governments. The Federal Council estimates annual tax revenue losses of up to CHF 600 million, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CHF 100\u2013150 million<\/strong> in reduced direct federal tax revenue.<\/li>\n\n\n\n<li><strong>CHF 200\u2013450 million<\/strong> in reduced cantonal and municipal income tax revenue.<\/li>\n<\/ul>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">What are the practical difficulties and considerations?<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2200\" height=\"880\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Greis_1-edited.jpg\" alt=\"\" class=\"wp-image-21520\"\/><\/figure>\n\n\n\n<p>Despite the potential tax benefits of the new purchase provisions, <strong>the greater complexity involved poses challenges to taxpayers<\/strong> and may reduce the extent to which the opportunity is utilized.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Greater administrative burden<\/h3>\n\n\n\n<p><strong>To make subsequent catch-up contributions<\/strong>, taxpayers will have to carefully track their contribution history, calculate gaps in contributions, and coordinate purchases along with submitting the required details. In turn, institutions will have to verify the eligibility and proper compliance of taxpayers which will increase administrative costs. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Strategic timing of purchases<\/h3>\n\n\n\n<p><strong>Individuals must plan their Pillar 3a purchases strategically<\/strong>, by balancing their current financial capacity with future tax optimization, as well as optimizing the amount of the purchase to avoid partial coverage of gaps (which would exclude them from full coverage in later years).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Probable increased taxation on capital withdrawals<\/h3>\n\n\n\n<p>In addition to the above challenges, discussions about <strong>increasing the taxation of Pillar 3a withdrawals could dampen enthusiasm<\/strong> for these new measures. Taxpayers will have to more seriously weigh future tax implications against immediate benefits.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">The verdict: Will the new purchase rules successfully encourage retirement provision?<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2200\" height=\"880\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/Gavel_1-edited.jpg\" alt=\"\" class=\"wp-image-21522\"\/><\/figure>\n\n\n\n<p><strong>The new Pillar 3a purchase rules introduce greater flexibility<\/strong>, allowing taxpayers to fill contribution gaps and optimize tax savings, thereby encouraging more consistent retirement saving. However, restrictive eligibility criteria, low caps on retroactive contributions, and administrative complexity <strong>may limit their effectiveness<\/strong>. High-income earners and younger workers stand to benefit most, while those with intermittent incomes or older individuals with pre-2025 gaps are less likely to gain from the changes.<\/p>\n\n\n\n<p><strong>Compared to the original Ettlin Motion<\/strong>, the enacted rules are more conservative, prioritizing tax revenue protection over inclusivity and simplicity. While progress has been made, broader eligibility and simplified processes may be needed to make the provisions more inclusive and impactful in strengthening retirement provision across all demographics.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n    <section class=\"wp-block-qweb-blog-conclusion blog-section conclusion\">\n        <div class=\"blog-section-wrap\">\n                            <h2 class=\"blog-section-title\">Looking to optimize your tax-free pillar 3a contributions?<\/h2>\n            \n                            <figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1080\" height=\"602\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2026\/02\/Team_Patch_G2.jpg-1900x1059.jpg\" class=\"nexova-team-img nexova-green\" alt=\"Team_Patch_G2.jpg\" loading=\"lazy\" \/><\/figure>\n            \n            <div class=\"blog-section-content\">\n\n<p><strong>As an employee, freelancer or budding entrepreneur in Switzerland<\/strong>, understanding the new Pillar 3a purchase rules and planning your contributions strategically is essential to maximize your tax benefits. Expert guidance can help you avoid common mistakes, such as forfeiting unused contribution gaps or misinterpreting eligibility criteria.<\/p>\n\n\n\n<p>As your preferred digital trustee and accounting provider in Switzerland, <strong>Nexova offers the expertise you need.<\/strong> Our team simplifies the complexities of the new rules and provides personalized strategies to help you optimize your Pillar 3a contributions along with your broader tax planning. With Nexova, you can confidently make the most of these changes and secure a stronger financial future.<\/p>\n\n\n\n<p><strong>Contact us today for a free consultation<\/strong> to learn more about the many ways we can help take you and your business to the next level.<\/p>\n\n<\/div>\n        <\/div>\n    <\/section>\n    \n\n<section class=\"wp-block-qweb-customer-review blog-section customer-review\">\n\t<div class=\"blog-section-wrap\">\n\t\t<div class=\"section-row\">\n\t\t\t<div class=\"section-col title-col\">\n\t\t\t\t<h2 class=\"section-title\">That\u2019s what our customers say<\/h2>\n\t\t\t\t<p class=\"tx-large-size\">Your feedback matters<\/p>\n\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t<div class=\"google-rating\">\n\t\t\t\t  <div class=\"map-ico\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/04\/google-map.svg\" width=\"42\" height=\"60\" alt=\"Google map icon for nexova rating\">\n\t\t\t\t  <\/div>\n\t\t\t\t  <div class=\"rating\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/04\/five-star.svg\" width=\"180\" height=\"28\" alt=\"nexova rating is 5 star\">\n\t\t\t\t\t<h3>5.0 stars <\/h3>\n\t\t\t\t\t<div>\n\t\t\t\t\t  93 reviews \n\t\t\t\t\t<\/div>\n\t\t\t\t  <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\t\t\n\t\t<div class=\"q_reviews\">\n\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-4.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMarc Perren\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">Mr. Merz has a very broad knowledge and was able to help me with all my questions. The conversation was very pleasant and very informative for me. Thank you for your support.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-3.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tJ\u00f6rg Buckmann\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">Uncomplicated or serious? Both here. A young, smart team is at work here, offering excellent services, highly uncomplicated and competent. Instead of a prestigious reception area, expensive offices and a few small gifts, you offer fast and competent services. For me as a one-man company, this is exactly what I need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-2.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMartin Gerber\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">I have been a Nexova customer for some time now and so far I am very satisfied! Thanks to the digital working methods and high responsiveness of the client managers, little time is lost in the daily process in particular. The prices are also very fair. Nexova handles the annual financial statements for me, including the tax balance sheet. The processes are standardized, which is a great advantage for audits (AHV and taxes). The two founders are two young, innovative guys and very serious.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-1.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tFlorian Kreidler\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">The friendly and competent Nexova employee was able to answer my questions about company car taxation quickly and specifically. Thank you very much for this!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tReto S\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">When I founded my company a year ago, I needed a reliable fiduciary partner. In addition to pure accounting, Nexova also offers me very good advice on all aspects of labor law. Thanks to the E-Post solution, I no longer even have to worry about my company mail and can focus purely on my service activities. My contacts at Nexova are always very friendly and pleasant to deal with. The complete package is simply TOP and I can only recommend Nexova!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-8.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tPascal Zumstein\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Top company &amp; friendly owners. A highly recommended trustee.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-7.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tSeb Ur\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Very good and competent advice!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-5.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tDavid Leu\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Professionally at a very high level. They are very good with Excel and could also support us with automation of processes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-4.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tStefan Burgener\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I had a few questions about remote work and was advised super and free of charge. Thank you very much!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-3.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tLuca M\u00e4rki\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Very good service. Good and competent advice with friendly staff. I can definitely recommend<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-2.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tEdward Buchanan\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>The Nexova team is very professional and I felt they always had my best interests at heart. I highly recommend Nexova and will continue to refer my clients to them and trust them with my business.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-1.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tJuliam Pantano\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I am impressed with their outstanding service, especially in the field of accounting services, they demonstrate a professional approach and exceptional attention. As a lawyer, I have found Nexova to be a valuable partner in the financial world.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMarie Ospina\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I had an excellent consultation with Nexova AG regarding withholding tax. Their expertise is remarkably extensive and their guidance was invaluable, I highly recommend their services. A first class experience.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/alan.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tAlan Schuetz\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tFebruary 8, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>The Nexova Team is an important partner to our startup, enabling us to pass all of our accounting, tax and payroll duties. We specially value their expertise with Startups and flexibility, which allows us to plan and manage our financials effectively and to focus on the bottom line of our operations.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/raphel.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tRaphael H.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tApril 7, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>We are very satisfied with Nexova as our trustee. Thanks to the Teams group chat, I can always count on very fast response times (of a few minutes). The Teams Chat group is great. With our old trustee, we had to write mails and always had to wait a long time for an answer and on top of that we were charged for every little question. Fortunately, this is not the case with Nexova.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/philip.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tPhilip Reck\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tFebruary 25, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Nexova solved my problem with a non-paying tenant quickly and efficiently. I was simply overwhelmed with the situation and glad for the competent legal advice. Nexova handled everything from the reminder with threat of termination, to representation in court, to the police eviction quickly, efficiently and also inexpensively. Many thanks for the valuable help.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t<div class=\"review-button\">\n\t\t<a href=\"https:\/\/g.page\/r\/Cb30_RVpXzU_EBM\/review\" class=\"btn bold violet btn-with-bg\" target=\"_blank\" rel=\"nofollow\">Submit a review<\/a>\n\t<\/div>\n\t\t<style>\n\t\t\tsection.blog-section.customer-review {\n\t\t\tpadding-left: 10%;\n\t\t\tpadding-right: 10%;\n\t\t\tpadding-top: 4em;\n\t\t}\n\t\t\tsection.blog-section.customer-review .section-row{\n\t\t\t\tdisplay: flex;\n\t\t\t\tjustify-content: space-between;\n\t\t\t}\n\t\t\t.customer-review h2.section-title{\n\t\t\t\tmargin-bottom: 0 !important;\n\t\t\t}\n\t\t\tsection.blog-section.customer-review .google-rating .rating h3{\n\t\t\t\tpadding-bottom: 2px;\n\t\t\t\tfont-size: 19px 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