{"id":13734,"date":"2023-08-16T12:38:48","date_gmt":"2023-08-16T10:38:48","guid":{"rendered":"https:\/\/www.schulthessforum.ch\/?post_type=product&#038;p=13734"},"modified":"2024-04-12T09:42:52","modified_gmt":"2024-04-12T07:42:52","slug":"berufliche-vorsorge-2023","status":"publish","type":"product","link":"https:\/\/dev.schulthessforum.ch\/berufliche-vorsorge\/","title":{"rendered":"Berufliche Vorsorge 2024"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbAlert Content\u00a0\u00bb module_id=\u00a0\u00bbschulthess-header-alertbar-section\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code admin_label=\u00a0\u00bbCode (Alert) (ZU \u00c4NDERN IN %22HOME%22)\u00a0\u00bb module_class=\u00a0\u00bbschulthess-header-alertbar \u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbHeader &#8211; Content\u00a0\u00bb module_class=\u00a0\u00bbsf-product-header schulthess-hero\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb background_enable_image=\u00a0\u00bboff\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<style>.et-db #et-boc .et-l .et_pb_section.sf-product-header.schulthess-hero{\n        background-color: #244566 !important;\n      }\n      .schulthess-hero h1 {\n        border-bottom: 3px solid #FFFFFFF !important;\n      }\n      .sf-product-header.schulthess-hero .weitereVaranstalerSchriftfarbe{\n        color: #FFFFFF !important;\n      }\n      .schulthess-hero .event-kategorie-date-headline.weitereVaranstalerSchriftfarbe,\n      .schulthess-hero .event-kategorie-date-headline.weitereVaranstalerSchriftfarbe a{\n        color: #FFFFFF !important;\n      }\n      .schulthess-hero .event-kategorie-date-headline.weitereVaranstalerSchriftfarbe a:hover,\n      .schulthess-hero .event-kategorie-date-headline.weitereVaranstalerSchriftfarbe a:focus,\n      .schulthess-hero .event-kategorie-date-headline.weitereVaranstalerSchriftfarbe a:active{\n        color: #8ac7ef !important;\n      }\n      .weitererVeranstalterLogoSubheadline{\n        width: 150px;\n        max-width: 100%;\n      }<\/style>\n\t <div class=\"et_pb_text_inner\"><h3 class=\"weitereVaranstalerSchriftfarbe\">Schulthess Forum<\/h3><\/div>\n\t <div class=\"et_pb_text_inner\"><h1 class=\"sf-product-title weitereVaranstalerSchriftfarbe\">Berufliche Vorsorge 2024<\/h1><\/div>\n\t <div class=\"et_pb_text_inner\"><h2 class=\"sf-product-subheadline weitereVaranstalerSchriftfarbe\">Flexibilisierung der Lebensarbeitszeit<\/h2><\/div>\n\t <div class=\"sf-product-catsDateLogos\"><span class=\"event-kategorie-date-headline weitereVaranstalerSchriftfarbe\">Tagungen | mardi, 12.03.2024<\/span><div class=\"sf-product-logos\"><\/div><\/div>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; specialty=\u00a0\u00bbon\u00a0\u00bb module_class_1=\u00a0\u00bbschulthess-product-main\u00a0\u00bb module_class_2=\u00a0\u00bbschulthess-product-sidebar\u00a0\u00bb admin_label=\u00a0\u00bbMain &#8211; Content\u00a0\u00bb module_id=\u00a0\u00bbschulthess-product-mainsection\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb3_4&Prime; specialty_columns=\u00a0\u00bb3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_row_inner admin_label=\u00a0\u00bbMen\u00fc (Programm, Referierende, Fachinformation, Partner, Impressionen, Teilnehmerbereich)\u00a0\u00bb module_id=\u00a0\u00bbschulthess-product-subnavigation\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_menu menu_id=\u00a0\u00bb67&Prime; module_class=\u00a0\u00bbet_smooth_scroll_disabled\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_menu][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=\u00a0\u00bbKurzbeschreibung (Inhalt kommt vom Main Event Content)\u00a0\u00bb module_class=\u00a0\u00bbsf-date-shorttext-row kurzbeschreibung-border-bottom\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbKurzbeschreibung\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _dynamic_attributes=\u00a0\u00bbcontent\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicHJvZHVjdF9zaG9ydF9kZXNjcmlwdGlvbiIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=\u00a0\u00bbProgramm (Ihr Vorteil, Zielpublikum, Kurzprogramm, Detailprogramm)\u00a0\u00bb module_id=\u00a0\u00bbschulthess-programm\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbIhr Vorteil &#8211; Headline\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Ihr Vorteil<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbIhr Vorteil &#8211; Liste\u00a0\u00bb module_class=\u00a0\u00bbprogramm-border-bottom\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Das Schulthess Forum Berufliche Vorsorge bietet<\/p>\n<ul>\n<li>Profunde Fachinformationen aus erster Hand<\/li>\n<li>Berichte aus Strategie und Praxis<\/li>\n<li>Rechtliche, steuerliche und aktuarische Aspekte<\/li>\n<li>Den Blick von Unternehmen und von Betroffenen<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbZielpublikum &#8211; Headline\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Zielpublikum<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbZielpublikum &#8211; Liste\u00a0\u00bb module_class=\u00a0\u00bbprogramm-border-bottom\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"content clearfix\">\n<ul>\n<li>Wirtschaftsanwaltschaft<\/li>\n<li>Treuhand und Steuerberatung<\/li>\n<li>Aktuariat<\/li>\n<li>Pensionskassen<\/li>\n<li>Banken, Beratung M&amp;A<\/li>\n<li>Human Resources<\/li>\n<li>Ausgleichskassen<\/li>\n<li>Aufsichtsbeh\u00f6rden<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbKurzprogramm &#8211; Headline\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Kurzprogramm<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbProgramm &#8211; Liste\u00a0\u00bb module_class=\u00a0\u00bbprogramm-border-bottom\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"group-programmpunkt field-group-div\">\n<div class=\"field field-name-title-field field-type-text field-label-hidden\">\n<div class=\"field-items\">\n<ul>\n<li class=\"sf-h4 detailprogamm-title\">Generationen B, X\u2013 Z: Alle unter einem Firmendach &#8211; eine Auslegeordnung<\/li>\n<li class=\"sf-h4 detailprogamm-title\">Die heute geltenden Pensionierungsregeln und anstehende \u00c4nderungen<\/li>\n<li class=\"sf-h4 detailprogamm-title\">Aktuarische Aspekte des flexiblen Pensionierungsalters<\/li>\n<li class=\"sf-h4 detailprogamm-title\">Steuerliche Aspekte im Hinblick auf die Pensionierung<\/li>\n<li class=\"sf-h4 detailprogamm-title\">Die Perspektive der Betroffenen<\/li>\n<li class=\"sf-h4 detailprogamm-title\">Ausblick &#8211; Entwicklungen, Reformbedarf?<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_toggle title=\u00a0\u00bbDetailprogramm \u00f6ffnen\u00a0\u00bb open_toggle_background_color=\u00a0\u00bb#f7f7f7&Prime; closed_toggle_background_color=\u00a0\u00bb#f7f7f7&Prime; icon_color=\u00a0\u00bb#8ac7ef\u00a0\u00bb toggle_icon=\u00a0\u00bb&#x33;||divi||400&Prime; open_icon_color=\u00a0\u00bb#000000&Prime; open_toggle_icon=\u00a0\u00bb&#x32;||divi||400&Prime; disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb admin_label=\u00a0\u00bbProgramm &#8211; Detail\u00a0\u00bb module_id=\u00a0\u00bbprogramm-detail\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_level=\u00a0\u00bbh3&Prime; text_orientation=\u00a0\u00bbleft\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<table>\n<tbody>\n<tr>\n<td>XX.XX Uhr<\/td>\n<td>\n<h5>Art<\/h5>\n<h4 class=\"sf-h4\">Programmpunkt 1<\/h4>\n<p>Person<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>XX.XX Uhr<\/td>\n<td>\n<h5>Art<\/h5>\n<h4 class=\"sf-h4\">Programmpunkt 2<\/h4>\n<p>Person<\/p>\n<ul>\n<li>Punkt 1<\/li>\n<li>Punkt 2<\/li>\n<li>Punkt 3<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>XX.XX Uhr<\/td>\n<td>\n<h5>Art<\/h5>\n<h4 class=\"sf-h4\">Programmpunkt 3<\/h4>\n<p>Person<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/et_pb_toggle][sfdm_event_program_list use_switcher=\u00a0\u00bboff\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbProgramm &#8211; Detail Neu\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][sfdm_event_program_list_item backend_title=\u00a0\u00bbBegr\u00fcssungskaffee f\u00fcr Pr\u00e4senzteilnehmende\u00a0\u00bb subtitle=\u00a0\u00bb08:30 &#8211; 09:00 Begr\u00fcssungskaffee f\u00fcr Pr\u00e4senzteilnehmende\u00a0\u00bb type=\u00a0\u00bbbreak\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbBegr\u00fcssung durch die Tagungsleitung\u00a0\u00bb title=\u00a0\u00bbBegr\u00fcssung durch die Tagungsleitung\u00a0\u00bb start_time=\u00a0\u00bb09:00&Prime; end_time=\u00a0\u00bb09:05&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Dr. <span class=%22field-content%22>Ruth Bloch-Riemer <\/span><\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbGenerationen B, X\u2013 Z: Alle unter einem Firmendach &#8211; eine Auslegeordnung\u00a0\u00bb title=\u00a0\u00bbGenerationen B, X\u2013 Z: Alle unter einem Firmendach &#8211; eine Auslegeordnung\u00a0\u00bb subtitle=\u00a0\u00bbKeynote\u00a0\u00bb start_time=\u00a0\u00bb09:05&Prime; end_time=\u00a0\u00bb09:45&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Daniella L\u00fctzelschwab<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"field field-name-body field-type-text-with-summary field-label-hidden\">\n<div class=\"field-items\">\n<div class=\"field-item even\">\n<ul>\n<li>Generationen von Erwerbst\u00e4tigen treffen an der Arbeit aufeinander.<\/li>\n<li>Die Kandidatensuche \u2013 eine Herausforderung f\u00fcr viele Arbeitgeber!<\/li>\n<li>Arbeitszeitmodelle: Was gibt es und was ist \u00fcblich? \u00a0Eine Einsch\u00e4tzung.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbFlexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen\u00a0\u00bb title=\u00a0\u00bbFlexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen\u00a0\u00bb subtitle=\u00a0\u00bbReferat &#8211; Teil 1&Prime; start_time=\u00a0\u00bb09:45&Prime; end_time=\u00a0\u00bb10:15&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Roberta Papa, Evelyn Schilter und Carmela Wyler-Schmelzer<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"field field-name-body field-type-text-with-summary field-label-hidden\">\n<div class=\"field-items\">\n<div class=\"field-item even\">\n<ul>\n<li>\u00a0\u00dcberblick \u00fcber die aktuellen M\u00f6glichkeiten zur Strukturierung des Altersr\u00fccktritts<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbKaffeepause\u00a0\u00bb subtitle=\u00a0\u00bb10:15 &#8211; 10:45 Kaffeepause\u00a0\u00bb type=\u00a0\u00bbbreak\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbFlexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen\u00a0\u00bb title=\u00a0\u00bbFlexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen\u00a0\u00bb subtitle=\u00a0\u00bbReferat &#8211; Teil 2&Prime; start_time=\u00a0\u00bb10:45&Prime; end_time=\u00a0\u00bb11:15&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Roberta Papa, Evelyn Schilter und Carmela Wyler-Schmelzer<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"field field-name-body field-type-text-with-summary field-label-hidden\">\n<div class=\"field-items\">\n<div class=\"field-item even\">\n<ul>\n<li>Umsetzungsfragen, Fallbeispiele und Herausforderungen in der Praxis<\/li>\n<li>Sicht Mitarbeitende und Ausblick<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbAktuarische Aspekte des flexiblen Pensionierungsalters \u00a0\u00bb title=\u00a0\u00bbAktuarische Aspekte des flexiblen Pensionierungsalters \u00a0\u00bb subtitle=\u00a0\u00bbReferat\u00a0\u00bb start_time=\u00a0\u00bb11:15&Prime; end_time=\u00a0\u00bb12:00&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Balint Keser\u00fc<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"field field-name-body field-type-text-with-summary field-label-hidden\">\n<div class=\"field-items\">\n<div class=\"field-item even\">\n<ul>\n<li>Wie baut sich das Vorsorgeguthaben rechnerisch auf?<\/li>\n<li>Welche Auswirkung hat der fr\u00fchzeitige Exit?<\/li>\n<li>Was empfiehlt der versicherungstechnische Spezialist aus Sicht der VE und des Betroffenen?<\/li>\n<li>Kostenseite der Unternehmung? Korrelation mit Halten von Fachkr\u00e4ften?<\/li>\n<li>Branchenspezifische Aussage? Handwerk vs. B\u00fcrojobs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbFragerunde\u00a0\u00bb title=\u00a0\u00bbFragerunde\u00a0\u00bb start_time=\u00a0\u00bb12:00&Prime; end_time=\u00a0\u00bb12:15&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Referierende des Vormittags<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbMittagspause\u00a0\u00bb subtitle=\u00a0\u00bb12:15 &#8211; 13:15 Mittagspause\u00a0\u00bb type=\u00a0\u00bbbreak\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbRekapitulation des Vormittags \/ Szenarien\u00a0\u00bb title=\u00a0\u00bbRekapitulation des Vormittags \/ Szenarien\u00a0\u00bb subtitle=\u00a0\u00bbImpuls\u00a0\u00bb start_time=\u00a0\u00bb13:15&Prime; end_time=\u00a0\u00bb13:25&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Dr. Ruth Bloch-Riemer<\/p>\n<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbSteuerliche Aspekte im Hinblick auf die Pensionierung\u00a0\u00bb title=\u00a0\u00bbSteuerliche Aspekte im Hinblick auf die Pensionierung\u00a0\u00bb subtitle=\u00a0\u00bbReferat\u00a0\u00bb start_time=\u00a0\u00bb13:25&Prime; end_time=\u00a0\u00bb14:30&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Andr\u00e9 B\u00e4nziger und Dr. Peter Lang<\/p>\n<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"field field-name-body field-type-text-with-summary field-label-hidden\">\n<div class=\"field-items\">\n<div class=\"field-item even\">\n<ul>\n<li>Steuerliche Behandlung des neu regulierten schrittweisen Altersr\u00fccktritts<\/li>\n<li>Eink\u00e4ufe und zeitnaher Kapitalbezug \u2013 wo liegen die Grenzen zum Missbrauch?<\/li>\n<li>Vorsorgepl\u00e4ne von personenbezogenen Gesellschaften \u2013 fiskalische Anerkennung und steuerrechtliche Korrekturen<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbKaffeepause\u00a0\u00bb subtitle=\u00a0\u00bb14:30 &#8211; 15:00 Kaffeepause\u00a0\u00bb type=\u00a0\u00bbbreak\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbDie Perspektive der Betroffenen\u00a0\u00bb title=\u00a0\u00bbDie Perspektive der Betroffenen\u00a0\u00bb subtitle=\u00a0\u00bbPanel\u00a0\u00bb start_time=\u00a0\u00bb15:00&Prime; end_time=\u00a0\u00bb16:00&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Dr. Anthony Cerquone, Simon Heim und Reto Spring<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul>\n<li>Was bedeutet Fr\u00fch- und Teilpensionierung aus Sicht der VE? Unterschiede und Gemeinsamkeiten aus Sicht verschiedener Typen von Vorsorgeeinrichtungen; Entwicklungen<\/li>\n<li>Fr\u00fch- und Teilpensionierung: welche Unterschiede ergeben sich aus finanzplanerischer Sicht? Welche Rolle spielen Eink\u00e4ufe und die S\u00e4ule 3a, welche weitere Auswirkungen, bspw. mit Blick auf Hypotheken, neue Lebensentw\u00fcrfe \/ Finanzbedarf u. U. sp\u00e4ter im Leben, sind relevant?<\/li>\n<li>Fr\u00fch- und Teilpensionierung: Auswirkungen auf die Struktur der Belegschaft \/ Sicht der Unternehmung und HR? Auswirkungen im Zusammenhang mit Fachkr\u00e4ftemangel (loss of know how)? Oder werden erfahrene Leute \u00ab\u00a0frei\u00a0\u00bb und anderweitig einsetzbar (VR, Interim Management, als Consultant)?<\/li>\n<\/ul>\n<p>[\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbReflexion und Ausblick\u00a0\u00bb title=\u00a0\u00bbReflexion und Ausblick\u00a0\u00bb subtitle=\u00a0\u00bbReferat\u00a0\u00bb start_time=\u00a0\u00bb16:00 \u00a0\u00bb end_time=\u00a0\u00bb16:30&Prime; speakers=\u00a0\u00bb<\/p>\n<p><span class=%22field-content%22>Prof. Dr. Kurt P\u00e4rli<\/span><\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbKey Take Aways und Fazit\u00a0\u00bb title=\u00a0\u00bbKey Take Aways und Fazit\u00a0\u00bb start_time=\u00a0\u00bb16:30&Prime; end_time=\u00a0\u00bb16:45&Prime; speakers=\u00a0\u00bb<\/p>\n<p>Dr. Ruth Bloch-Riemer<\/p>\n<p>\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][sfdm_event_program_list_item backend_title=\u00a0\u00bbAp\u00e9ro\u00a0\u00bb subtitle=\u00a0\u00bb16:45 &#8211; 18:00 Ap\u00e9ro\u00a0\u00bb type=\u00a0\u00bbbreak\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_event_program_list_item][\/sfdm_event_program_list][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb admin_label=\u00a0\u00bbAnzeigen (Mobile)\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code disabled_on=\u00a0\u00bboff|off|on\u00a0\u00bb admin_label=\u00a0\u00bbAnzeige(n) (MOBILE)\u00a0\u00bb module_class=\u00a0\u00bbschulthess_product_ads\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=\u00a0\u00bbReferenten\u00a0\u00bb module_id=\u00a0\u00bbschulthess-referierende\u00a0\u00bb module_class=\u00a0\u00bbschulthess-referenten-slider\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbHeadline\u00a0\u00bb module_class=\u00a0\u00bbsf-h3 schulthess-product-speaker-headline-wrapper\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h5>Referierende<\/h5>\n<p><!--div class=\"buttons\"><button class=\"grid icon_grid\"><span><\/span><\/button><button class=\"list icon_list\"><span><\/span><\/button><\/div-->[\/et_pb_text][et_pb_code _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<div class=\"sf-speaker-slider\"><div class=\"uk-position-relative uk-visible-toggle uk-light\" tabindex=\"-1\"><ul class=\"uk-grid-small uk-child-width-1-4@s uk-child-width-1-4@m uk-child-width-1-4@l\" uk-grid uk-height-match=\"target: > li > .uk-card\">\n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-13742\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Bloch-Riemer_Ruth_200x242px-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        <div class=\"uk-label referenten-tagesleitung\">Direction de la journ\u00e9e<\/div>\n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\">Dr.  Ruth Bloch-Riemer<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18606\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Baenziger_Andre_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Andr\u00e9 B\u00e4nziger<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18467\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Cerquone_Anthony_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\">Dr.  Anthony Cerquone<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18463\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Heim_Simon_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Simon Heim<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18454\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/BeruflicheVors22_Referenten_200x242px_Kesserue-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> B\u00e1lint Keser\u0171<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18459\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Lang_Peter_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\">Dr.  Peter Lang<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18446\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"165\" height=\"200\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Luetzelschwab_Daniella_165x200px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Daniella L\u00fctzelschwab<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18548\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Papa_Roberta_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Roberta Papa<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-19078\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Paerli_Kurt_200x242.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\">Prof. Dr. Kurt P\u00e4rli<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18562\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Schilter_Evelyn_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Evelyn Schilter<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18472\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Spring_Reto_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Reto Spring<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            \n\n            <li>\n                <div class=\"uk-card uk-card-default\">\n                    <a href=\"#referent-18450\" uk-toggle>\n                    <div class=\"uk-card-media-top\">\n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/BeruflicheVors22_Referenten_200x242px_Wyler-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                        \n                    <\/div>\n                    <div class=\"uk-card uk-card-body\">\n                        <h4 class=\"speaker-card-name cardslider-card-name\"> Carmela Wyler-Schmelzer<\/h4>\n                    <\/div>\n                    <\/a>\n                <\/div>\n            <\/li>\n            <\/ul><\/div>\n        <div id=\"referent-13742\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        <div class=\"uk-card-badge uk-label referenten-tagesleitung\">Direction de la journ\u00e9e<\/div>\n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Bloch-Riemer_Ruth_200x242px-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\">Dr.  Ruth Bloch-Riemer<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">Dr. iur., Rechtsanw\u00e4ltin, dipl. Steuerexpertin, Partnerin\r\n<\/span> <span class=\"referenten-company\">B\u00e4r & Karrer<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Ruth Bloch-Riemer ist spezialisiert auf schweizerische und internationale steuerrechtliche Sachverhalte. Ein Schwerpunkt ihrer T\u00e4tigkeit liegt in der Beratung und Betreuung von schweizerischen und ausl\u00e4ndischen verm\u00f6genden Privatpersonen und Unternehmern in allen steuerrechtlichen Belangen, nebst den Bereichen Verm\u00f6gens- und Nachlassplanung insbesondere in Bezug auf Fragen im Bereich der nationalen und internationalen Planung und Koordination ihrer beruflichen Vorsorge und Sozialversicherung.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18450);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18606);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18606\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Baenziger_Andre_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Andr\u00e9 B\u00e4nziger<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic.iur. Rechtsanwalt, Juristischer Sekret\u00e4r, Rechtsdienst <\/span> <span class=\"referenten-company\">Steueramt Kanton Z\u00fcrich<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Andr\u00e9 B\u00e4nziger bearbeitet im Rechtsdienst des kantonalen Steueramts seit vielen Jahren Fragen zur beruflichen Vorsorge und vertritt den Kanton Z\u00fcrich in der Schweizerischen Steuerkonferenz SSK in der Arbeitsgruppe Vorsorge.<br \/>\nEr ist weiter in der Schulung und als Referent t\u00e4tig, intern f\u00fcr die Steuerbeh\u00f6rden im Kanton und in den Gemeinden und extern auch f\u00fcr private Fachseminare im Bereich Vorsorge und Steuern.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 13742);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18467);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18467\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Cerquone_Anthony_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\">Dr.  Anthony Cerquone<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">PhD Theology, Senior HR Consultant & Partner<\/span> <span class=\"referenten-company\">PROCED<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Anthony ist ein Senior-HR-Professional mit mehr als f\u00fcnfundzwanzig Jahren Erfahrung in allen Bereichen des Personalwesens. Er startete seine Karriere bei Credit Suisse, wo er zun\u00e4chst als Bereichspersonalleiter und sp\u00e4ter als Ressort Head Development und Assessment Services arbeitete. In jener Rolle war er weltweit zust\u00e4ndig f\u00fcr die Bereiche Talent Management, Personalentwicklung und Assessments. Sp\u00e4ter ging er f\u00fcr acht Jahre zu Novartis und leitete Talent Management und Organisationsentwicklung auf Konzernebene. 2010 stiess zu UBS, zuerst als Global Head HR f\u00fcr Wealth Management und dann sp\u00e4ter als Global Head Talent &#038; Development, wo er wiederum auf Konzernebene f\u00fcr Leadership-Entwicklung, Talent Management und Personalentwicklung zust\u00e4ndig war. Seit September 2021 ist er als Senior HR Consultant &#038; Partner bei PROCED, GmbH unterwegs. Seine Leidenschaft gilt der Entwicklung der Organisation sowie den Mitarbeitenden durch den ganzen HR-Lifecycle, d.h., von Beschaffung bis zum Austritt aus der Firma. Er besitzt einen Universit\u00e4tsabschluss in Physik und promovierte in Theologie. <\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18606);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18463);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18463\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Heim_Simon_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Simon Heim<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic. iur., Leiter Rechtsdienst Berufliche Vorsorge und Soziale Sicherheit, stellvertretender Direktor,<\/span> <span class=\"referenten-company\">Swiss Life AG<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>\nSimon Heim leitet den Rechtsdienst Berufliche Vorsorge und Soziale Sicherheit bei der Swiss Life AG. Neben der fachlichen und organisatorischen F\u00fchrung des operativen Rechtsdienstes besch\u00e4ftigt er sich mit regulatorischen und strategischen Rechtsfragen im Bereich der beruflichen Vorsorge und der Kollektivlebensversicherung. Vor seiner T\u00e4tigkeit bei Swiss Life war er als Berater bei einem globalen Beratungsunternehmen t\u00e4tig. Beratungsschwerpunkte bildeten die Konzeption und Gestaltung von Vorsorgel\u00f6sungen sowie Strukturanpassungen von Vorsorgeeinrichtungen. Simon Heim \u00fcbt verschiedene Lehrt\u00e4tigkeiten aus, unter anderem am Diplomlehrgang f\u00fcr Experten f\u00fcr berufliche Vorsorge sowie am Diplomlehrgang f\u00fcr Steuerexperten. Er h\u00e4lt zudem regelm\u00e4ssig Vortr\u00e4ge und publiziert zu personalvorsorgerechtlichen Themen.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18467);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18454);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18454\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/BeruflicheVors22_Referenten_200x242px_Kesserue-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> B\u00e1lint Keser\u0171<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">Msc., Eidg. dipl. Pensionsversicherungsexperte, Principal Consultant, Head of Retirement Z\u00fcrich<\/span> <span class=\"referenten-company\">Aon Schweiz<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>B\u00e1lint Keser\u0171 arbeitet seit dem Jahr 2006 im Bereich der beruflichen Vorsorge, und leitet seit 1. Dezember 2018 das Retirement Team in Z\u00fcrich. Er ist Mitglied des Management Teams von Aon Schweiz Retirement &#038; Investment und als Pensionsversicherungsexperte verantwortlich f\u00fcr die Betreuung von autonomen Pensionskassen von nationalen und internationalen Unternehmungen. Er betreut zudem Mandate f\u00fcr die internationale Rechnungslegung von Vorsorgeverpflichtungen (IAS 19 \/ US-GAAP).<br \/>\nSeine T\u00e4tigkeit umfasst die Gesamtberatung bei Fragen der beruflichen Vorsorge. Er unterst\u00fctzt Vorsorgeeinrichtungen sowie nationale und multinationale Firmen bei Fragenstellungen im juristischen und aktuariellen Bereich.<br \/>\nB\u00e1lint Keser\u0171 hat 2006 an der Corvinus Universit\u00e4t in Budapest ein Studium in \u00d6konomie und Versicherungsmathematik abgeschlossen. 2015 hat er das Diplom des Pensionsversicherungsexperten erlangt. Er ist Mitglied der Schweizerischen Kammer der <\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18463);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18459);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18459\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Lang_Peter_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\">Dr.  Peter Lang<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">Dr. iur., dipl. Steuerexperte, Group Head of Taxation \r\n\r\n<\/span> <span class=\"referenten-company\">Swiss Life<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Peter Lang ist seit 2009 bei der Swiss Life Gruppe t\u00e4tig und hat heute die Funktion des Group Head of Taxation inne. Er ist Vorsitzender der Steuerkommission Leben des Schweizerischen Versicherungsverbandes SVV und vertritt denselben auch in der Kommission Finanzen und Steuern von economiesuisse. Zuvor war er als Beauftragter f\u00fcr Steuerfragen beim SVV sowie als Steuerberater in der Finanzindustrie t\u00e4tig.<br \/>\nEr studierte Betriebswirtschaftslehre an der HSG (1993) und promovierte an der Universit\u00e4t Basel zum Dr. iur. (2010). Seine Doktorarbeit schrieb er \u00fcber die private Rentenversicherung der S\u00e4ule 3b im Einkommens- und Verm\u00f6genssteuerrecht. Seit 1998 ist er dipl. Steuerexperte. Er hat einen Lehrauftrag f\u00fcr Steuerrecht der nat\u00fcrlichen Personen an der Universit\u00e4t Luzern inne. Peter Lang verfasste zahlreiche Fachpublikationen im Themenbereich \u00abVorsorge und Steuern\u00bb (Fachzeitschriften, juristische Kommentare) und ist als Referent an Fachseminaren t\u00e4tig.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18454);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18446);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18446\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"165\" height=\"200\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Luetzelschwab_Daniella_165x200px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Daniella L\u00fctzelschwab<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic. iur., Mitglied der Gesch\u00e4ftsleitung, Leiterin Ressort Arbeitsmarkt und Arbeitsrecht, <\/span> <span class=\"referenten-company\">Schweizerischer Arbeitgeberverband<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Daniella L\u00fctzelschwab ist Leiterin Ressort Arbeitsmarkt und Arbeitsrecht beim Schweizerischen Arbeitgeberverband, welcher rund 90 Branchen- und regionale Verb\u00e4nde vertritt. Als Mitglied der Gesch\u00e4ftsleitung ist sie verantwortlich f\u00fcr alle Rechtsfragen und arbeitgeberrelevanten politischen Themen rund um den Arbeitsmarkt. Als Vertreterin des Schweizerischen Arbeitgeberverbandes hat sie auch an den Treffen der Expertengruppe zur Umsetzung von Art. 121a BV bzw. der Masseneinwanderungsinitiative teilgenommen, aus welcher die heutige Stellenmeldepflicht hervorgegangen ist.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18459);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18548);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18548\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Papa_Roberta_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Roberta Papa<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic. iur., Rechtsanw\u00e4ltin, eidg. dipl. Sozialversicherungsexpertin, Fachanw\u00e4ltin SAV Arbeitsrecht, Partnerin, \r\n\r\n<\/span> <span class=\"referenten-company\">Blesi & Papa<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Roberta Papa studierte an der Universit\u00e4t Z\u00fcrich und schloss ihr Studium im Jahr 2001 ab. Seit 2003 ist sie als Anw\u00e4ltin t\u00e4tig. 2008 bildete sie sich zur eidg. dipl. Sozialversicherungsexpertin und 2009 zur Fachanw\u00e4ltin SAV Arbeitsrecht weiter.<br \/>\nRoberta Papa ist seit 2007 Partnerin und Gr\u00fcndungsmitglied der auf Arbeits- und Sozialversicherungsrecht spezialisierten Anwaltskanzlei Blesi &#038; Papa. Davor arbeitete sie mehrere Jahre als Anw\u00e4ltin bei einer f\u00fchrenden, international t\u00e4tigen Wirtschaftskanzlei in Z\u00fcrich.<br \/>\nRoberta Papa ber\u00e4t national und international t\u00e4tige Unternehmen und Kaderpersonen zu allen Fragen des Arbeitsrechts und der damit zusammenh\u00e4ngenden sozialversicherungsrechtlichen Aspekte. Als Mitglied von Ius Laboris, der globalen Allianz f\u00fchrender Arbeitsrechtskanzleien, ber\u00e4t Roberta Papa auch regelm\u00e4ssig im internationalen Kontext, insbesondere zu Entsendungen, grenz\u00fcberschreitenden Ansiedlungen und den sozialversicherungsrechtlichen Implikationen der internationalen Mobilit\u00e4t. Neben ihrer anwaltlichen T\u00e4tigkeit referiert und publiziert Roberta Papa zu arbeits- und sozialversicherungsrechtlichen Themen. <\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18446);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 19078);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-19078\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Paerli_Kurt_200x242.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\">Prof. Dr. Kurt P\u00e4rli<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">Prof. Dr. iur., Forschungsdekan <\/span> <span class=\"referenten-company\">Juristischen Fakult\u00e4t Universit\u00e4t Basel<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Seit Februar 2016 ist Kurt P\u00e4rli Professor f\u00fcr Soziales Privatrecht an der Juristischen Fakult\u00e4t der Universit\u00e4t Basel und unter anderem Leiter der Forschungsstelle f\u00fcr Kollektives Arbeitsrecht und Mitwirkung KOAMI. In seiner Forschungst\u00e4tigkeit besch\u00e4ftigt er sich mit den vielf\u00e4ltigen rechtlichen Fragen der Arbeit, des Arbeitsverh\u00e4ltnisses und der Arbeitswelt.  Kurt P\u00e4rli ist Pr\u00e4sident der im 2017 gegr\u00fcndeten Schweizer Sektion \u00ab\u00a0International Society for Labour Law and Social Security Law\u00a0\u00bb.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18548);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18562);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18562\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Schilter_Evelyn_200x242_px.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Evelyn Schilter<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic. iur., LL.M., Rechtsanw\u00e4ltin, Head of Legal Retirement, <\/span> <span class=\"referenten-company\">Towers Watson AG (WTW)<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Evelyn Schilter hat an der Universit\u00e4t Bern studiert und 2001 das Anwaltspatent des Kantons Bern erworben. Sie war anschliessend w\u00e4hrend rund 13 Jahren als Rechtsanw\u00e4ltin bei Niederer Kraft &#038; Frey AG, Z\u00fcrich und w\u00e4hrend rund 5 Jahren als Legal Counsel der Schindler Gruppe in Hergiswil t\u00e4tig. Seit 2018 leitet sie die Rechtsberatung und Gesch\u00e4ftsf\u00fchrung Pensionskassen bei WTW und zeichnet mitverantwortlich f\u00fcr das Vorsorgegesch\u00e4ft von WTW in der Schweiz. Evelyn Schilter betreut sowohl Vorsorgeeinrichtungen als auch Arbeitgeber in Rechtsfragen der beruflichen Vorsorge und angrenzenden Rechtsgebieten. Insbesondere befasst sie sich mit der rechtlichen Begleitung von Umstrukturierungen, der Erstellung und Anpassung von Reglementen, der Erstellung von Gutachten, der Bearbeitung komplexer Rechtsfragen sowie der Umsetzung von neuen regulatorischen Anforderungen und vertritt die Kunden auch vor Beh\u00f6rden und Gerichten. Evelyn Schilter publiziert und referiert regelm\u00e4ssig zu verschiedenen Themen aus ihrer T\u00e4tigkeit.  <\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 19078);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18472);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18472\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/Spring_Reto_200x242_px.png\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Reto Spring<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">Dipl. Finanzplanungsexperte NDS HF, CFP\u00ae, Pr\u00e4sident <\/span> <span class=\"referenten-company\">FinanzPlaner Verband Schweiz<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>\u201eGeld dann haben, wenn man es braucht\u201c &#8211; Das ist die k\u00fcrzeste Definition von Finanzplanung.<br \/>\nReto Spring ist ausgewiesener Experte und Dozent f\u00fcr Finanzplanung und verf\u00fcgt \u00fcber 20 Jahre Vertriebserfahrung von Retail bis Highend. Er war 14 Jahre f\u00fcr die Swiss Life t\u00e4tig, 7 Jahre selbst\u00e4ndiger Berater f\u00fcr \u00c4rzte und Unternehmer und arbeitet aktuell f\u00fcr die Raiffeisenbank.<\/p>\n<p>Seit Jahren setzt sich Reto Spring als Publizist und Finfluencer f\u00fcr finanzielle Aufkl\u00e4rung ein und ist als Speaker f\u00fcr Impuls- und Fachvortr\u00e4ge gefragt. Sein Motto: \u201eJung sterben, aber so sp\u00e4t wie m\u00f6glich!\u201c<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18562);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 18450);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        \n        <div id=\"referent-18450\" class=\"referent-modal uk-flex-top\" uk-modal>\n            <div class=\"uk-modal-dialog uk-margin-auto-vertical\">\n                <button class=\"uk-modal-close-default\" type=\"button\" uk-close><\/button>\n                <div class=\"uk-grid-small\" uk-grid>\n                    <div class=\"uk-width-auto@m\">\n                        \n                        <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"242\" src=\"https:\/\/dev.schulthessforum.ch\/wp-content\/media\/BeruflicheVors22_Referenten_200x242px_Wyler-200x242.jpg\" class=\"attachment-schulthess_speaker size-schulthess_speaker wp-post-image\" alt=\"\" title=\"\">\n                    <\/div>\n                    <div class=\"uk-width-expand@m\">\n                        <h4 class=\"uk-modal-title\"> Carmela Wyler-Schmelzer<\/h4>\n                        <p class=\"referent-info\"><span class=\"referenten-position\">lic.iur., Rechtsanw\u00e4ltin, Senior Legal Consultant, Retirement<\/span> <span class=\"referenten-company\">Towers Watson AG (WTW)<\/span><\/p>\n                        <p class=\"referent-kurzbeschreibung\"><p>Carmela Wyler-Schmelzer hat an der Universit\u00e4t Z\u00fcrich studiert und 2000 das Anwaltspatent erworben. Sie war anschliessend w\u00e4hrend mehr als zehn Jahren in der Rechtsabteilung von EY t\u00e4tig. Zwischen 2012 und 2020 arbeitete sie als Rechtsanw\u00e4ltin in einer auf berufliche Vorsorge spezialisierten Anwaltskanzlei. Seit 2020 ist Carmela Wyler-Schmelzer als Senior Legal Consultant bei WTW im Bereich Retirement, Legal angestellt und betreut sowohl Vorsorgeeinrichtungen als auch Arbeitgeber im Zusammenhang mit diversen Rechtsfragen der beruflichen Vorsorge. Insbesondere befasst sie sich mit der rechtlichen Begleitung von Umstrukturierungen, der Erstellung und Anpassung von Reglementen, der Bearbeitung komplexer Rechtsfragen aus der Praxis sowie der Umsetzung von neuen regulatorischen Anforderungen. Carmela Wyler-Schmelzer publiziert regelm\u00e4ssig als Co-Autorin verschiedene Beitr\u00e4ge im Bereich der beruflichen Vorsorge, beispielsweise zu Fragen bei der \u00dcbertragung von Rentnerbest\u00e4nden oder zu Entwicklungen in der beruflichen Vorsorge. Carmela Wyler-Schmelzer sch\u00e4tzt besonders die interdisziplin\u00e4re Zusammenarbeit, welche eine ganzheitliche Beratung der Kunden erm\u00f6glicht.<\/p>\n<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"uk-modal-footer card-arrows uk-text-right\">\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-prev\" onclick=\"navigateReferent('prev', 18472);\"><\/button>\n                    <button href=\"javascript:void(0);\" class=\"card-arrow-next\" onclick=\"navigateReferent('next', 13742);\"><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n      <script>\n          function navigateReferent(direction, currentID) {\n              var speakers = [13742,18606,18467,18463,18454,18459,18446,18548,19078,18562,18472,18450];\n              var currentIndex = speakers.indexOf(currentID);\n\n              if (direction === \"prev\") {\n                  currentIndex = (currentIndex + speakers.length) % speakers.length;\n              } else if (direction === \"next\") {\n                  currentIndex = (currentIndex ) % speakers.length;\n              }\n\n              var targetID = speakers[currentIndex];\n              var targetModal = document.getElementById(\"referent-\" + targetID);\n              UIkit.modal(targetModal).show();\n          }\n      <\/script>\n        <script>\n            document.addEventListener(\"DOMContentLoaded\", function() {\n                const modalLinks = document.querySelectorAll(\"[uk-toggle]\");\n                const pageContainer = document.getElementById(\"page-container\");\n\n                \/\/ Neues <div> Element erstellen\n                const newDiv = document.createElement(\"div\");\n                newDiv.className = \"referenten-modal-background\";\n\n                \/\/ Das neue <div> dem Element mit der ID \"page-container\" hinzuf\u00fcgen\n                pageContainer.insertBefore(newDiv, pageContainer.firstChild);\n\n                const referentenModalBackground = document.querySelector(\".referenten-modal-background\");\n\n                modalLinks.forEach(link => {\n                    link.addEventListener(\"click\", function(event) {\n                        event.preventDefault();\n                        referentenModalBackground.classList.add(\"referenten-modal-open\");\n                    });\n                });\n\n                const modals = document.querySelectorAll(\".referent-modal\");\n                modals.forEach(modal => {\n                    modal.addEventListener(\"click\", function(event) {\n                        if (event.target === modal) {\n                            referentenModalBackground.classList.remove(\"referenten-modal-open\");\n                        }\n                    });\n                });\n\n                const closeModalButtons = document.querySelectorAll(\".uk-modal-close-default\");\n                closeModalButtons.forEach(button => {\n                    button.addEventListener(\"click\", function() {\n                        referentenModalBackground.classList.remove(\"referenten-modal-open\");\n                    });\n                });\n\n                \/\/ Funktion, um die Klasse zu entfernen\n                function closeModal() {\n                    referentenModalBackground.classList.remove(\"referenten-modal-open\");\n                }\n\n                \/\/ Event Listener f\u00fcr das Dr\u00fccken der Esc-Taste\n                document.addEventListener(\"keydown\", function(event) {\n                    if (event.key === \"Escape\") {\n                        closeModal();\n                    }\n                });\n            });\n        <\/script>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=\u00a0\u00bbFachthemen\u00a0\u00bb module_id=\u00a0\u00bbschulthess-product-specinfo\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bb\u00dcberschrift\u00a0\u00bb module_id=\u00a0\u00bbschulthess-fachinformationen\u00a0\u00bb module_class=\u00a0\u00bbsf-h2&Prime; _builder_version=\u00a0\u00bb4.19.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h5>Fachthemen<\/h5>\n<p>[\/et_pb_text][et_pb_code _builder_version=\u00a0\u00bb4.19.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]\n  <div class=\"sf-post-list\">\n\n    \n      \n              <div class=\"sf-full-width-row\">\n                <article class=\"sf-post-list-item sf-post-list-item-18495 et_pb_column_1_3 et_pb_column\">\n              <a href=\"https:\/\/dev.schulthessforum.ch\/fachbeitrag\/generationen-b-x-z-alle-unter-einem-firmendach-eine-auslegeordnung\/\" target=\"_blank\" rel=\"nofollow noopener\" title=\"Generationen B, X\u2013 Z: Alle unter einem Firmendach - eine Auslegeordnung\">\n              <div class=\"sf-post-list-item-content-wrapper\">\n                  <div class=\"sf-post-list-item-content\">\n                                            <h3 class=\"fachbeitrag-autor\">\n                          Daniella L\u00fctzelschwab                      <\/h3>\n                                            <div clasS=\"sf-post-list-item-title-wrapper\">\n                        <h3 class=\"sf-post-list-item-title\">\n                            Generationen B, X\u2013 Z: Alle unter einem Firmendach - eine Auslegeordnung                        <\/h3>\n                      <\/div>\n                      <div class=\"sf-post-list-item-excerpt\">\n                          Seit jeher wechseln sich laufend verschiedene Generationen von Erwerbst\u00e4tigen auf dem Arbeitsmarkt ab. Heute spricht man viel von der Generation Z und \u00fcber ihre Erwartungen an die Unternehmen. Ist das gerechtfertigt und was ist mit den anderen Generationen von Erwerbst\u00e4tigen?\nEin Bericht aus dem ...                      <\/div>\n                  <\/div>\n\n              <\/div>\n              <\/a>\n          <\/article>\n            \n  \n      \n                <article class=\"sf-post-list-item sf-post-list-item-18551 et_pb_column_1_3 et_pb_column\">\n              <a href=\"https:\/\/dev.schulthessforum.ch\/fachbeitrag\/flexibler-altersruecktritt-moeglichkeiten-konsequenzen-und-herausforderungen\/\" target=\"_blank\" rel=\"nofollow noopener\" title=\"Flexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen\">\n              <div class=\"sf-post-list-item-content-wrapper\">\n                  <div class=\"sf-post-list-item-content\">\n                                            <h3 class=\"fachbeitrag-autor\">\n                          Roberta Papa, Evelyn Schilter und Carmela Wyler                      <\/h3>\n                                            <div clasS=\"sf-post-list-item-title-wrapper\">\n                        <h3 class=\"sf-post-list-item-title\">\n                            Flexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen                        <\/h3>\n                      <\/div>\n                      <div class=\"sf-post-list-item-excerpt\">\n                          Ausgehend von den Neuerungen im Zuge der AHV 21-Reform geben die Referentinnen einen \u00dcberblick \u00fcber die aktuellen M\u00f6glichkeiten zur Strukturierung des Altersr\u00fccktritts. Die erweiterte Flexibilisierung wird aus vorsorge- und arbeitsrechtlicher Perspektive dargelegt. Dabei werden auch Umsetzungsfr...                      <\/div>\n                  <\/div>\n\n              <\/div>\n              <\/a>\n          <\/article>\n              <\/div>\n            \n  <\/div>\n\n  [\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbTermin &#8211; Info\u00a0\u00bb module_class=\u00a0\u00bbdetail-info-sidebar-bg event-termin-info\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Termin \/ Format<\/h3>\n<p><span class=\"event-date-termin-info\">12.03.2024 | 09:00 - 16:45<\/span><br><span class=\"event-kategorie-termin-info\">Tagungen<\/span>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb admin_label=\u00a0\u00bbPreis &#8211; Info\u00a0\u00bb module_class=\u00a0\u00bbdetail-info-sidebar-bg\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<div class=\"sf-product-variant-detail-wrapper\" id=\"sf-product-variant-detail-wrapper\"><form action=\"https:\/\/dev.schulthessforum.ch\/fr\/warenkorb\/\" method=\"get\"><input type=\"hidden\" id=\"13734\" name=\"event\" value=\"13734\"><span class=\"anmeldebutton-wrapper\"><input class=\"et_pb_button et_pb_button_0 schulthess-buy-button single_add_to_cart_button button wp-element-button\" data-icon=\"9\" type=\"submit\" value=\"Inscription\"><span class=\"anmeldebutton-icon\"><\/span><\/span><\/form><\/div>[\/et_pb_text][et_pb_code disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbCredits &#8211; Info\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_code][et_pb_code disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbCicero &#8211; Info\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_code][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbRabatt &#8211; Info\u00a0\u00bb module_class=\u00a0\u00bbdetail-info-sidebar-bg\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Rabatt Info<\/h3>\n<p>15% Rabatt auf den regul\u00e4ren Preis bei Anmeldung von mehr als zwei Personen eines Unternehmens. Der Rabatt wird ab der 3. Anmeldung gew\u00e4hrt. Doppelrabattierungen werden nicht gew\u00e4hrt.<\/p>\n<p>[\/et_pb_text][et_pb_blurb title=\u00a0\u00bbTagungsleitung\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbTagungsleitung\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#efefef\u00a0\u00bb custom_padding=\u00a0\u00bb40px|40px|40px|40px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p><img decoding=\"async\" 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\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alt=\"\" title=\"\"><\/p>\n<p>Dr. Ruth Bloch-Riemer f\u00fchrt durch das Programm des Schulthess Forum Berufliche Vorsorge 2024.<\/p>\n<p>[\/et_pb_blurb][et_pb_text admin_label=\u00a0\u00bbAnreise &#8211; Info\u00a0\u00bb module_class=\u00a0\u00bbdetail-info-sidebar-bg\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Location \/ Anreise<\/h3>\n<span class=\"event-anreise-info-adresse\">Belvoir R\u00fcschlikon<br><\/span><br><span class=\"event-anreise-info-beschreibung\"><p><span class=\"bm_details_overlay\" tabindex=\"0\" data-detailsoverlay=\"{&quot;centerLatitude&quot;:47.30603790283203,&quot;centerLongitude&quot;:8.550298690795898,&quot;zoom&quot;:16,&quot;localDetailsState&quot;:{&quot;entityType&quot;:&quot;Business&quot;,&quot;launchOverflowTaskOnTaskActivate&quot;:false,&quot;query&quot;:&quot;Hotel Belvoir Swiss Quality&quot;,&quot;id&quot;:&quot;ypid:YN9003x11991463436694903382&quot;,&quot;disableComputingMapViewForLoadingOnly&quot;:true,&quot;formCode&quot;:&quot;MPSRPL&quot;,&quot;mapsEntryPointState&quot;:{&quot;answerService&quot;:&quot;EntityDataGroupAnswer&quot;,&quot;answerScenario&quot;:&quot;Local_HotelSingle_cdb:datagroupid.snapshotbullseye&quot;,&quot;segment&quot;:&quot;&quot;,&quot;region&quot;:&quot;Unknown&quot;,&quot;entryPoint&quot;:&quot;Details_Link&quot;}}}\">Saeumerstrasse 37<\/span><\/p>\n<p><span class=\"bm_details_overlay\" tabindex=\"0\" data-detailsoverlay=\"{&quot;centerLatitude&quot;:47.30603790283203,&quot;centerLongitude&quot;:8.550298690795898,&quot;zoom&quot;:16,&quot;localDetailsState&quot;:{&quot;entityType&quot;:&quot;Business&quot;,&quot;launchOverflowTaskOnTaskActivate&quot;:false,&quot;query&quot;:&quot;Hotel Belvoir Swiss Quality&quot;,&quot;id&quot;:&quot;ypid:YN9003x11991463436694903382&quot;,&quot;disableComputingMapViewForLoadingOnly&quot;:true,&quot;formCode&quot;:&quot;MPSRPL&quot;,&quot;mapsEntryPointState&quot;:{&quot;answerService&quot;:&quot;EntityDataGroupAnswer&quot;,&quot;answerScenario&quot;:&quot;Local_HotelSingle_cdb:datagroupid.snapshotbullseye&quot;,&quot;segment&quot;:&quot;&quot;,&quot;region&quot;:&quot;Unknown&quot;,&quot;entryPoint&quot;:&quot;Details_Link&quot;}}}\">8803 Rueschlikon<\/span><\/p>\n<p>Es stehen Parkpl\u00e4tze zur Verf\u00fcgung<\/p>\n<\/span>\n<p>[\/et_pb_text][et_pb_code disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb admin_label=\u00a0\u00bbAnzeige(n)\u00a0\u00bb module_class=\u00a0\u00bbschulthess_product_ads\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_code][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; specialty=\u00a0\u00bbon\u00a0\u00bb module_class_2=\u00a0\u00bbschulthess-product-attendee-section\u00a0\u00bb admin_label=\u00a0\u00bbInhalt mit Teilnehmerbereich\u00a0\u00bb module_id=\u00a0\u00bbschulthess-attendee-section\u00a0\u00bb module_class=\u00a0\u00bbschulthess-hidden\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb display_conditions=\u00a0\u00bbW3siaWQiOiI3NDc0ZmExMC0yZTg5LTQ3MDctYjM2Yi1iZDA3ZWJiMGZlZDEiLCJjb25kaXRpb24iOiJsb2dnZWRJblN0YXR1cyIsImNvbmRpdGlvblNldHRpbmdzIjp7ImRpc3BsYXlSdWxlIjoibG9nZ2VkSW4iLCJhZG1pbkxhYmVsIjoiQW5nZW1lbGRldGVyIFN0YXR1cyIsImVuYWJsZUNvbmRpdGlvbiI6Im9mZiJ9LCJvcGVyYXRvciI6Ik9SIn1d\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb3_4&Prime; specialty_columns=\u00a0\u00bb3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_row_inner admin_label=\u00a0\u00bbHeadline Teilnehmerbereich\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column_inner saved_specialty_column_type=\u00a0\u00bb3_4&Prime; _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.20.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h5>Teilnehmerbereich<\/h5>\n<p>[\/et_pb_text][sfdm_download_list _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][sfdm_download_list_item title=\u00a0\u00bbProgramm\u00a0\u00bb file=\u00a0\u00bbhttps:\/\/dev.schulthessforum.ch\/wp-content\/media\/01_00_Programm-7.pdf\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb link_option_url_new_window=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_download_list_item][sfdm_download_list_item title=\u00a0\u00bbReferierende_Themen\u00a0\u00bb file=\u00a0\u00bbhttps:\/\/dev.schulthessforum.ch\/wp-content\/media\/02_00_Referierende_Themen-2.pdf\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb link_option_url_new_window=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_download_list_item][sfdm_download_list_item title=\u00a0\u00bbGenerationen B X Z Alle unter einem Firmendach def. &#8211; eine Auslegeordnung_Daniella L\u00fctzelschwab\u00a0\u00bb file=\u00a0\u00bbhttps:\/\/dev.schulthessforum.ch\/wp-content\/media\/03_00_Generationen-B-X-Z-Alle-unter-einem-Firmendach-def.-eine-Auslegeordnung_Daniella-Luetzelschwab.pdf\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb link_option_url_new_window=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/sfdm_download_list_item][sfdm_download_list_item title=\u00a0\u00bbFlexibler Altersr\u00fccktritt \u2013 M\u00f6glichkeiten, Konsequenzen und Herausforderungen_Roberta Papa, Evelyne Schilter und Carmela Wyler-Schmelzer Teile 1 und 2&Prime; file=\u00a0\u00bbhttps:\/\/dev.schulthessforum.ch\/wp-content\/media\/04_00_Teil-1-und-2_Flexibler-Altersruecktritt-\u2013-Moeglichkeiten-Konsequenzen-und-Herausforderungen_Roberta-Papa-Evelyne-Schilter-und-Carmela-Wyler-Schmelzer.pdf\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb 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Insbesondere wurden die M\u00f6glichkeiten der vorzeitigen Pensionierung, des Rentenaufschubs und der Teilpensionierung erweitert. Die Flexibilisierungen und auch die anhaltende Diskussion um die Finanzierung der beruflichen Vorsorge \u00f6ffnen den Bogen weiter, hin zu einer Flexibilisierung der Lebensarbeitszeit\u00a0und Verbesserungen f\u00fcr Teilzeiterwerbst\u00e4tige &#8211; der Generationswechsel am Arbeitsmarkt, ein Mentalit\u00e4tsumschwung unter den Arbeitnehmern und ein zunehmender Mangel an qualifizierten Fachkr\u00e4ften erfordern neue Strategien im Umgang mit den herrschenden Lebensarbeitszeitmodellen.<\/p>\n<p>Was haben Besch\u00e4ftigungen \u00fcber das gew\u00f6hnliche Referenzalter hinaus oder vorzeitige Pensionierungen f\u00fcr vorsorgerechtliche, steuerliche und arbeitsrechtliche Konsequenzen? Wie k\u00f6nnen Teilzeitpensen, vorzeitige Pensionierungen, Sabbaticals und die Weiterf\u00fchrung der Berufst\u00e4tigkeit jenseits des Referenzalters nicht nur als Risiko, sondern auch als Chance f\u00fcr ein Unternehmen verstanden werden? Welche arbeits- und vorsorgerechtlichen Aspekte sind in den Unternehmen planerisch zu ber\u00fccksichtigen und welche Stolpersteine und Fallstricke sind zu beachten?<\/p>\n<p>H\u00f6ren Sie am Schulthess Forum Berufliche Vorsorge Fachspezialisten zu den geltenden Pensionierungsregeln und den bereits umgesetzten sowie den anstehenden \u00c4nderungen. Informieren Sie sich \u00fcber die steuerlichen, arbeits- und vorsorgerechtlichen und aktuariellen Aspekte, schaffen Sie sich einen \u00dcberblick \u00fcber die Erfahrungen und die Sichtweise von Verb\u00e4nden und werfen Sie einen strukturierten Blick auf die Positionen der betroffenen Unternehmen, Vorsorgeeinrichtungen und Berufst\u00e4tigen. Der Tag schliesst mit einem Ausblick auf die neuesten Entwicklungen und den anstehenden Reformbedarf. Nutzen Sie die M\u00f6glichkeit zum direkten Austausch mit ausgewiesenen Profis aus der Vorsorge, treffen Sie Kolleginnen und Kollegen und kn\u00fcpfen Sie neue Kontakte.<\/p>\n<\/div>\n","protected":false},"author":25,"featured_media":0,"template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"<div><\/div>\r\n<div>\r\n<div>\r\n<h3>Flexibilisierung der Lebensarbeitszeit \u2013<\/h3>\r\n<h3>Vorsorge-, steuer- und rechtliche Chancen und Risiken aus Sicht der Unternehmung<\/h3>\r\n<\/div>\r\n<div>\r\n\r\nMit der \u201eAHV 21\u201c-Revision wurde der Altersr\u00fccktritt flexibilisiert. Insbesondere wurden die M\u00f6glichkeiten der vorzeitigen Pensionierung, des Rentenaufschubs und der Teilpensionierung erweitert. Die Flexibilisierungen und auch die anhaltende Diskussion um die Finanzierung der beruflichen Vorsorge \u00f6ffnen den Bogen weiter, hin zu einer Flexibilisierung der Lebensarbeitszeit\u00a0und Verbesserungen f\u00fcr Teilzeiterwerbst\u00e4tige - der Generationswechsel am Arbeitsmarkt, ein Mentalit\u00e4tsumschwung unter den Arbeitnehmern und ein zunehmender Mangel an qualifizierten Fachkr\u00e4ften erfordern neue Strategien im Umgang mit den herrschenden Lebensarbeitszeitmodellen.\r\n\r\nWas haben Besch\u00e4ftigungen \u00fcber das gew\u00f6hnliche Referenzalter hinaus oder vorzeitige Pensionierungen f\u00fcr vorsorgerechtliche, steuerliche und arbeitsrechtliche Konsequenzen? Wie k\u00f6nnen Teilzeitpensen, vorzeitige Pensionierungen, Sabbaticals und die Weiterf\u00fchrung der Berufst\u00e4tigkeit jenseits des Referenzalters nicht nur als Risiko, sondern auch als Chance f\u00fcr ein Unternehmen verstanden werden? Welche arbeits- und vorsorgerechtlichen Aspekte sind in den Unternehmen planerisch zu ber\u00fccksichtigen und welche Stolpersteine und Fallstricke sind zu beachten?\r\n\r\nH\u00f6ren Sie am Schulthess Forum Berufliche Vorsorge Fachspezialisten zu den geltenden Pensionierungsregeln und den bereits umgesetzten sowie den anstehenden \u00c4nderungen. Informieren Sie sich \u00fcber die steuerlichen, arbeits- und vorsorgerechtlichen und aktuariellen Aspekte, schaffen Sie sich einen \u00dcberblick \u00fcber die Erfahrungen und die Sichtweise von Verb\u00e4nden und werfen Sie einen strukturierten Blick auf die Positionen der betroffenen Unternehmen, Vorsorgeeinrichtungen und Berufst\u00e4tigen. Der Tag schliesst mit einem Ausblick auf die neuesten Entwicklungen und den anstehenden Reformbedarf. Nutzen Sie die M\u00f6glichkeit zum direkten Austausch mit ausgewiesenen Profis aus der Vorsorge, treffen Sie Kolleginnen und Kollegen und kn\u00fcpfen Sie neue Kontakte.\r\n\r\n<\/div>\r\n<\/div>","_et_gb_content_width":""},"categories":[140],"tags":[],"product_brand":[],"product_cat":[229],"product_tag":[],"class_list":{"0":"post-13734","1":"product","2":"type-product","3":"status-publish","5":"category-tagung","6":"product_cat-229","7":"pa_teilnahme-praesenzveranstaltung","9":"first","10":"outofstock","11":"taxable","12":"shipping-taxable","13":"product-type-variable"},"acf":[],"_links":{"self":[{"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/product\/13734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/users\/25"}],"wp:attachment":[{"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/media?parent=13734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/categories?post=13734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/tags?post=13734"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/product_brand?post=13734"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/product_cat?post=13734"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/dev.schulthessforum.ch\/fr\/wp-json\/wp\/v2\/product_tag?post=13734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}