{"id":22977,"date":"2025-10-06T10:32:09","date_gmt":"2025-10-06T08:32:09","guid":{"rendered":"https:\/\/projet.helpfrontaliers.ch\/?page_id=22977"},"modified":"2026-01-06T18:22:42","modified_gmt":"2026-01-06T17:22:42","slug":"planification-depart-a-la-retraite","status":"publish","type":"page","link":"https:\/\/helpfrontaliers.ch\/en\/frontaliers\/planification-depart-a-la-retraite\/","title":{"rendered":"Retirement planning"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"22977\" class=\"elementor elementor-22977\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c277a6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c277a6c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-716f352c\" data-id=\"716f352c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57cdab35 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"57cdab35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5076a93a elementor-widget elementor-widget-heading\" data-id=\"5076a93a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Un d\u00e9part \u00e0 la retraite r\u00e9ussi se planifie en avance<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2de92ce5 elementor-widget elementor-widget-spacer\" data-id=\"2de92ce5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-cbdd7f elementor-widget elementor-widget-text-editor\" data-id=\"cbdd7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-start para-style-body\"><span>Pr\u00e9parer son d\u00e9part \u00e0 la retraite est d\u00e9j\u00e0 une \u00e9tape complexe lorsqu\u2019on a eu une carri\u00e8re dans un seul pays. Mais pour les travailleurs frontaliers qui ont eu une carri\u00e8re partag\u00e9e entre la France et la Suisse, la situation se complique : deux syst\u00e8mes tr\u00e8s diff\u00e9rents, des d\u00e9marches administratives lourdes et souvent une prise en main tardive qui am\u00e8nent \u00e0 des choix aux cons\u00e9quences irr\u00e9vocables.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-317749a9 elementor-widget elementor-widget-spacer\" data-id=\"317749a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-f8c0a0c elementor-widget elementor-widget-gt3-core-button\" data-id=\"f8c0a0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"https:\/\/calendly.com\/hello-kawah\/helpfrontaliers?month=2026-01\" target=\"_blank\" rel=\"noopener\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Prendre RDV<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--f8c0a0c\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-20ac97a6 elementor-widget elementor-widget-gt3-core-button\" data-id=\"20ac97a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"\/en\/nous-contacter\/\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Contact<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--20ac97a6\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1ebba0ab\" data-id=\"1ebba0ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-476585aa elementor-widget elementor-widget-image\" data-id=\"476585aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"480\" height=\"424\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/12\/Arriere-plan-Flip-Nuage-de-mots-Dessine-a-la-main-Bleu-Ciel-3-480x424.png\" class=\"attachment-gt3theme_mobile size-gt3theme_mobile wp-image-55055\" alt=\"\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/12\/Arriere-plan-Flip-Nuage-de-mots-Dessine-a-la-main-Bleu-Ciel-3-480x424.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/12\/Arriere-plan-Flip-Nuage-de-mots-Dessine-a-la-main-Bleu-Ciel-3-300x265.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/12\/Arriere-plan-Flip-Nuage-de-mots-Dessine-a-la-main-Bleu-Ciel-3.png 737w\" sizes=\"(max-width: 480px) 100vw, 480px\" title=\"Arri\u00e8re-plan Flip Nuage de mots Dessin\u00e9 \u00e0 la main Bleu Ciel (3)\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-570d0ed e-flex e-con-boxed e-con e-parent\" data-id=\"570d0ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75d974ec elementor-widget elementor-widget-spacer\" data-id=\"75d974ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-116f861 e-flex e-con-boxed e-con e-parent\" data-id=\"116f861\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f3d7d elementor-widget elementor-widget-heading\" data-id=\"b3f3d7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Comprendre et planifier sa retraite quand on est frontalier<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-2cccbc6f elementor-widget elementor-widget-text-editor\" data-id=\"2cccbc6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>La planification de retraite pour les frontaliers implique d\u2019\u00e9valuer vos ressources financi\u00e8res et vos besoins futurs tout en tenant compte des implications fiscales et des r\u00e9gimes de pr\u00e9voyance en Suisse et dans votre pays de r\u00e9sidence. <\/span><\/p><p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>Cela comprend l\u2019analyse des pensions, des r\u00e9gimes de s\u00e9curit\u00e9 sociale, ainsi que des \u00e9conomies et investissements accumul\u00e9s. <\/span><\/p><p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>L\u2019objectif est de cr\u00e9er un plan qui r\u00e9pond \u00e0 vos besoins sp\u00e9cifiques, tout en tenant compte des diff\u00e9rences entre les syst\u00e8mes de retraite des deux pays.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e710703 elementor-widget elementor-widget-html\" data-id=\"e710703\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  .lf-coverage{\r\n    font-family:\"Poppins\",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;\r\n    display:flex;justify-content:center;\r\n    padding:28px 16px;\r\n  }\r\n\r\n  .lf-card{\r\n    background:#f5f5fe;\r\n    border-radius:28px;\r\n    box-shadow:0 8px 24px rgba(0,0,0,.08);\r\n    padding:40px 40px 36px;   \r\n    max-width:1100px;width:100%;\r\n  }\r\n\r\n  \/* ===== Logo ===== *\/\r\n  .lf-logo{\r\n    display:block;\r\n    margin:0 auto 42px auto;\r\n    width:185px;\r\n    height:auto;\r\n    max-width:100%;\r\n  }\r\n\r\n  \/* ===== Contenu ===== *\/\r\n  .lf-body{\r\n    max-width:none;\r\n    padding:0 12px;\r\n    margin:0 auto;\r\n    text-align:left;\r\n  }\r\n\r\n  \/* ===== Titre ===== *\/\r\n  .lf-title{\r\n    color:#2d0068;\r\n    font-weight:800;\r\n    font-size:18px !important;\r\n    text-align:center;\r\n    margin:0 0 22px 0;\r\n    line-height:1.4;\r\n  }\r\n\r\n  \/* ===== Texte & Liste ===== *\/\r\n  .lf-intro,\r\n  .lf-list{\r\n    color:#2a3997;\r\n    font-size:16px;\r\n    line-height:1.7;\r\n    margin:0;\r\n  }\r\n\r\n  .lf-intro{ margin-bottom:10px; }\r\n\r\n  .lf-list{\r\n    list-style-type:disc;\r\n    margin-top:8px;\r\n    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6px;}\r\n    .lf-card{padding:24px 10px;border-radius:22px;}\r\n    .lf-logo{width:140px;margin-bottom:30px;}\r\n    .lf-title{font-size:17px !important;margin-bottom:14px;}\r\n    .lf-intro,.lf-list{font-size:15px;line-height:1.65;}\r\n    .lf-list li{margin:5px 0;}\r\n    .lf-cta{margin-top:28px;}\r\n    .lf-cta .hf-btn{padding:4px 20px;}\r\n  }\r\n<\/style>\r\n\r\n<section class=\"lf-coverage\" aria-labelledby=\"lf-title\">\r\n  <article class=\"lf-card\">\r\n    <img decoding=\"async\" class=\"lf-logo\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/12\/image001.png\" alt=\"Kawah - Des experts qui vous accompagnent vraiment\">\r\n\r\n    <div class=\"lf-body\">\r\n      <h2 id=\"lf-title\" class=\"lf-title\">Planifiez\r\nsimplement\u2026<\/h2>\r\n\r\n      <p class=\"lf-intro\">\r\n        La planification de retraite est cruciale pour les frontaliers, dont la situation particuli\u00e8re exige une approche adapt\u00e9e afin de garantir un revenu suffisant apr\u00e8s la vie active. Elle consiste \u00e0 analyser vos ressources actuelles, vos besoins futurs et les implications fiscales, en tenant compte des r\u00e9gimes de pr\u00e9voyance suisses et de votre pays de r\u00e9sidence. L\u2019objectif est de b\u00e2tir un plan coh\u00e9rent, align\u00e9 sur vos sp\u00e9cificit\u00e9s, pour s\u00e9curiser durablement votre avenir financier.\r\n\r\n      <div class=\"lf-cta\">\r\n        <a class=\"hf-btn\" href=\"https:\/\/calendly.com\/hello-kawah\/helpfrontaliers?month=2026-01\" target=\"_blank\" rel=\"noopener\">Prendre rendez-vous<\/a>\r\n      <\/p>\r\n\r\n      <div class=\"lf-cta\">\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/article>\r\n<\/section>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c76b1c6 e-flex e-con-boxed e-con e-parent\" data-id=\"6c76b1c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20a99d8f elementor-widget elementor-widget-heading\" data-id=\"20a99d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Les particularit\u00e9s d\u2019une carri\u00e8re frontali\u00e8re<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-603c5c6 elementor-widget elementor-widget-text-editor\" data-id=\"603c5c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>Lorsqu\u2019un assur\u00e9 a travaill\u00e9 en France et en Suisse, il doit combiner <\/span><span>deux syst\u00e8mes tr\u00e8s diff\u00e9rents.<\/span><\/p><p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>Lorsqu\u2019une personne a travaill\u00e9 en France et en Suisse, elle doit <\/span><b>jongler<\/b><span> entre les deux syst\u00e8mes. Voici les principales complexit\u00e9s : <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fbcb639 e-flex e-con-boxed e-con e-parent\" data-id=\"6fbcb639\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6531677d elementor-widget elementor-widget-html\" data-id=\"6531677d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.hf-retirement{\r\n  --panel:#f5f5fe;\r\n  --card:#fff;\r\n  --stroke:#2a3997;\r\n  --text:#2a3997;\r\n  --body:#2a3997;\r\n  --radius:16px;\r\n\r\n  font-family:'Poppins',sans-serif;\r\n  background:var(--panel);\r\n  padding:26px 14px;\r\n}\r\n\r\n.hf-retirement-grid{\r\n  max-width:1180px;\r\n  margin:0 auto;\r\n  display:grid;\r\n  grid-template-columns:repeat(3, minmax(0,1fr));\r\n  gap:28px;\r\n}\r\n\r\n.hf-ret-card{\r\n  background:var(--card);\r\n  border:1.5px solid var(--stroke);\r\n  border-radius:var(--radius);\r\n  text-align:center;\r\n  padding:28px 22px;\r\n  position:relative;\r\n\r\n  box-shadow:\r\n    0 4px 10px rgba(21,24,74,.06),\r\n    0 3px 0 0 #7b61ff,\r\n    3px 0 0 0 #f06449;\r\n}\r\n\r\n.hf-ret-card:hover{\r\n  transform:translateY(-2px);\r\n  box-shadow:\r\n    0 5px 9px rgba(21,24,74,.10),\r\n    0 1px 0 0 #7b61ff,\r\n    1px 0 0 0 #f06449;\r\n}\r\n\r\n.hf-ret-card h3{\r\n  margin:0 0 10px;\r\n  font-size:18px;\r\n  font-weight:700;\r\n  color:var(--text);\r\n}\r\n.hf-ret-card p{\r\n  margin:0 auto;\r\n  max-width:38ch;\r\n  font-size:16px;\r\n  line-height:1.65;\r\n  color:var(--body);\r\n}\r\n\r\n@media (max-width:1024px){\r\n  .hf-retirement-grid{ grid-template-columns:1fr 1fr; }\r\n}\r\n@media (max-width:680px){\r\n  .hf-retirement-grid{ grid-template-columns:1fr; }\r\n  .hf-ret-card{ padding:22px 18px; }\r\n  .hf-ret-card h3{ font-size:16px; }\r\n  .hf-ret-card p{ font-size:15px; }\r\n}\r\n\r\n<\/style><section class=\"hf-retirement\">\r\n  <div class=\"hf-retirement-grid\">\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>Interlocuteurs<\/h3>\r\n      <p>CARSAT en France, caisse AVS et institutions LPP en Suisse.\r\n\r\n<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>\u00c2ges de d\u00e9part<\/h3>\r\n      <p>64 ans (FR) vs 65 ans (CH), mais un impact cons\u00e9quent \u00e0 partir plus t\u00f4t.<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>Sc\u00e9narios de d\u00e9part<\/h3>\r\n      <p>+10 combinaisons de sc\u00e9narios de retraite possibles, pour chaque ann\u00e9e, pour chaque syst\u00e8me de sant\u00e9 (+1500 sc\u00e9narios\u2026)<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>Droit d\u2019option r\u00e9activ\u00e9<\/h3>\r\n      <p>Arriv\u00e9 \u00e0 la retraite, on peut de nouveau choisir entre le syst\u00e8me sant\u00e9 Suisse ou Fran\u00e7ais.<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>Prise en main tardive<\/h3>\r\n      <p>S\u2019y prenant trop tard, les frontaliers se retrouvent avec un bilan de carri\u00e8re plut\u00f4t qu\u2019une derni\u00e8re chance d\u2019optimiser.<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-ret-card\">\r\n      <h3>Fiscalit\u00e9 \u00e0 la retraite<\/h3>\r\n      <p>Pr\u00e9l\u00e8vements sociaux fran\u00e7ais applicables sur retraite Suisse, fiscalit\u00e9 rente LPP ou capital, etc\u2026<\/p>\r\n    <\/article>\r\n\r\n  <\/div>\r\n<\/section>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f5e7162 e-con-full e-flex e-con e-parent\" data-id=\"2f5e7162\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65f4f9f4 elementor-widget elementor-widget-html\" data-id=\"65f4f9f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n<section class=\"hf-example\">\r\n  <div class=\"hf-example-card\">\r\n    \r\n    <h3>Exemples concrets<\/h3>\r\n    <ul class=\"hf-example-list\">\r\n      <li><strong>Madame Y<\/strong> part \u00e0 la retraite et per\u00e7oit une rente fran\u00e7aise \u00e9quivalente \u00e0 5 ann\u00e9es de cotisations et tout le reste de sa retraite proviendra de la Suisse. En r\u00e9cup\u00e9rant sa rente fran\u00e7aise, des pr\u00e9l\u00e8vements sociaux s\u2019imputeront sur sa retraite suisse, pouvant, \u00e0 terme, lui engendrer des pertes sup\u00e9rieures \u00e0 sa rente fran\u00e7aise.<\/li>\r\n      <li><strong>Monsieur X<\/strong>, 62 ans, infirmier, a cotis\u00e9 37 ans dans sa caisse de pension actuelle et part \u00e0 la retraite. Il souhaite r\u00e9cup\u00e9rer sa LPP sous forme de capital mais, mauvaise surprise, sa caisse de pension n\u00e9cessite un pr\u00e9avis de 36 mois pour acc\u00e9der \u00e0 sa requ\u00eate. Il sera contraint de la r\u00e9cup\u00e9rer en rente, ce qui vient bouleverser ses plans de retraite.<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n<\/section>\r\n\r\n\r\n<style>\r\n\r\n.hf-example{\r\n  --panel:black;\r\n  --card:#f5f5fe;        \r\n  --text:#111827;         \r\n  --radius:22px;\r\n\r\n  font-family:'Poppins', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\r\n  background:var(--panel);\r\n  padding:24px 14px;\r\n  display:flex; justify-content:center;\r\n}\r\n\r\n.hf-example-card{\r\n  width:100%;\r\n  max-width:980px;\r\n  background:var(--card);\r\n  border-radius:var(--radius);\r\n  padding:28px 26px 15px;  \r\n  border:1px solid rgba(0,0,0,.08);\r\n  box-shadow:0 10px 24px rgba(17,24,39,.12);\r\n  position:relative;\r\n}\r\n\r\n.hf-example-card::before,\r\n.hf-example-card::after{\r\n  content:none !important;\r\n}\r\n\r\n\/* Ic\u00f4ne centr\u00e9e *\/\r\n.hf-example-icn{\r\n  display:block;\r\n  margin:0 auto 8px;      \r\n  width:40px; height:40px;\r\n  object-fit:contain;\r\n}\r\n\r\n\/* Titre centr\u00e9 *\/\r\n.hf-example h3{\r\n  margin:0 0 18px;\r\n  font-size:22px;\r\n  font-weight:800;\r\n  text-align:center;     \r\n  color:#111;\r\n}\r\n\r\n.hf-example-lead{\r\n  margin:0 0 12px;\r\n  font-size:16px;\r\n  line-height:1.7;\r\n  color:var(--text);\r\n  text-align:left;       \r\n}\r\n\r\n.hf-example-list{\r\n  list-style: disc inside;\r\n  margin:0 0 14px;\r\n  padding:0;\r\n  text-align:left;\r\n}\r\n.hf-example-list li{\r\n  font-size:16px;\r\n  line-height:1.7;\r\n  margin:6px 0;\r\n  color:var(--text);\r\n}\r\n\r\n.hf-example-note{\r\n  margin:8px 0 0;\r\n  font-size:16px;\r\n  line-height:1.7;\r\n  color:var(--text);\r\n  text-align:left;\r\n}\r\n\r\n@media (max-width:768px){\r\n  .hf-example-card{\r\n    padding:22px 16px;\r\n    border-radius:18px;\r\n  }\r\n  .hf-example h3{ font-size:20px; }\r\n  .hf-example-lead,\r\n  .hf-example-list li,\r\n  .hf-example-note{ font-size:15px; line-height:1.6; }\r\n}\r\n\r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35c999ab e-flex e-con-boxed e-con e-parent\" data-id=\"35c999ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f764f79 elementor-widget elementor-widget-heading\" data-id=\"5f764f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Pourquoi se faire accompagner ?<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-184b6af1 elementor-widget elementor-widget-text-editor\" data-id=\"184b6af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>Planifier son d\u00e9part \u00e0 la retraite demande une expertise sur les deux pays et de l\u2019anticipation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61b36f89 e-flex e-con-boxed e-con e-parent\" data-id=\"61b36f89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79557255 elementor-widget elementor-widget-html\" data-id=\"79557255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.hf-risks{\r\n  --panel:#fff;\r\n  --card:#fff;\r\n  --stroke:#2a3997;\r\n  --text:#2a3997;\r\n  --body:#2a3997;\r\n  --radius:16px;\r\n  font-family:'Poppins',sans-serif;\r\n  background:var(--panel);\r\n  padding:26px 14px;\r\n}\r\n\r\n.hf-risks-grid{\r\n  max-width:1180px;\r\n  margin:0 auto;\r\n  display:grid;\r\n  grid-template-columns:repeat(3,minmax(0,1fr));\r\n  gap:28px;\r\n}\r\n\r\n.hf-risk-card{\r\n  background:var(--card);\r\n  border:1.5px solid var(--stroke);\r\n  border-radius:var(--radius);\r\n  text-align:center;\r\n  padding:26px 22px;\r\n  position:relative;\r\n\r\n  box-shadow:\r\n    0 4px 10px rgba(21,24,74,.06),\r\n    0 2px 0 0 #7b61ff,  \r\n    2px 0 0 0 #f06449;\r\n}\r\n\r\n.hf-risk-card h3{\r\n  margin:0 0 8px;\r\n  font-size:18px;     \r\n  font-weight:700;\r\n  color:var(--text);\r\n}\r\n.hf-risk-card p{\r\n  margin:0 auto;\r\n  max-width:34ch;\r\n  font-size:16px;\r\n  line-height:1.6;\r\n  color:var(--body);\r\n}\r\n\r\n@media (max-width:1024px){\r\n  .hf-risks-grid{ grid-template-columns:1fr 1fr; }\r\n}\r\n@media (max-width:680px){\r\n  .hf-risks-grid{ grid-template-columns:1fr; }\r\n  .hf-risk-card{ padding:22px 18px; }\r\n  .hf-risk-card h3{ font-size:16px; }\r\n  .hf-risk-card p{ font-size:15px; }\r\n}\r\n\r\n<\/style>\r\n\r\n<section class=\"hf-risks\">\r\n  <div class=\"hf-risks-grid\">\r\n    <article class=\"hf-risk-card\">\r\n      <h3>Objectifs<\/h3>\r\n      <p>Est-ce que vos souhaits sont r\u00e9alisables ? Optimisables ?<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-risk-card\">\r\n      <h3>Accompagnement et Suivi<\/h3>\r\n      <p>Pour optimiser et planifier mais \u00e9galement pour toutes les d\u00e9marches administratives.\r\n\r\n<\/p>\r\n    <\/article>\r\n\r\n    <article class=\"hf-risk-card\">\r\n      <h3>Accessibilit\u00e9<\/h3>\r\n      <p>Des humains disponibles, qui vous connaissent. Une application intuitive et simple, pas un classeur immuable.<\/p>\r\n    <\/article>\r\n  <\/div>\r\n<\/section>\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6058a1aa e-flex e-con-boxed e-con e-parent\" data-id=\"6058a1aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13ba158e e-con-full e-flex e-con e-child\" data-id=\"13ba158e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-36580219 elementor-widget elementor-widget-text-editor\" data-id=\"36580219\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-center para-style-body\"><span>Planifier un d\u00e9part \u00e0 la retraite de frontalier demande de l\u2019expertise et de l\u2019anticipation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35166a77 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"35166a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Conna\u00eetre les proc\u00e9dures et fiscalit\u00e9 des deux pays. <\/b><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11fc7365 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"11fc7365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Calculer les rentes, capitaux et montants des imp\u00f4ts afin d\u2019identifier le sc\u00e9nario optimal.<\/b><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ac433be elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4ac433be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Identifier les optimisations possibles et les timings \u00e0 ne surtout pas manquer.<\/b><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47c0bc96 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"47c0bc96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>\u00catre accompagn\u00e9 sur toute la partie administrative pour vous d\u00e9charger de cette t\u00e2che fastidieuse et chronophage.<\/b><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-6a56ac7 elementor-widget__width-initial elementor-widget elementor-widget-gt3-core-button\" data-id=\"6a56ac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"https:\/\/calendly.com\/hello-kawah\/helpfrontaliers?month=2026-01\" target=\"_blank\" rel=\"noopener\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Prendre rendez-vous<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--6a56ac7\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42119dc0 e-con-full e-flex e-con e-child\" data-id=\"42119dc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7958323a elementor-widget elementor-widget-image\" data-id=\"7958323a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/elementor\/thumbs\/2-1-rc7ykca3shckwuox2wnkokx5mp91xu03tozyisg8m8.png\" title=\"2\" alt=\"2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8069670 e-flex e-con-boxed e-con e-parent\" data-id=\"8069670\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96e3a9d elementor-widget elementor-widget-spacer\" data-id=\"96e3a9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Un d\u00e9part \u00e0 la retraite r\u00e9ussi se planifie en avance Pr\u00e9parer son d\u00e9part \u00e0 la retraite est d\u00e9j\u00e0 une \u00e9tape complexe lorsqu\u2019on a eu une carri\u00e8re dans un seul pays. Mais pour les travailleurs frontaliers qui ont eu une carri\u00e8re partag\u00e9e entre la France et la Suisse, la situation se complique : deux syst\u00e8mes tr\u00e8s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":55069,"parent":20445,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-22977","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/22977","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/comments?post=22977"}],"version-history":[{"count":0,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/22977\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/20445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media\/55069"}],"wp:attachment":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media?parent=22977"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}