Immoprogramm SA is a real estate agency based in Bellinzona, active since 1990 and specialized in the sale, rental, and management of properties in Ticino. It also offers fiduciary services, tax consulting, and condominium management, with offices in Lugano-Savosa. Known for its reliability and professionalism, it has been a member of SVIT since 1997. It operates in Bellinzona, Locarno, Lugano, Biasca, and surrounding areas, with a special focus on Swiss-German clients seeking second homes. Trust an expert partner for all your real estate needs. Founded in 1990 in Bellinzona by Manuele Morelli, current sole director, Immoprogramm SA is a reference point in Ticino for real estate, fiduciary, and consulting services. With a strong local presence and a branch office in Lugano-Savosa, the company has expanded its services to German-speaking Switzerland and Northern Italy, offering complete and multilingual support. A member of SVIT Ticino since 1997, Immoprogramm stands out for the expertise of its team — made up of 10 qualified and continuously trained professionals — and for its reliable, personalized, and professional approach in assisting both private and corporate clients in achieving their goals. Main Services Offered • Real Estate Brokerage Sale and rental of apartments, houses, villas, commercial properties, and second homes. • Property Management Administration of income-generating buildings and condominiums (PPE). • Real Estate Valuations Technical appraisals and professional market value estimates. • Real Estate Promotion Development and enhancement of real estate projects. • Commercial Brokerage Sale and transfer of businesses and commercial spaces. • Tax and Business Consulting Tax planning for individuals and companies, accounting, and payroll management. • Fiduciary and Secretarial Services Domicile address, document management, and administrative support. • Insurance Consulting (Assiprogramm SA) Full protection through tailor-made insurance solutions. • Construction Consulting (Edilprogramm SA) Technical and management support for renovations and new constructions.

Nicolas Duzanski works as a financial advisor at Swiss Life Select, an entity of the Swiss Life Group specialized in comprehensive financial consulting. Thanks to this affiliation, he benefits from a vast network of trusted partners and access to a full range of insurance, savings, and investment products. Swiss Life Select follows a “Best Select” approach, meaning that advisors like Nicolas can choose the most suitable solutions available on the market, rather than being limited to proprietary products. Within Swiss Life Select, Nicolas offers FinanceCoaching : regular support (typically every 30 months) that includes financial analysis, insurance adjustments, tax optimization, and asset reallocation based on the life changes of his clients. He helps them build a long-term financial strategy while maintaining great freedom of choice, as Swiss Life Select collaborates with more than 60 partner companies in the fields of pension planning, investments and insurance. Thanks to this collaboration with Swiss Life Select, Nicolas combines independent advice (via external partners) with the strength and reputation of a major financial group, which strengthens the trust his clients place in him to plan their financial future. Nicolas carries out a complete analysis of your personal and financial situation. He helps you optimize all your insurances: LAMal, complementary health insurance, civil liability (household/private), car insurance, legal protection, and more. He also manages rent guarantees, retirement and succession planning, with a clear and personalized strategy. To enhance your financial security, he optimizes your 2nd and 3rd pillar pension plans, assists you in finding a mortgage loan, and provides access to efficient banking investment solutions tailored to your investor profile. His objective: to give you clarity, peace of mind, and the ability to make informed decisions about your financial future.