Independent Financial Advice in Switzerland
About Invexa
At Invexa, we help you make decisions that shape your future in a lasting way. As an independent financial advisory firm, we help Swiss residents and cross-border commuters save on their insurance and pension provision by optimizing their financial structure.
Our values
Independence
Our advice is free from any conflict of interest. We are not tied to any product or service provider, which guarantees 100 % recommendations aligned with your needs.
Ethics
Every recommendation is made in your exclusive interest, without ever being influenced by considerations of commission or commercial partnerships.
We refuse to offer you solutions that don't really correspond to your needs or situation, even if they are more lucrative for us. For us, this is the basis of quality advice and a lasting relationship of trust.
Excellence
We make it a point of honor to offer you a high-quality service, based on rigorous analysis and concrete solutions.
Our advisors are registered as insurance intermediaries in the FINMA register, as well as financial intermediaries under the FIDLEG (Financial Services Act) in the ARIF register (Association Romande des Intermédiaires Financiers).
At Invexa, we don’t believe in ready-made solutions or advice driven by commercial interests. Every recommendation we provide is the result of careful analysis of your situation and strategic planning aligned with your personal goals.
Our skills at your service
We provide comprehensive support to secure your financial future and optimize your assets. Whether you want to finance real estate, plan for retirement, analyze your pension, or recover forgotten occupational pension (LPP) assets, our experts guide you every step of the way.
Retirement Planning
Preparing for retirement means anticipating future income and needs. We draw up a personalized 3-pillar plan to guarantee a worry-free retirement.
BVG asset management
We'll find your forgotten BVG assets and help you consolidate them into a suitable solution to secure your acquired rights.
Insurance brokerage
We compare Swiss insurance companies to offer you clear, tailor-made cover for both your private and business needs.
Mortgage
We can help you find the most suitable mortgage by comparing rates and conditions with the main players on the market.
Tax Optimization
Cross-border commuters and residents, we handle your tax return and ensure that you benefit from all the deductions you are entitled to.
Life insurance
We analyze your needs and compare the Swiss market to find the life insurance that best matches your protection requirements.
Pillar 3a solutions
We analyze your benefits and assets to identify gaps and propose solutions tailored to your future needs.
Pillar 3b solutions
We'll help you choose a flexible 3b solution to protect your family or save as you wish.
Investments & Wealth Management
Most portfolios in Switzerland are too expensive and under-optimized. Optimize your investments and avoid costly mistakes with a modern, personalized strategy.
Our partners
- +300 clients supported
- +35 financial partners
- Average rating: 5/5
What our customers say
Read the testimonials of our customers who have placed their trust in Invexa for their personal protection.
Why choose Invexa?
Invexa will work with you rigorously, ethically and objectively to optimize your retirement and personal finances, without any conflict of interest.
Independent advice
Invexa does not sell banking or insurance products. We are on your side, defending your interests to the best of our ability.
Objective market comparison
We work with many carefully selected partners based on strict quality criteria in order to objectively compare the market.
Expert advice
Our advisors are specialists in their respective fields and hold recognized qualifications in Switzerland, as well as all the necessary authorizations.
Stay informed through our specialized articles
Discover our articles on insurance, pensions, finance and investments, written by our experts.
Regulatory framework and quality of advice
At Invexa, our advice is provided within a regulated framework recognized in Switzerland.
- Insurance intermediaries registered in the FINMA register
- Financial intermediaries under FIDLEG registered with ARIF
- Compliance with Swiss regulatory requirements
This ensures a high level of standards in terms of advice, transparency, and compliance.
Frequently asked questions about financial advice
Here are the answers to the most frequently asked questions about financial advice in Switzerland.
How to choose a financial advisor in Switzerland?
In Switzerland, an independent financial advisor generally provides a broader view of the market and helps avoid products limited to a single provider. A good financial advisor should:
- be transparent about their compensation
- offer solutions tailored to your situation
- clearly explain the benefits and risks
- not be limited to a single provider
In Switzerland, some advisors are tied to financial institutions, which may influence their recommendations. Independent advice provides a more objective perspective.
How to choose a financial advisor in Switzerland?
There are two main models:
1. Commissions (common model)
These are included in certain financial or insurance products and are similar across providers. They do not differ whether you go through Invexa or directly through the provider.
2. Fees
Direct billing for advisory services (e.g. retirement planning or wealth strategy).
At Invexa, we combine these two approaches in order to provide accessible support while also offering in-depth advice when necessary.
Is my 3rd pillar really performing well?
Not always. Many people in Switzerland do not actually know what their 3rd pillar is invested in.
Many solutions in Switzerland involve:
- high fees
- limited performance
- little flexibility
A 3a pension audit allows you to check whether your 3rd pillar is suited to your situation and your long-term goals.
How to invest wisely in Switzerland?
- your investment horizon
- your risk tolerance
- your tax situation
- your goals (retirement, wealth, income)
In practice, a diversified approach with controlled fees is often more effective than selecting isolated products.
Bank, insurance, or independent advisor: which should you choose?
- Banks: access to products and centralized management
- Insurance companies: integrated solutions with coverage
- Independent advisor: global view and market comparison
An independent advisor can help you make an objective choice between these solutions based on your situation.
How do I know if I’m paying too much in fees?
Fees are often not very visible but have a significant impact on performance.
It is recommended to analyze:
- management fees
- entry/exit fees
- product-related costs
A portfolio analysis helps identify potential optimizations.
How to optimize your taxes in Switzerland?
- using pillar 3a
- making buy-ins into the 2nd pillar
- structuring investments
- planning withdrawals
Since every situation is different, a personalized strategy helps maximize savings.
Can I retire early in Switzerland?
- your level of savings
- your pension assets (AVS, occupational pension, 3rd pillar)
- your expected future cost of living
Planning helps assess the feasibility of early retirement and identify the necessary adjustments.
Can financial advisors be trusted?
Quality varies depending on the provider.
In Switzerland, it is important to check:
- their professional qualifications
- their registration with a FIDLEG (LSFin) and/or FINMA register
- their compensation model
A good advisor should be able to clearly explain their recommendations and their impact.
Why do a financial review?
A financial review allows you to:
- clarify your current situation
- identify potential optimizations
- avoid costly mistakes
- define a coherent strategy
It is often the first step toward making better financial decisions.
Request your financial audit
Book a free appointment with one of our financial planning experts for an initial free financial audit.
