Yeah, Alpian tries to squeeze in, I think. Moreover, VZ itself was a disruptor vs. UBS and other banks.
There are independent financial advisors who work on an hourly basis. Also companies that offer this. How is this different from your idea? For example:
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See also: https://finfinder.ch
Just a side note on FinFinder: In the beginning, they only accepted independent advisors (no idea how you can control that). Hence the good reputation. However, this rule has been abolished, which is why you will mainly find insurance advisors there (AXA, SwissLife etc.).
But of course it still shows how many offers there are, you just have to be careful.
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The most value services like VZ add is not portfolio management.
It‘s the personal relationship with an advisor, that is there for you to talk to during bad times and makes you stay the course and execute your set strategy.
The appropriate portfolio setup is the smallest aspect of such a relationship.
The problem is that this will always be expensive. And advisor can only handle X amount of people.
They need these high aum fees to be able to operate.
A little cheaper than VZ is probably possible, but not by that much,
Ben Felix from PWL also said that a fee based system is not gonna be much cheaper. As they would need to charge pretty high fees to be profitable.
IIrc they charge a little less than VZ, but overall similar.
And I would say PWL is as good as it gets in that space (sadly only available in Canada)
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While many of us are FIRE enthusiasts and have a DIY approach. Have any of you consulted with a pension adviser/pension specialist and do you have any feedback on the value gained from this or in fact any recommendations?
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Yeah I have read a thread on the subject and few users mentioned VZ advisors.
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Just a reminder that VZ is a bank quoted on the stock market and that they sell their own products (trading account, funds, ect). I would still be careful with them. Not sure if they really serve their clients or shareholders
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You have to make a distinction here. VZ is a bank with its own infrastructure (accounts, cards etc).
However, the financial instruments it sells are from third parties. VZ does not have its own ETF or mutual funds.
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If you’re based near Luzern, we’ve had good input from WHP https://whp.ch/ over the years.
Used them as advisor for our company’s pension fund as well as the various required (and other recommended) insurances.
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Getting a fair financial advice still remains difficult in Switzerland, so I decided to assemble this thread. Many suggestions have been presented, more than I thought. Let’s try to keep it up and update.
From Alpian’s newsletter:
Groupe Plus is a Swiss company headquartered in Lausanne, with over 25 employees and an active presence across the country. By combining expertise in accounting, taxation, insurance, and mortgages, Groupe Plus provides 360° financial advice and tailored solutions. To date, more than 10’000 clients have been supported. Whether you are a company, an independent professional, or an individual, their team helps you bring your projects to life with clarity and ease.
Any experience, feedback, opinion?
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What happened to the linked thread? I can’t access it any more.
Was merged to this one 
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Thanks. I still have some direct links to the old thread which no longer work.