This is very much not a solved problem in Switzerland. Others were looking for this service and found nothing either:
But you could try VZ, tell them up front:
- you won’t to buy any of their products, even if they are potentially better
- you won’t let them sell you anything, nor put their name on a deal
- you are ready to pay for their time, and come back if it was worth your money
Then make sure:
- you have an idea of what you want to know
- they explain why something should be done (vs the alternative)
- you understand their explanation
- you get a second opinion (maybe on this forum)
- (give something back by describing your experience if you try this)
In general this forum is somewhat biased towards aggressive but rational accumulation. This is not suitable for everyone. But for learning how things work, and what products exist, it works well enough. In my opinion we still maintain enough diversity, knowledge and culture to challenge all ideas posted here. Scams and wrong information is flushed out, and things are are looked at from many angles, finding the edge cases.
It takes time, but by researching the concepts you read here but don’t understand, you will save a lot on expensive advisors, and even more with making good decisions.