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Old 26.06.2021, 16:23
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Financial advisor?

Is there such a thing as an independent financial advisor who is not affiliated with some institution and therefore trying to sell you their own products? I really need some help sorting out my financial situation as I head towards retirement in a year.

Any recommendations appreciated! Thanks.

Carolyn
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Old 26.06.2021, 16:42
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Re: Financial advisor?

I can tell you Monday. Have contacted one on recommendation of a friend for similar reasons. Have a meeting on Monday to hear what he recommends .
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Old 26.06.2021, 16:51
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Re: Financial advisor?

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Is there such a thing as an independent financial advisor who is not affiliated with some institution and therefore trying to sell you their own products? I really need some help sorting out my financial situation as I head towards retirement in a year.

Any recommendations appreciated! Thanks.

Carolyn
If you pay them a fee by time spent & they take zero commissions on anything you later do, you are likely getting good advise.
The 'Free Financial Advise' is usually exceedingly expensive as you get sold a life insurance 'savings' plan which will break even after 5-10 years of savings. 'Tax Free' is also a warning sign as Switzerland does not normally tax capital gains.
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Old 26.06.2021, 16:55
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Re: Financial advisor?

The one I contacted is fee based (and has saved my friend a lot of money with his recommendations). Id rather pay and get proper advice!
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Old 26.06.2021, 17:15
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Re: Financial advisor?

I do my finances diy but looked for friends. To be truly independent you want someone who charges per hour. I did not find anyone yet

If no one has a better suggestion Forthcapital seem honest and knowledgeable and they do not cold call. Last time I talked to them they said they did take commissions on products which were quite high.

Do not take anyone who cold calls and dont hesitate to ask advisors how they get paid and how much. If they are unclear, then run
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Old 26.06.2021, 17:42
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Re: Financial advisor?

It's not unusual for an employer to provide on request (or offer) independent retirement planning support. It comes in two varieties;

1. Preparing for the financial consequences

2. Coaching (counselling) for the impact of retirement

As a GVA based employer, I've worked with Von Rohr with good results.
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