0–17 years
Childhood & youth
Parents lay the foundation: cover for the children and an early start on saving.
Financial services · Herisau AR
Your finances.Precisely set.
Independent financial services for private and business clients
Independent, personal and local – for Appenzell and Eastern Switzerland.
- IndependentNot tied to any company
- FINMA-registeredRegistered intermediary
- Herisau ARRooted in the region
- PersonalOne dedicated contact
Services
Everything from one source.
Insurance, pensions, wealth, mortgage and business mesh like the wheels of a movement. That is why I look at them as a whole.
- 01InsuranceThe right cover for you, your family and your property – without gaps and without overlaps.
- 02Pension planningCoordinate AHV, pension fund and pillar 3a so that you can enjoy your retirement with peace of mind.
- 03WealthBuild wealth calmly and systematically – with transparently compared offers and long-term support.
- 04MortgagesFrom purchase to renewal: the right financing for your home, compared independently.
- 05Business clientsInsurance and pensions for SMEs, trades and the self-employed – with one contact person from the region.
How I work
Carefully, step by step.
Getting to know you
We discuss your situation and goals. I get an overview of your existing contracts.
Concept
You receive a clear overview: your current situation and possible solutions side by side – with the pros and cons of each option.
Implementation
I implement what you decide: obtain quotes, compare, sign, cancel.
Ongoing support
I remain your contact – for questions, claims and when life changes.
Life clock
Every age has its topics.
Turn the hand to your age – the life clock shows which financial topics are coming up now.
Your topics at 35
18–25 years
Starting out
First flat, first salary: now a solid basic cover and good habits count.
26–35 years
Building up
Partnership, family, career: those who carry responsibility protect themselves and their loved ones.
36–50 years
Established
Income rises and decisions get bigger: home ownership, self-employment, targeted wealth building.
51–64 years
Preparing for retirement
The key decisions for retirement are made now – with time, taxes can be saved and gaps closed.
65+ years
Retirement
Now your assets should work for you – reliably, predictably and in good order for the next generation.
Transparency
How I am compensated.
Trust starts with openness. That is why you always know where you stand with me.
- For insurance I usually receive a commission from the insurer. Your premium does not increase as a result.
- For comprehensive analyses, such as a pension, insurance or financing analysis, a fee can be agreed if you wish – always in advance and in writing.
- I disclose the type and amount of my compensation before every contract.
First meeting
Let's take time for your finances.
The first meeting is free and without obligation – at your home, at your business or via video.