How do I find an independent financial adviser in Switzerland?
Look at how the adviser is paid: an independent adviser lives from client fees, not from retrocessions or in-house products. Under FinSA, client advisers of financial service providers not supervised by FINMA must be entered in an adviser register. 41 Advisory is the independent investment advice practice of Antoine Pury in Sion (Valais); his entry in the adviser register is in progress.
Is my money safe with an independent adviser?
Your assets stay in an account in your own name at a bank or a regulated broker. The adviser has no power of attorney and no access to your money: he recommends, you decide and place your orders yourself. Like any stock market investment, these investments carry a risk of loss.
Pension fund at retirement: lump sum or annuity?
It depends on your health, your other income, your family situation, the taxes in your canton and how much you want to manage a capital yourself. The annuity gives a lifelong income; the lump sum gives more flexibility but has to be invested and managed. Antoine Pury helps you compare both and, if you choose the lump sum, invest it in a way that suits your profile.
Can you advise expats and English speakers?
Yes. Meetings take place in English, French or German, in Sion, at your home in Valais or by video anywhere in Switzerland.
What does 41 Advisory not do?
41 Advisory advises on investments in UCITS ETFs and listed shares. It does not manage your assets on your behalf (no management mandate), sells no in-house products and offers no mortgages, real estate or insurance. For those topics, a dedicated specialist is better placed.
