Offering — Advisory
Most advisory relationships hand you a recommendation. This one hands you the reasoning — so the decision, and the ongoing judgment, stay yours.
Educational, not transactional
Sessions start from your actual situation — savings, income, goals, risk tolerance — and build up the same reasoning a professional advisor would use, so you can apply it yourself, this year and every year after.
I don't hold commissions on funds, insurance, or any financial product. The advisory fee is the only thing you pay, which removes the usual incentive to steer you toward anything but your own interest.
Expect spreadsheets you can reopen later, worked examples with your own figures, and a written summary after each session — not jargon you have to take on faith.
The point is not to tell you what to buy. It's to leave you able to look at any financial product, offer, or decision and judge it clearly on your own.
What you'll walk away understanding
The first session starts with the same six asset classes, side by side, so we're working from the same vocabulary from day one. Figures are split by currency, since EUR and CHF have had meaningfully different interest-rate histories — we go deeper, and get specific to your numbers, in the room.
| EUR — Germany | CHF — Switzerland | |||
|---|---|---|---|---|
| Asset class | Avg. return | Volatility | Avg. return | Volatility |
| Cash & equivalents | ~1.5% | ~1% | ~0.5–1% | ~1% |
| Bonds (fixed income) | ~3–4% | ~5–7% | ~2–3% | ~4–6% |
| Equities (stocks) | ~7–8% | ~18–20% | ~6–7% | ~15–18% |
| Real estate | ~4–5% | ~8–12% | ~4–5% | ~5–10% |
| Commodities & gold | ~5% | ~15–20% | ~4–5% | ~15–20% |
| Alternatives | ~8–14%* | hard to observe* | ~7–13%* | hard to observe* |
*Illustrative long-run averages, adapted from broad academic and industry datasets — not a guarantee of future returns. Swiss figures run lower in part because of the franc's history as a low-inflation, safe-haven currency. Alternatives are marked with an asterisk because their reported volatility is structurally understated.
Your situation, not a generic plan
Once we share a vocabulary, the second session turns to you specifically — what you already hold, what you're working toward, and how much volatility you can genuinely live with. Nothing is collected online; this happens in the room, or on a call.
A plain-language inventory of what you already hold, across the six asset classes from session one — including pensions and employer plans, which count even when they don't feel like "investing."
Your actual goals and rough timelines. A goal five years out gets treated very differently from one thirty years out.
Not a personality quiz — a grounded conversation about how you behaved during a real hard year, translated into a profile you can recognize.
Liquidity needs, values you want reflected in the portfolio, home bias, and how involved you want to stay once we're done.
Concrete, not generic
This is where it becomes real — actual platforms, actual funds, actual numbers — so you leave able to open the accounts yourself. I hold no custody of your money at any point.
Real, named brokers compared plainly for CHF and EUR clients — Interactive Brokers, Saxo, Swissquote and DEGIRO; Trade Republic and Scalable Capital — with honest trade-offs, not a single "best" answer.
Concrete, low-cost fund examples by category, with real tickers and costs — a small number of broad funds, not a stock-picking exercise.
Pillar 3a in Switzerland, the Sparerpauschbetrag and employer pension matching in Germany — the accounts with a built-in discount, filled before anything else.
I receive no commission from any platform or product mentioned. You open every account yourself, in your own name — I only explain the trade-offs.
Two structures — you choose
Two clean structures, kept separate rather than mixed — pay for time spent, or pay for results, not both at once.
Option A
CHF 265 / session
Best fit — a preference for a fee that depends only on time spent, never on outcomes
Option B
10% of annual profit
Best fit — a preference for paying nothing unless the year is genuinely profitable
No payment is collected on this website, and no card or bank details are ever taken through it. Fees are calculated once a year and sent as a single annual invoice, payable by bank transfer — there's no subscription and nothing is charged automatically.
Best fit
People who want to understand their money rather than outsource it entirely — early or mid-career professionals building their first real savings, people re-thinking their finances after a life change, or anyone who has felt talked past by a traditional advisor.
This is not a fit if you're looking for someone to actively manage or trade your assets for you — my role stops at teaching you to do that well yourself.
No cost, no commitment
The first call is a short, unpaid conversation to see whether the advisory fits what you're looking for. From there, I'll explain how sessions are structured and priced.
Matteo Gnoss m.gnoss@hotmail.de Zürich, Switzerland — in person or by video call