Simon was at a pivotal stage of his financial life: Having moved to Switzerland from France, he wanted to purchase property but did not yet fully grasp the complexity of the Swiss system. On top of that, a previous experience with a financial advisor had shaken his confidence in the industry – he had been sold an unsuitable pillar 3a product and unnecessary insurance coverage, with no alignment to his actual needs. Since that experience, he had not trusted anyone in the industry – until he discovered smzh.

Michelle Konrad is one of smzh’s longest-standing and most trusted clients. What began as a personal outreach has grown into a comprehensive, multi-year partnership — delivering concrete results across retirement planning, insurance, mortgage financing and administration. Michelle had no structured overview of her overall financial situation. Administrative tasks, insurance policies and her mortgage were running in parallel without clear coordination. Her goal was to reduce costs and build a sustainable long-term financial strategy.

Marc had no clear idea of what to do with his money in the long term. There was no strategy or planning in place – his savings simply accumulated in a bank account or were spent on hobbies. He had never worked with a financial advisor before: smzh was his first experience of professional financial guidance.

Simon had no household contents insurance and held a pillar 3a exclusively through his bank. He was largely unaware of the differences between a bank-based and an insurance-based third pillar solution. A previous encounter with another financial advisor had left a bad aftertaste – aggressive sales tactics with no genuine interest in his needs.

Anton Zemp wanted to know whether his insurance portfolio was well set up. smzh’s answer was clear and rather unexpected: yes, it was. That honesty became the foundation of a long-term family advisory relationship. Today smzh manages the advisory relationship for Anton and his entire family – a holistic, multigenerational partnership.

Sonja found herself in a life phase defined by a wave of simultaneous challenges: administrative, legal, financial and organizational questions arrived all at once. At times she felt completely overwhelmed, with a deep fear of making mistakes in important decisions. She approached smzh upon recommendation of her daughter, who was already a client of smzh Region Head Stefan Glavas'.