Your personal financial planning

As a certified financial planner with eidg. Specialist certificate and Certified Financial Planner (CFP®), founder of Finelles GmbH and with 14+ years of experience in the financial industry, I accompany women in organizing their finances, investing sensibly and making decisions that fit their lives. In 2018 I founded Finelles, at that time with a focus on financial education, because I was convinced: Those who understand connections, make better decisions. Today I also advise women and couples in Switzerland as a financial planner independently and on a fee-based basis. Because I have experienced too many times in the industry how women are fed shorter, more superficially and with standard solutions. I wanted to change that and it's the best thing about my job when women realize that finances aren't as complicated as they always thought.

I am an independent financial planner with eidg. Professional certificate and founder of Finanzunterricht.ch. Growing up with a single mother, I experienced early on what financial uncertainty means and how much it can influence life. This experience characterizes my work to this day. In particular, I support women in understanding their financial situation and shaping it independently. My focus is on pension planning, because this is where the greatest uncertainties often exist. It is important to me to convey financial topics in an understandable, transparent and at eye level.

As an independent Certified Financial Planner (CFP®), founder of Finance Phoenix and with 19 years of experience in the financial industry, I accompany Swiss and expats with their finances.

In my early 30s, I had an honest but uncomfortable moment with myself. I worked in the financial industry, had a degree in business administration, grew up as the daughter of a banker, worked in a bank and helped clients invest money, and yet I did not know how to invest (little Nadine) with my money myself. I also didn't know if I had enough money to start. Theory on the one hand, reality on the other.

This was the trigger for a long-term training as a Certified Financial Planner (CFP®). And for Finance Phoenix. I not only wanted to be an ex-banker, but also to understand the finances of private individuals and the associated optimization possibilities in detail in order to be able to fully help.

Today, I mainly support women in really understanding their financial situation, not just superficially. So that they can live more self-determined and with fewer fears in the now, and perhaps even retire earlier. And so that they no longer grope in the dark. I love to explain complex things in a simple and understandable way. Only those who understand can make the right decisions.

Financial planning includes three meetings. The initial conversation is about your financial planner understanding the details of your current financial situation. After that, your planner will work out your individual financial planning. You discuss the planning in the follow-up discussions, define the next steps and clarify open questions.

The appointments can take place online or on site. You can arrange this with your planner after booking. Clara Creitz, Davide Zanetti and Nadine Hunkeler offer local advice in the Zurich area. Davide Zanetti is also on the road in the St. Gallen area.

After booking, you will be taken directly to the date selection and can choose a suitable time slot.

After booking you will receive an invoice from us for your advice. The payment period is 30 days. If you notice after the initial conversation that the offer does not suit your needs, you will receive your money back (before drawing up the individual financial plan).

Financial planning includes the following topics:

• Location analysis: your budget and liquidity
• Investment strategy: Recommendation for action for your wealth accumulation or expansion with investments
• Pension analysis: Assessment of your pension situation and possible pension gaps
• Insurance check: Analysis of your coverage in the event of death and incapacity for work
• Summary in a written financial plan

Of course, your expert can individually respond to your situation and set priorities.

So that you are optimally prepared, it is worth taking a brief overview of your financial situation.

You can use the budget in the ellexx app and answer the following questions:

• What is my monthly income?
• How much is my total wealth?
• What are my fixed costs (e.g. Rent, insurance, taxes, subscriptions, traffic, etc.)?
• What are my variable costs (e.g. Leisure, travel, clothing, etc.)?
• How much are my debts?
• (Optional) How much do I want to invest in the long term?
• (Optional) What about my pension plan (look at PK ID and pillar 3a)?

In addition, your planner will need documents from you to prepare your financial plan. You can order/collect these before the first interview:

• Salary certificate / annual account and balance sheet (self-employed)
• AHV-IK extract or pension certificate
• Pension extract from abroad (if available)
• Pension fund card and regulations
• Performance certificate of the cadre insurance / 1e plan (if available)
• Freedom of movement and policies (if available)
• Supporting documents for pillar 3a (accounts, policies, custody accounts) (if available)
• Tax return
• Life insurance policies (3a, 3b) (if any)
• Investment overview / deposit statement (if available)
• Mortgage contracts (if available)
• Marriage, inheritance contract or will (if any)
• Preventive order and living will (if available)
• Divorce agreement/judgment (if available)
• Account overview or asset statement