What Caveo does

Caveo AG is a Swiss independent financial advisory firm incorporated in 2019 and headquartered in Schlieren (Canton Zurich). Founded by four co-founders — Philippe (financial planning), Chantal (operations), Tobias (investment and strategy) and Stefan (technology/product) — the firm operates as what it labels the first Swiss AdvisoryTech, combining certified human financial planners with a proprietary digital platform. The company is regulated under Swiss financial services law: it is registered with FINMA as an untied insurance intermediary (register no. 35052), is an ARIF member, and operates subject to FinSA conduct and disclosure rules.

The core product is the CaveoApp, a mobile and web application that consolidates financial planning, pension analysis, insurance policy aggregation and an algorithmically generated action plan of prioritized tasks with reminders. Around this app, Caveo packages a wide suite of advisory service modules — assets/investment structuring, retirement/provision planning, tax optimization, insurance and health-insurance audits, real estate financing and inheritance planning — as well as paid diagnostic products such as the Life Insurance Check (CHF 180 one-off) and Pension Audit (CHF 890 flat rate). The CaveoApp is free to users, while a two-tier Insurance Trusteeship offers either a free broker mandate or a CHF 99/year non-mandate subscription.

Caveo monetizes through four streams: upfront fee-based advisory mandates; insurance brokerage commissions of 4-15% of premiums under broker mandates; recurring retrocessions of 0-0.6% per year on assets intermediated (notably via partner Everon AG and Luzerner Kantonalbank's Everon Swiss Pension Fund Strategy AMC); and subscription fees for the non-mandate insurance trust tier. Its go-to-market is hybrid: a free CaveoApp and content marketing (blog, newsletter, podcast appearances, social media) feed self-service discovery, while Calendly-booked free initial consultations convert users into either one-off paid diagnostics or ongoing advisory mandates. The company serves private individuals across life stages (career start, family, home ownership, self-employment, retirement) and is expanding into Swiss employers via an employee financial wellbeing program. Operations remain entirely Switzerland-domiciled and single-country.

Name

Caveo

Legal name

Caveo AG

Website

https://caveo.ch

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Caveo AG is a Zurich-based, FINMA-registered independent financial planner for Swiss private individuals and corporate clients, delivering fee-based advice across pensions, insurance, tax, real estate and inheritance through its proprietary CaveoApp and certified human planners.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Insurance and Employee Benefit Funds (5251), Other Insurance Related Activities (52429), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Independent financial planning
• Pension provision advisory
• Insurance brokerage
• Tax optimization services
• Advisory technology platform

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Fee-based Financial Advisory: Holistic financial and pension planning on a fee-based advisory model. Fees are agreed in advance and shown transparently before work begins. Remuneration is independent of product implementation. Fee-based services are payable in full in advance.
2. Insurance Brokerage Commissions: When customers implement recommended measures through broker mandate, Caveo receives brokerage commissions from insurers (4%-15% of premiums), already factored into premium pricing. Disclosure of amount and nature provided in advance per supervisory requirements.
3. Asset Management Retrocessions: Recurring portfolio-based compensation (retrocessions/trailer fees) from solution providers and asset managers (e.g., Everon) for intermediation and ongoing support of investment solutions. Typically 0%-0.6% per year of assets under management. Factored into fee structure.
4. Insurance Trust Subscription: Annual subscription for insurance management without broker mandate: CHF 99 per year. Includes app access and optional per-service fees (e.g., CHF 180 for up to 3 offer comparisons).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Caveo provides independent, fee-based holistic financial planning for Swiss private customers and corporate employee wellbeing programs. Its proprietary CaveoApp digitizes the advisory workflow, combining financial planning, insurance policy aggregation, pension fund analysis, and algorithmically controlled action plans with automated reminders. Supporting advisory service modules cover assets/investments, retirement provision, tax optimization, insurance, health insurance, real estate financing, and inheritance planning, complemented by paid standalone products such as a Life Insurance Check and Pension Audit.

Product overview

Caveo is a Swiss independent financial planning firm that operates as an AdvisoryTech company, combining certified human financial planners with a proprietary digital platform. The core offering consists of the CaveoApp — a mobile and web application that delivers personalized financial planning, tracks action plans, manages insurance policies, and sends automated reminders — supported by a range of advisory service modules covering assets/investments, pension/retirement provision, tax optimization, insurance audits, health insurance, real estate, inheritance planning, and corporate financial wellbeing. The company also offers a paid Life Insurance Check product (CHF 180) and a Pension Audit service (CHF 890 flat fee). For investment clients, Caveo integrates the Everon Swiss Pension Fund Strategy, available as an AMC structured product (ISIN CH1530880272) issued by Luzerner Kantonalbank AG. Caveo differentiates through fee-based independent advice free of product commissions, digital delivery via the CaveoApp, and a clear separation between advisory (fee-based) and implementation (broker mandate) roles.

Differentiator

Problem solved

Functional benefit

Products and services

• CaveoApp Free mobile and web application serving as the central digital platform for Caveo's financial planning services. Users explore financial topics, receive personalized action plans with prioritized tasks, track deadlines, manage insurance policies, and receive automated reminders when financial topics become relevant.
• Assets Management Service Investment structuring service focused on transparency, security, and growth. Helps clients organize investments with clear strategies aligned to their financial goals, often combined with the Everon Swiss Pension Fund Strategy product.
• Provision (Pension Provision) Service Comprehensive analysis of disability and death coverage, identifying gaps across pension fund (BVG), AHV, and pillar 3a, and delivering action plans with recommendations and app-based reminders at key moments.
• Tax Optimization Service Tax planning and optimization service covering pension fund purchases, pillar 3a contributions, real estate tax integration, and company structure alignment to identify legal options for reducing tax burden.
• Insurance Audit & Management Service Independent analysis of insurance policies to identify duplicate, outdated, or overpriced coverage and uncover gaps. Includes policy management, market comparisons, termination support, and an annual insurance check.
• Health Insurance Optimization Service Independent comparison of basic and supplementary health insurance, analyzing deductibles, benefits, and premiums to optimize coverage while reducing costs, including access to a premium comparison and cancellation tool via the app.
• Life Insurance Check Paid one-off analysis where clients upload their life insurance policy documents for expert review. Includes cost and benefit analysis, optimization proposals, and a 30-minute video consultation with a Caveo financial planner for CHF 180.
• Real Estate Advisory Service Financial advisory focused on property purchase, financing, affordability assessment, mortgage strategy, and integration of real estate decisions into pension and tax planning.
• Inheritance Planning Service Analysis and planning for estate organization, advance inheritances and gifts, investment proposals for inherited assets, and coordination of wills, marital agreements, and inheritance contracts.
• Insurance Trusteeship (Insurance Trust) Digital insurance management service with two tiers: a free broker mandate including full policy management, annual insurance check, and up to 3 offer comparisons annually; and a CHF 99/year tier with app access but no active management.
• Financial Wellbeing for Companies Corporate employee benefit program delivering financial coaching, workshops, training, and access to the CaveoApp for employees, aimed at reducing financial stress and increasing employee loyalty and productivity.
• Pension Audit Holistic financial protection analysis examining risk coverage (death and disability), retirement savings across all three pillars plus private assets, and marital and inheritance law, delivered as a prioritized action plan for CHF 890 flat fee (mandate clients).

Quantifiable outcome

• Customers can save CHF 420 annually on insurance with optimized coverage
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Various Swiss InsurerscoreChannel Partner/ Reseller/ DistributorAs a FINMA-registered untied insurance intermediary, Caveo works with multiple Swiss insurers to obtain offers for clients. Receives brokerage commissions (4%-15% of premiums) from insurers for policy administration and intermediation. Maintains independence by not being exclusive to any insurer.
• Ombudsstelle (Ombudsman)minorOthersDispute resolution body for financial services. Caveo is subject to the ombudsman's conciliation process for disputes arising from financial services, providing customer protection beyond regulatory requirements.
• FINMAcoreOthersSwiss Financial Market Supervisory Authority. Caveo is registered with FINMA as an untied insurance intermediary (register no. 35052) and is subject to direct supervision. Also subject to FinSA conduct and information duties.
• ARIFminorOthersMember of ARIF association. Membership indicates adherence to industry standards and ethical guidelines for financial advisors in Switzerland.
• Finanzplaner-Verband (Swiss Financial Planners Association)minorOthersProfessional association membership demonstrating qualification and adherence to standards of Swiss financial planning professionals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• True Wealth: Swiss digital wealth manager offering automated, independent portfolio management with transparent fees. Direct competitor to Caveo's investment and pension planning modules, serving the same middle-income Swiss retail segment.
• Selma Finance: Swiss fintech providing independent, app-based financial advice covering investments, pensions, taxes, and mortgages. Overlaps closely with Caveo's holistic AdvisoryTech positioning and target customer.
• VIAC: Swiss pillar 3a and pillar 3b investment platform owned by the Stiftung Auffangeinrichtung BVG. Competes directly with Caveo's retirement provision and tax-optimization offerings at the lower-cost end.
• Findependent: Swiss mobile-first pension and pillar 3a investment app offering low-cost, independent portfolio advice. A competing AdvisoryTech peer targeting younger Swiss savers in the same pension/retirement vertical.
• VZ VermögensZentrum: Switzerland's largest independent financial advisor with fee-based holistic financial planning across investments, pensions, real estate, and taxes. Closest traditional-services competitor to Caveo's end-to-end advisory mandate.
• MoneyPark: Swiss mortgage and real estate financing comparison/advisory fintech. Overlaps with Caveo's real estate advisory service module within the same Swiss market and buyer journey.

Broad incumbents

• Comparis: Switzerland's leading independent price-comparison platform for insurance, banking, and telecom. Provides free insurance comparison that competes with Caveo's broker mandate and CHF 99 insurance trust offering for cost-sensitive Swiss consumers.
• Swiss Life: Switzerland's largest life insurance and pension provider, offering bundled advisory, insurance, and pension products. Incumbent whose captive distribution Caveo competes against as an independent intermediary.
• Zurich Insurance Group: Global insurance incumbent with substantial Swiss retail presence across life, P&C, and pension products. Represents one of the key carrier counterparties Caveo places business with—and competes against for advisory mindshare.
• Helvetia Insurance: Major Swiss insurance group offering life, non-life, and pension products with embedded advisory. Comparable incumbent distribution against which Caveo's independent broker model must differentiate on transparency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/caveo.ch
• LinkedInlinkedin.com/company/caveo-ag

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caveo