smzh
smzh ag is an independent Swiss financial advisory firm that delivers holistic 360° financial planning — investments, mortgages, taxes, insurance, retirement, legal and real estate — to approximately 18,000 private and corporate clients across 13 branch offices in Switzerland on a fee-based model.
- Company typePrivate
- Founded2003
- HeadquartersZürich, Switzerland
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What smzh does
smzh ag is an independent Swiss financial advisory firm headquartered in Zürich that delivers holistic, fee-based financial planning to approximately 18,000 private and corporate clients across Switzerland. The company bundles nine advisory service lines — investments, financial planning, mortgages, real estate, legal/estate planning, tax advisory, insurance, retirement planning, and relocation — into a single integrated relationship anchored by its proprietary "360° Check-Up" methodology and a free, no-obligation initial consultation. Services are priced transparently on a per-engagement basis (e.g., CHF 3,500 for a comprehensive financial and investments analysis; CHF 2,400–2,800 for corporate pension and insurance check-ups) with no apparent product-tied commissions from banks or insurers.
The firm operates a sales-led, advisory-driven go-to-market via 13 branch offices across German-speaking and central Switzerland, supplemented by digital channels (online booking, video/phone consultations, calculators, and the smzHub and smzh Markets platforms). Distribution is reinforced by a content-marketing engine spanning a weekly TeleTop TV segment, YouTube series, whitepapers, newsletters, and SEO-optimized location pages. smzh is independent of banks and insurance companies yet works with an open-architecture ecosystem of 40+ partner institutions across Swiss insurance, banking, and pensions, and has been registered as a FINMA insurance broker since March 2006 (Register No. F01086868).
More recent strategic moves include the launch of the "Luxury Assets" advisory service (covering classic cars, watches, wines, art, and exclusive real estate), the introduction of the structured "smzh Invest" investment mandate, and CEO Gzim Hasani's positioning at the Forbes x FACES Luxury Summit in June 2024, signaling an upmarket push. The company is led by CEO Gzim Hasani and CIO Bekim Laski, with a stated headcount of approximately 200 employees. The firm is privately held with no disclosed external investors or funding rounds.
smzh firmographics
Firmographics- Name
- smzh
- Legal name
- smzh ag
- Website
- https://smzh.ch
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- smzh ag is an independent Swiss financial advisory firm that delivers holistic 360° financial planning — investments, mortgages, taxes, insurance, retirement, legal and real estate — to approximately 18,000 private and corporate clients across 13 branch offices in Switzerland on a fee-based model.
- Ownership category
- akta.pro rank
smzh industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)
Keywords
Where smzh is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices13 records
Markets served
smzh business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Financial Advisory Fees: smzh charges fee-based prices for specific advisory services delivered to both private and corporate clients. Pricing is transparent and published on dedicated pricing pages. Services include financial analysis (CHF 3,500), retirement planning, tax consulting, mortgage advisory, estate/inheritance planning, and insurance reviews. The first consultation is always free and non-binding.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Private Clients: Financial & Investments Analysis |
| Other | Pay-as-you-go | Private Clients: 360° Check-Up |
| One time/ perpetual license | Pay-as-you-go | Corporate Clients: Financing Advisory |
| One time/ perpetual license | Pay-as-you-go | Corporate Clients: Pension/Provident Fund Advisory |
| One time/ perpetual license | Pay-as-you-go | Corporate Clients: Insurance Advisory |
| One time/ perpetual license | Pay-as-you-go | Corporate Clients: Tax Advisory |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
smzh product offering
Product offeringCore offering
smzh ag is an independent Swiss financial advisory firm that delivers holistic, fee-based financial planning services to private individuals and corporate clients. Its core offering is the '360° Check-Up' — a comprehensive financial analysis covering investments, finances, mortgages, real estate, legal/estate planning, taxes, insurance, and retirement (3-pillar Vorsorge), delivered via 13 branch offices and digital channels. The firm is registered as an insurance broker with FINMA since March 2006 and operates without bank or insurance company affiliation.
Product overview
smzh is an independent financial services company in Switzerland offering a comprehensive, holistic financial advisory service. The portfolio consists of core advisory services (investments, financial planning, mortgages, real estate, legal/estate planning, tax services, insurance, retirement planning, and relocation services) supported by digital tools (budget calculator, savings calculator, property valuation calculator, smzHub, and smzh Markets platforms). The 360° Check-Up serves as the flagship comprehensive analysis product that ties together all financial aspects into personalized recommendations. For business customers, smzh offers corporate financing, occupational pension analysis, insurance check-ups, and tax advisory services. The company operates across 13 locations in Switzerland and serves approximately 18,000 customers.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 18,000 customers served across Switzerland
- +1 more outcomes
Companies that use smzh
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
smzh technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
smzh partnerships and signals
Strategic signalPartnerships
43 partnerships are on record, tiered minor.
- AllianzminorInsurance company partner visible on smzh's business partner page. Allianz is among the major insurance providers integrated into smzh's advisory ecosystem for insurance placement and risk coverage solutions.
- Asga PensionkasseminorPension fund partner shown on smzh's business partner page. Asga provides occupational pension solutions integrated into smzh's corporate client advisory for BVG/pension optimization.
- AtupriminorHealth insurance partner visible on smzh's business partner page, providing supplemental and basic health insurance solutions referenced in smzh's health insurance optimization services.
- AXAminorMajor Swiss insurance company partner displayed on smzh's business partner page. AXA is one of Switzerland's largest insurers and is integrated into smzh's insurance advisory and placement services.
- BaloiseminorSwiss insurance company partner on smzh's business partner page, offering life, property, and casualty insurance solutions incorporated into smzh's holistic advisory services.
- BaslerminorInsurance provider partner shown on smzh's business partner page, Basler offers property, accident, and life insurance products distributed through smzh's advisory.
- BrokermarketminorBrokerage partner visible on smzh's business partner page, facilitating insurance and financial product distribution within smzh's advisory ecosystem.
- ConcordiaminorHealth and insurance partner on smzh's business partner page, Concordia is integrated into the firm's health insurance optimization and advisory services.
- CSSminorHealth insurance partner on smzh's business partner page, CSS is one of Switzerland's largest health insurers and is referenced in smzh's health insurance optimization services.
- EmmentalminorRegional insurance company (Emmental Versicherungen) partner shown on smzh's business partner page.
- EponaminorInsurance partner on smzh's business partner page, Epona provides specialized insurance solutions integrated into smzh's advisory offerings.
- Futura (Swiss Life)minorPension/savings product brand of Swiss Life, shown on smzh's business partner page and referenced in smzh's retirement and pension advisory.
- GeneraliminorMajor international insurance company partner on smzh's business partner page, Generali provides life and property & casualty insurance integrated into smzh's advisory.
- GlarnerminorCantonal insurance company (Glarner Versicherung) partner on smzh's business partner page, offering cantonal property and liability insurance.
- HelsanaminorHealth and accident insurance partner on smzh's business partner page, Helsana is one of Switzerland's leading health insurers, referenced in smzh's health insurance optimization services.
- HelvetiaminorSwiss insurance group partner on smzh's business partner page, Helvetia offers a full range of insurance products integrated into smzh's advisory services.
- InnovaminorInsurance partner on smzh's business partner page, Innova provides specialized insurance solutions referenced in smzh's corporate and private client advisory.
- KPTminorHealth insurance partner (Krankenkasse) on smzh's business partner page, KPT is a Swiss health insurer integrated into smzh's health insurance optimization services.
- Migros BankminorBanking partner on smzh's business partner page, Migros Bank is a Swiss retail bank integrated into smzh's financial and investment advisory services.
- Die MobiliarminorSwiss insurance cooperative partner on smzh's business partner page, Die Mobiliar is one of Switzerland's largest all-lines insurers, referenced in smzh's insurance advisory.
- NestminorPension fund partner (Nest Sammelstiftung) on smzh's business partner page, Nest provides occupational pension solutions integrated into smzh's corporate BVG advisory.
- OKKminorInsurance partner on smzh's business partner page, OKK is integrated into smzh's insurance advisory ecosystem.
- OrionminorInsurance partner on smzh's business partner page, Orion provides specialized insurance products referenced in smzh's advisory.
- PAXminorSwiss insurance company partner on smzh's business partner page, PAX offers property and life insurance integrated into smzh's advisory services.
- PKG PensionkasseminorPension fund partner on smzh's business partner page, PKG provides occupational pension solutions referenced in smzh's corporate pension advisory.
- ProfondminorPension fund partner on smzh's business partner page, Profond is integrated into smzh's occupational pension (BVG) advisory for corporate clients.
- RaiffeisenminorSwiss cooperative banking group partner on smzh's business partner page. Raiffeisen is one of Switzerland's largest retail banks, providing banking and financial products integrated into smzh's advisory.
- Smile VersicherungenminorDigital insurance brand partner on smzh's business partner page, Smile is a Swiss online insurer integrated into smzh's insurance advisory ecosystem.
- Schwyzer KantonalbankminorCantonal bank partner on smzh's business partner page, Schwyzer Kantonalbank is a regional Swiss bank integrated into smzh's financial advisory services.
- SwicaminorHealth insurance partner on smzh's business partner page, Swica is a major Swiss health and accident insurer referenced in smzh's health insurance optimization services.
- Swiss LifeminorMajor Swiss life insurance and pension company partner on smzh's business partner page. Swiss Life provides life insurance, pension, and investment products integrated into smzh's retirement planning and insurance advisory.
- SympanyminorSwiss health and insurance provider partner on smzh's business partner page, Sympany is integrated into smzh's health insurance optimization services.
- TellcominorInsurance and pension fund partner on smzh's business partner page, Tellco provides occupational pension and insurance solutions referenced in smzh's corporate advisory.
- Key4ubsminorInsurance partner on smzh's business partner page, Key4ubs provides specialized insurance solutions integrated into smzh's advisory ecosystem.
- ValiantminorSwiss retail bank partner on smzh's business partner page, Valiant provides banking products and services integrated into smzh's financial advisory.
- VaudoiseminorSwiss insurance group partner on smzh's business partner page, Vaudoise offers property, casualty, life, and health insurance integrated into smzh's advisory.
- VontobelminorSwiss private bank partner on smzh's business partner page, Vontobel provides investment management and wealth management products integrated into smzh's investment advisory.
- VitaminorPension fund partner on smzh's business partner page, Vita Sammelstiftung is integrated into smzh's occupational pension advisory for corporate clients.
- ZugerbergminorPension fund partner on smzh's business partner page, Zugerberg Vorsorgestiftung is integrated into smzh's BVG occupational pension advisory.
- ZurichminorGlobal insurance group partner on smzh's business partner page, Zurich offers property, casualty, life, and specialty insurance integrated into smzh's insurance advisory.
- Neubauprojekte (real estate developer)minorReal estate developer partner referenced on smzh's property search page, providing access to pre-market new construction projects as part of smzh's exclusive real estate search services.
- AKB (Appenzeller Kantonalbank)minorCantonal bank partner visible on smzh's financial services page under the partner network section. AKB provides banking solutions integrated into smzh's financial advisory.
- AlvosominorFinancial services partner on smzh's financial services partner network section, Alvoso provides specialized financial solutions integrated into smzh's advisory.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
smzh competitors and assessment
Company assessmentBroad incumbents
- Die Mobiliar: Swiss insurance cooperative with a general agency advisory network across Switzerland, including financial advisory. Overlaps with smzh on personal advisory and insurance placement, but rooted in captive insurance products.
- Swiss Life: Switzerland's largest life insurer and pension provider, also offering wealth management and financial advisory. Comparable to smzh on the insurance/pension side, but a vertically integrated incumbent rather than an independent intermediary.
- PostFinance: Major Swiss retail financial services provider offering banking, mortgages, retirement, and investment products. Overlaps with smzh across the same retail financial topics, but as a large incumbent with its own products rather than an independent advisor.
- Raiffeisen Schweiz: Swiss cooperative banking group with deep retail branch coverage and advisory services including mortgages, investments, and pensions. Competes with smzh for the same SME and retail advisory customers, but as a bank-led model.
- Vontobel: Swiss private bank and asset manager offering wealth and investment advisory, including pension and mortgage solutions. Comparable to smzh on the investment advisory side, especially for HNW clients, but with a bank-led rather than independent model.
Emerging players
- True Wealth: Swiss robo-advisor offering automated, low-cost portfolio management to retail and mass-affluent clients. Targets the same Swiss private client base as smzh's investment advisory, but with a digital-only delivery model at lower cost.
- Finpension: Swiss fintech specializing in 3a/3b pillar pension products and ETF-based investing. Competes with smzh in the retirement planning and pension advisory segment, with a fully digital, low-fee model.
Regional players
- VP Bank: Liechtenstein-headquartered private bank with a Swiss presence, offering wealth and investment advisory to HNW and family office clients. Comparable to smzh's premium investment and luxury asset advisory, but with cross-border/regional rather than domestic-only focus.
Direct peers
- VZ VermögensZentrum: Swiss independent financial advisor offering holistic, fee-based wealth, retirement, mortgage, and tax planning across multiple Swiss branches. Closest comparable to smzh's 360° model, independent positioning, and branch-led distribution strategy.
Others
- AXA Schweiz: Major Swiss insurer offering life, health, and property-casualty products and financial advisory through a captive agent network. Functions as a partner in smzh's ecosystem while also competing for insurance and pension advisory mandates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
smzh social profiles
Digital presencesmzh financial estimates
Financial estimateRevenue estimate
Valuation estimate
smzh leadership team
Management profileNumber of profiles
Profiles1 record
smzh funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
smzh M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about smzh
What does smzh do?
smzh ag is an independent Swiss financial advisory firm that delivers holistic, fee-based financial planning services to private individuals and corporate clients. Its core offering is the '360° Check-Up' — a comprehensive financial analysis covering investments, finances, mortgages, real estate, legal/estate planning, taxes, insurance, and retirement (3-pillar Vorsorge), delivered via 13 branch offices and digital channels. The firm is registered as an insurance broker with FINMA since March 2006 and operates without bank or insurance company affiliation.
Is smzh a public or private company?
smzh is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was smzh founded?
smzh was founded in 2003. It employs 101 to 250 people.
Where is smzh based?
smzh is headquartered in Zürich, Switzerland, in the Europe region.
How does smzh make money?
One revenue line is on record: financial Advisory Fees.
Who are smzh's main competitors?
Broad incumbents on record are Die Mobiliar, Swiss Life, PostFinance, Raiffeisen Schweiz and Vontobel. Emerging players are True Wealth and Finpension. VP Bank is listed as a regional player. VZ VermögensZentrum is listed as a direct peer. AXA Schweiz is listed as an others.
Does smzh have an API?
No public API is recorded for smzh.
What industry is smzh in?
smzh's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAAAAAG, Managed Accounts & Model Portfolios (SMA/UMA). Its NAICS code is 523940 and its SIC code is 6282.