Creda Finanz und Beratungs AG

What Creda Finanz und Beratungs AG does

Creda Finanz und Beratungs AG is an independent Swiss wealth management firm founded in 2011 by Beni Studer in Tübach, Canton of St. Gallen, and operating under FINMA authorization as a wealth manager under the Financial Institutions Act (FINIG) since early 2023. The firm serves high-net-worth individuals, families, and family enterprises in Eastern Switzerland (Ostschweiz), with a team of approximately 11-12 employees including partners, senior wealth advisors, and customer support staff. Its core offering is structured into two product lines: Vermögensverwaltung (discretionary wealth management) and Anlageberatung (investment advisory), with a third Multi Family Office service line providing holistic wealth administration, succession planning, and generational wealth preservation across the firm's most complex family clients.

The firm's underlying methodology is a scientifically-based, structured investment process anchored by monthly investment committee meetings and transparent reporting. Creda positions itself as independent and conflict-free, with no proprietary product distribution and no captive bank affiliation. Distribution is entirely direct: client relationships are built through personal referrals, partnered advisor networks, and the Unternehmerdialog entrepreneur dialogue event series hosted in partnership with regional institutions such as OST Ostschweizer Fachhochschule, Swiss Credit Partners, Investerra, and b2ventures.

Revenue mechanics follow standard Swiss independent wealth management practice: AUM-based fees (likely blended ~0.60%-1.00%) for discretionary Vermögensverwaltung, plus retainer-style fees for Anlageberatung and Multi Family Office services. Pricing is not publicly disclosed. The customer base is concentrated in German-speaking Switzerland, with operational geography limited to a single country. The firm has no external institutional investors, no parent company, and no disclosed funding rounds.

Name

Creda Finanz und Beratungs AG

Legal name

Creda Finanz und Beratungs AG

Website

https://creda.ch

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Creda Finanz und Beratungs AG is an independent, FINMA-authorized Swiss wealth manager and Multi Family Office in Tübach (Canton of St. Gallen) serving high-net-worth individuals, families, and family enterprises in Eastern Switzerland with discretionary wealth management, investment advisory, and generational wealth planning services.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Family Office Services (Single & Multi-Family Office) (FSABADAF), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

• Wealth management services
• Investment advisory
• Multi family office
• Portfolio management
• Financial planning

Headquarters

HQ city

Tübach

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Professional investment proposals based on individual investment strategies. Clients receive recommendations which they can accept or reject at their discretion. The company acts as a sparring partner for clients.
2. Wealth Management Services: Full administration of client assets based on jointly developed investment strategies. Clients receive regular and transparent reporting on results.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Creda Finanz und Beratungs AG provides independent wealth management (Vermögensverwaltung), investment advisory (Anlageberatung), and Multi Family Office services for high-net-worth individuals, families, and family enterprises in Eastern Switzerland. Under a structured, scientifically-based investment process overseen by a monthly investment committee, the firm develops and implements long-term wealth strategies with a focus on generational wealth preservation. Services are delivered independently, without proprietary product conflicts, under FINMA authorization pursuant to FINIG.

Product overview

Creda Finanz und Beratungs AG operates as an independent Swiss wealth management firm offering two interconnected service lines: Vermögensverwaltung (Wealth Management) and Multi Family Office. The Vermögensverwaltung service encompasses both Anlageberatung (Investment Advisory) for clients who make their own implementation decisions, and full discretionary Vermögensverwaltung where Creda manages assets directly. The Multi Family Office extends beyond traditional wealth management to provide comprehensive support for family businesses and complex family situations, focusing on generational wealth preservation. The company is independent with no conflicts of interest, does not sell proprietary products, and operates under FINMA authorization as a wealth manager according to FINIG.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 15 years of continuous operation with growing client base

Named customers1 record

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor.

• Investerra AGminorStrategic or Co-development Partner · 1 January 2024Swiss FinTech startup emerging from an innovation project of St. Gallisch-Appenzellische Kraftwerke AG. Investerra presents innovative financing models for renewable energy access in Switzerland. Domenic Kurt (CEO) was a speaker at Creda's second 'Unternehmerdialog' event discussing new financing pathways.
• Swiss Credit Partners AGminorStrategic or Co-development Partner · 1 January 2024Matt Moser (Chairman of the Board) participated as a panelist in Creda's entrepreneur dialogue discussing investment alternatives in the zero interest rate environment. Represents Creda's professional network in the Swiss financial ecosystem.
• OST – Ostschweizer FachhochschuleminorStrategic or Co-development Partner · 1 January 2024Eastern Switzerland University of Applied Sciences. Prof. Ernesto Turnes (Head of Institute for Finance and Law) provided expert commentary on monetary policy and economic background of the low interest rate phase at Creda's entrepreneur dialogue.
• b2ventures AGminorStrategic or Co-development Partner · 1 January 2024Venture capital firm. Partner Stephan Schürer introduced venture capital concepts at Creda's first entrepreneur dialogue, sharing insights on startup investment dynamics including success rates and notable investments.
• VITAMIN 2 AGminorImplementation/ SI/ Consulting PartnerDigital agency responsible for concept, design, and technical implementation of Creda's website. Located at Bogenstrasse 7a, 9000 St. Gallen.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Regional players

• St. Galler Kantonalbank AG: Cantonal bank headquartered in St. Gallen with a significant Private Banking franchise serving Eastern Switzerland, including HNW individuals and family clients. Direct competitor in Creda's core Ostschweiz geography and former employer of most of Creda's senior team, providing both client pipeline and competitive threat.

Direct peers

• Maerki Baumann & Co. AG: Independent, family-controlled Swiss wealth manager headquartered in Zurich providing discretionary asset management and multi-family office services to HNW and UHNW clients. Closest model comparison: independent ownership, no proprietary product distribution, and a discretionary/advisory split similar to Creda's.
• Eichenberger & Partner Vermögensverwaltungen AG: Swiss independent wealth manager providing discretionary asset management and advisory services to private clients. Closely comparable in size profile, independent ownership, and pure-play wealth management focus without bank-distribution conflicts.
• Hyposwiss Privatbank AG: Zurich-based independent Swiss private bank focused on HNW wealth management, family office services, and mortgage financing. Comparable as an independent Swiss wealth manager offering integrated family-office-style services to private clients across multiple generations.
• Reichmuth & Co: Lucerne-based independent Swiss private bank and wealth manager offering discretionary asset management, investment advisory, and multi-family office services. Comparable to Creda as a regionally anchored, partnership-owned independent wealth manager with HNW focus and no third-party distribution model.

Broad incumbents

• Pictet Group: Geneva-headquartered Swiss private bank and asset manager with a wealth management division serving HNW/UHNW families. Comparable on Swiss HNW wealth management and family office offerings, but with significantly broader product, geographic, and balance-sheet capabilities.
• Vontobel: Swiss-listed wealth manager with a dedicated Wealth Management unit serving HNW and UHNW clients globally. Comparable as a Swiss wealth manager serving HNW clients with discretionary and advisory mandates, but operates at materially larger scale and with broader product capabilities.
• Julius Baer Group: Leading Swiss pure-play wealth manager with global footprint serving HNW and UHNW clients. Overlaps with Creda on the Swiss HNW advisory and discretionary wealth management market but operates at vastly larger scale and with international reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/creda-finanz-und-beratungs-ag

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Creda Finanz und Beratungs AG