Naviga GmbH

What Naviga GmbH does

Naviga GmbH is a Swiss independent insurance broker and financial advisory firm headquartered in Baar, Canton of Zug, with a secondary office in Bern. Founded in 2022, the company operates a dual B2B/B2C model: its B2B offering helps employed financial advisors at banks and insurance companies transition into self-employment by providing FINMA-compliant company formation, access to insurance contracts with all major Swiss insurers and selected banks, operational infrastructure, coaching, and a curated network of 30+ like-minded advisors. Its B2C offering provides holistic financial advisory to private individuals covering investments, retirement planning, insurance, taxes, and life-event planning, delivered on a non-commission-driven, fee-based or commission-disclosed basis.

The underlying technology stack is deliberately lean: the website is hosted on Vercel Inc. (USA), instrumented with Google Analytics (GA4), and secured via SSL/TLS. There are no proprietary software platforms, mobile applications, or APIs; the company's intellectual property is concentrated in its regulatory standing (FINMA registration F01410816 as an ungebundener Versicherungsvermittler), its carrier contract portfolio, and its curated advisor network. Operational scale is small (5 employees, 4 of whom form the core management team) and the professional liability coverage is CHF 2,000,000 underwritten by Zurich Insurance Group AG.

Naviga earns revenue through three channels: insurance commissions (Provisionen/Courtagen) from insurance intermediation, which clients waive upon signing the brokerage mandate; individual honorars at CHF 250/hour (excl. VAT) for advisory services; and recurring B2B fees from self-employed advisors for coaching, infrastructure, back-office services, and network access. Distribution is sales-led and consultative, anchored by a free 30-45 minute strategy conversation, supplemented by referral marketing, a monthly newsletter, and the Naviga Podcast on YouTube and Spotify. The company serves exclusively the Swiss market, with no disclosed international expansion.

Name

Naviga GmbH

Legal name

Naviga GmbH

Website

https://naviga.ch

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Naviga GmbH is a Swiss independent insurance broker and financial advisory firm that helps employed financial advisors transition to self-employment via infrastructure, carrier contracts, and a 30+ advisor network, while also serving private individuals with holistic financial planning.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Management Consulting Services (54161)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Financial advisory services
• Insurance brokerage
• Wealth management advisory
• Financial advisor coaching
• Insurance intermediation

Headquarters

HQ city

Baar

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Naviga receives commissions (Provisionen, Courtagen) from insurance companies and third parties for insurance intermediation. Clients waive the right to receive these commissions upon signing the brokerage mandate.
2. Individual Honorars: Custom hourly rates or project-based fees negotiated individually with clients for advisory services.
3. B2B Services for Financial Advisors: Coaching, infrastructure support, backoffice services, and network access provided to self-employed financial advisors for a fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Naviga GmbH is a Swiss financial advisory firm that supports employed financial advisors in transitioning to self-employment by providing company formation services, access to infrastructure and insurance contracts with all major Swiss insurers, and a peer network of 30+ advisors. It also provides independent, holistic financial advisory services to private individuals covering investments, retirement, insurance, taxes, and life-event planning.

Product overview

Naviga GmbH operates as a financial advisory company with two distinct service lines: B2B services for self-employed financial advisors and B2C services for private individuals. The B2B offering centers on three core pillars—infrastructure (access to insurance contracts and efficient tools), company formation support (Gründung), and a professional network—supplemented by coaching. The B2C offering provides holistic financial advisory to private individuals through investment planning, financial structuring, insurance advisory, and life-event counseling. The Naviga Podcast represents an additional brand offering focused on industry knowledge sharing. The company acts as an independent (ungebundener) insurance broker registered with FINMA, providing access to all major Swiss insurers.

Differentiator

Problem solved

Functional benefit

Products and services

• Gründung (Company Formation Service) Step-by-step company formation service that accompanies employed Swiss financial advisors from their employer relationship into their own firm, handling FINMA registration, website setup, and establishing a clean company structure. Targeted at advisors currently employed at banks or insurance companies.
• Infrastruktur (Advisor Infrastructure Package) Infrastructure access for self-employed financial advisors and small financial SMEs, including contracts with all relevant Swiss insurers and selected banks, efficient tools and processes, fair conditions, clear procedures, and in-house leads. Targeted at solo advisors and KMU in the Swiss financial sector who want sustainable growth.
• Netzwerk (Advisor Network Community) A community of over 30 like-minded financial advisors providing ongoing peer exchange, regular training and workshops, and partnerships for sustainable business growth. Targeted at Naviga's advisor clients who value team spirit and exchange.
• Coaching & Beratung (Advisor Coaching and Consulting) Sparring partner coaching and consulting services for financial advisors on their path to self-employment, supporting sustainable business setup and ongoing development. Targeted at advisors in transition or early-stage self-employment.
• Finanzanalyse für Privatpersonen (Private Client Financial Advisory) Independent, holistic financial advisory service for Swiss private individuals covering investment and wealth building, financial planning and structure, insurance and protection, and life-situation advisory, offering honest and understandable advice without sales pressure. Targeted at private individuals and households seeking holistic financial guidance.

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• Liechtenstein Life Assurance AGcoreChannel Partner/ Reseller/ DistributorDirect contractual relationship for insurance products as part of Naviga's portfolio of insurance partners.
• Concordia Schweizerische Kranken- und Unfallversicherung AGcoreChannel Partner/ Reseller/ DistributorDirect contractual relationship for Swiss health and accident insurance products.
• Tellco Bank AGcoreChannel Partner/ Reseller/ DistributorDirect banking partnership for financial products and services.
• Integritas Immobilien GmbHminorChannel Partner/ Reseller/ DistributorReal estate services partnership for comprehensive financial planning.
• Fidelity of Georgetown IncorporatedminorChannel Partner/ Reseller/ DistributorInternational financial services partnership.
• HMT Solution AGcoreChannel Partner/ Reseller/ DistributorBroker platform partner enabling Naviga to work with additional insurers beyond their direct contracts. Naviga works with additional insurers through HMT Solution AG.
• Broker Verbund Schweiz AGcoreChannel Partner/ Reseller/ DistributorSwiss broker network partner enabling access to additional insurance carriers. Naviga works with additional insurers through Broker Verbund Schweiz AG.
• Zurich Insurance Group AGminorOthersProvider of Naviga's professional liability insurance with coverage sum of CHF 2,000,000.
• Ombudsstelle Finanzdienstleister (OFD)minorOthersDesignated ombudsman service for client disputes, as required by Swiss financial services regulations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MLP SE: German financial advisory network operating a similar B2B model: provides infrastructure, coaching, and carrier/partner access to self-employed financial advisors. Comparable to Naviga's advisor-transition and infrastructure offerings, albeit at much larger scale and with longer track record.
• OVB Holding AG: European financial advisory group that supports independent financial advisors across multiple countries with infrastructure, products, and training. Closely comparable to Naviga's advisor-support and infrastructure services in the DACH region.
• Horbach Wirtschaftsberatung: German financial advisory firm supporting self-employed advisors with infrastructure, training, and product access. Mirrors Naviga's holistic planning and advisor-transition value proposition in the German market.

Broad incumbents

• Baloise Group: Major Swiss insurance and financial services group and one of Naviga's contractual insurer partners. A broad incumbent that competes for the same end-client wallet and offers its own advisory distribution channels.
• AWD (Allgemeiner Wirtschaftsdienst): Established Swiss/European financial advisory network (now part of Swiss Life Select) with a long-standing model of supporting independent advisors. Comparable B2B infrastructure and product access, with much deeper market presence.
• VZ Holding AG: Swiss financial services firm providing independent advisory, wealth management, and pension planning for private individuals. Comparable to Naviga's B2C holistic-advisory arm and a potential consumer-side competitor.
• Swiss Life Select: Switzerland's largest financial advisory network, part of Swiss Life Group, providing infrastructure and product access to independent financial advisors. Overlaps directly with Naviga's B2B offering but operates at significantly greater scale and brand recognition.
• Helvetia Insurance: Major Swiss insurer and Naviga contractual partner. Overlaps with Naviga's product universe and distribution-side economics; represents both a partner and a structural incumbent in Swiss advisory distribution.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/search
• YouTubeyoutube.com/@navigapodcast
• Facebookfacebook.com/search
• LinkedInlinkedin.com/company/navigafinanzen
• Instagraminstagram.com/naviga.ch

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Naviga GmbH