neidhart rüttimann & partner ag

What neidhart rüttimann & partner ag does

neidhart rüttimann & partner ag is an independent Swiss financial advisory and fiduciary firm headquartered in Winterthur, founded in 2017. The firm provides holistic financial services to a focused client base of physicians, dentists, veterinarians, entrepreneurs, and private individuals across Switzerland, with more than 500 physicians advised to date. Its core offering spans financial planning, tax optimization, insurance portfolio management, pension and Vorsorge planning, mortgage strategy and financing, estate planning, and full-service Treuhand (fiduciary/bookkeeping/payroll/VAT). Specialized practice lifecycle services cover medical and dental practice founding (Praxisgründung), acquisition (Praxisübernahme), ongoing management (Praxisführung), and succession planning (Nachfolgeplanung), with claimed client savings of over CHF 100,000 in succession engagements and 50-60% lower risk insurance premiums through collective medical-professional schemes.

Service delivery is structured around the firm's proprietary GUT-Philosophie (Ganzheitlich / Unabhängig / Transparent): holistic single-source advisory, full independence from proprietary financial product distribution, and full pass-through crediting of all third-party commissions and fees to client invoices. The firm is FINMA-registered as an independent insurance broker and holds memberships in Treuhand Suisse, FPVS, and SFPO, with CFP-credentialed partners. Technology is described as modern fiduciary software with high automation for accounting, annual statements, and payroll administration; no AI/ML capabilities, APIs, or proprietary digital platforms are disclosed. The go-to-market is sales-led and personal: direct advisory from a single Winterthur office, supported by a content marketing platform (Praxispedia), a newsletter channel, and a dense partnership ecosystem with Swiss medical associations (Ärztekasse, Pro Medico Stiftung, medisuisse, SSO-Stiftung, medpension, PAT-BVG, Saekk). Revenue is generated on a fee/honorary basis with no proprietary financial product distribution, making it a pure-play advisory and fiduciary services business.

Name

neidhart rüttimann & partner ag

Legal name

neidhart rüttimann & partner ag

Website

https://nrup.ch

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

neidhart rüttimann & partner ag is an independent Swiss financial advisory and fiduciary firm based in Winterthur, providing holistic financial planning, tax, insurance, pension, mortgage, and Treuhand services to physicians, dentists, veterinarians, entrepreneurs, and private individuals across Switzerland.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920), Management, Scientific, and Technical Consulting Services (5416)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Trust Administration & Fiduciary Accounting Services (FSAAANAF), Personal Trust & Fiduciary Administration (FSAEAKAA), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Financial advisory services
• Tax optimization consulting
• Insurance portfolio management
• Fiduciary accounting services
• Medical practice consulting

Headquarters

HQ city

Winterthur

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Advisory/Honorary Fees: Services provided on a fee-based (honorary) basis. The firm does not offer its own financial products. Commissions and fees received from third parties (insurance companies, financial institutions) are fully credited to client invoices following the GUT-Philosophie.
2. Insurance Portfolio Management: Managing insurance portfolios for clients. Commissions or annual fees from insurance providers are credited to client invoices.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

neidhart rüttimann & partner ag provides independent, holistic financial advisory and fiduciary services for physicians, dentists, veterinarians, entrepreneurs, and private individuals in Switzerland. Core deliverables include financial planning, tax optimization, insurance portfolio management, pension and retirement planning, mortgage strategy and financing, estate planning, practice founding/acquisition/management advisory, succession planning, and Treuhand (fiduciary) services covering bookkeeping, annual statements, payroll, VAT declarations, and personnel administration. All services are delivered from a single source under the proprietary GUT-Philosophie (holistic, independent, transparent) methodology.

Product overview

neidhart rüttimann & partner ag is an independent financial advisory firm serving doctors, dentists, and entrepreneurs in Switzerland. The company operates as a single, unified advisory practice offering comprehensive financial services centered on the proprietary GUT-Philosophie methodology. The core offering includes financial planning, tax optimization, insurance optimization, pension planning, and trust services (Treuhand) for individual clients. Specialized services address the unique needs of medical and dental practices through practice founding (Praxisgründung), practice acquisition (Praxisübernahme), practice management (Praxisführung), and succession planning. Corporate services cover business establishment (Unternehmensgründung) and financing. The GUT-Philosophie serves as the unifying advisory framework emphasizing holistic, independent, and transparent client service.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning (Finanzplanung)

Quantifiable outcome

• Insurance premium savings of up to 50% through collective insurance solutions
• +4 more outcomes

Named customers5 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

Feature1 record

Partnerships

17 partnerships are on record, tiered core and minor.

• ÄrztekassecoreChannel Partner/ Reseller/ DistributorProfessional association partner for physicians providing billing services and practice management solutions.
• Howden (FMCH Versicherungen)coreTechnology or IntegrationInsurance partner providing collective insurance solutions for medical professionals.
• Mark & MichelcoreStrategic or Co-development PartnerLegal partnership providing legal advisory services for practice establishment and corporate matters.
• MediservicecoreChannel Partner/ Reseller/ DistributorService provider for physicians affiliated with medisuisse, providing billing and administrative services.
• medisuissecoreChannel Partner/ Reseller/ DistributorProfessional association providing social security settlement services and collective insurance solutions for physicians.
• medpensioncoreChannel Partner/ Reseller/ DistributorPension fund solution specialized for medical professionals.
• MedviaminorChannel Partner/ Reseller/ DistributorHealthcare industry association partner.
• PAT-BVGcoreChannel Partner/ Reseller/ DistributorProfessional pension fund solution provider.
• Pro Medico StiftungcoreChannel Partner/ Reseller/ DistributorFoundation providing professional services for physicians.
• SaekkcoreChannel Partner/ Reseller/ DistributorProfessional association for physicians providing insurance and pension solutions.
• SSO-StiftungcoreChannel Partner/ Reseller/ DistributorSwiss Dental Association foundation providing professional services for dentists.
• Steuerkanzlei Rolf BenzcoreStrategic or Co-development PartnerTax and legal advisory partner on Advisory Board. Law firm with Prof. FH, Dr. iur. qualification.
• RUOSS VOEGELEcoreStrategic or Co-development PartnerLegal advisory partner on Advisory Board. Law firm partnership.
• RUSSI & PARTNER AGcoreStrategic or Co-development PartnerTax advisory partner on Advisory Board. Firm led by certified tax expert (eidg. dipl. Steuerexperte).
• Kanzlei im Turm AGcoreStrategic or Co-development PartnerLegal advisory partner on Advisory Board.
• eGroup-GruppecoreStrategic or Co-development PartnerTax advisory partner on Advisory Board. Led by Tamara Tormen, Betriebsökonomin HWV, eidg. dipl. Steuerexpertin.
• PROBST PARTNER AGcoreStrategic or Co-development PartnerLegal advisory partner on Advisory Board.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Bank Cler (formerly Bank Coop): Swiss regional bank offering financial advisory, mortgage, and insurance intermediation to private clients. Competes with nrup on mortgage brokerage and holistic financial planning for the mass-affluent Swiss professional segment.
• PAX Versicherung: Swiss mutual insurer specializing in life and pension solutions. Comparable to nrup in the pension and Vorsorge planning layer, with particular strength among Swiss self-employed and professional clients.

Emerging players

• True Wealth: Swiss robo-advisor offering low-cost passive portfolio management to mass-affluent and high-net-worth clients. Targets the same client demographic (Swiss professionals, including physicians) with a digital-only model, representing a structural threat to the human-advisory layer nrup sells.
• Findependent: Swiss digital wealth management platform offering automated investment solutions. Overlaps with nrup's Begleitung bei Vermögensanlagen offering and targets a similar young professional and mass-affluent Swiss client base.

Broad incumbents

• Swiss Life: Switzerland's largest life insurer and a major provider of pension and wealth solutions, including the Swiss Life Pension Services for self-employed professionals. A scaled incumbent with overlapping pension, insurance, and wealth advisory capabilities that competes for the same medical professional wallet.
• AXA Switzerland: One of Switzerland's largest insurance and financial services providers, with significant presence in health, life, and wealth products. A scaled incumbent whose agent and advisory network overlaps with nrup's insurance and pension advisory services.
• Helvetia Versicherungen: Major Swiss insurance group offering life, non-life, and pension products plus financial advisory. Comparable on the insurance brokerage and pension planning dimensions and a potential partner through the Howden/FMCH collective insurance channel that nrup accesses.

Direct peers

• MoneyPark: Swiss mortgage brokerage that uses competitive tendering across multiple banks/insurers to negotiate lower rates — directly mirroring nrup's Hypothekarstrategie offering (0.2-0.3% rate advantage claim) and its broader insurance-tendering playbook.
• VZ Vermögenszentrum: Switzerland's largest independent financial advisor for private clients. Highly comparable to nrup: fee-based advisory, holistic financial planning, pension/insurance/tax services — but operating at national scale rather than medical-vertical niche.

Others

• Contovista: Swiss fintech providing data aggregation, financial planning, and banking software. An enabling technology peer whose platform could either complement nrup's fiduciary software stack or be used by competing Swiss banks and advisors to scale similar services at lower cost.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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 neidhart rüttimann & partner ag