FIT Finance GmbH

What FIT Finance GmbH does

FIT Finance GmbH is a privately held, founder-controlled independent financial advisory firm headquartered in Uesslingen-Buch/Frauenfeld in the Swiss canton of Thurgau, operating since January 1, 2006. The firm serves Swiss individuals and families across the cantons of Thurgau and Zürich Weinland with seven core advisory service lines: insurance optimization (Versicherungsoptimierung), providence planning (Vorsorgeplanung), wealth building (Vermögensaufbau), property financing (Liegenschaftsfinanzierung), health insurance comparison (Krankenkassen), pension planning (Pensionsplanung), and tax optimization (Steueroptimierung). Following the 2024 acquisition of Schälchli & Partner, FIT Finance also serves corporate clients with bundled financial and insurance services. Underlying technology consists of third-party broker software (brokerweb.biz) used for customer portfolio management, policy administration, and a digital customer portal providing clients online access to their insurance policies.

The firm's primary revenue model is commission-based, earned by placing client business with over 50 product partners across insurance, banking, health insurance, and pension fund categories — including AXA, Baloise, Zurich, Helvetia, Swiss Life, CSS, Helsana, Swica, Concordia, Raiffeisen, Mobiliar, Groupe Mutuel, and others. Secondary revenue streams include fee-based tax preparation (CHF 148 flat for simple returns, CHF 188 for property-owner returns, CHF 40 per quarter-hour for additional work) and subscription-like access to the BrokerWeb customer portal. GTM is sales-led and relationship-driven: customers book consultation appointments via phone or website, and acquisition is driven primarily by referrals (with a CHF 30 voucher incentive) and organic word-of-mouth, supported by seminars, a newsletter, and the firm's website. The firm operates a multi-subsidiary structure with FF Vermögensverwaltungs GmbH (wealth management, founded 2012), Finanzteam GmbH (accounting/tax/property management, acquired 2022), and Schälchli & Partner (corporate clients, acquired 2024).

The firm is owned by founder Ueli Gerber with his son Cyrill Gerber in a succession-track role, has no external institutional investment, and employs 13 internal staff plus over 20 external field sales consultants. It serves over 4,000 clients with advised customer assets exceeding CHF 100 million. The FIT Finance® brand is a registered Swiss trademark (registration no. 1207017716, August 25, 2021), and the founder has served as president of the Swiss Financial Advisors Association since 2022.

Name

FIT Finance GmbH

Legal name

FIT Finance GmbH

Website

https://fitfinance.ch

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

FIT Finance GmbH is a privately held, founder-controlled Swiss independent financial advisory firm serving over 4,000 individual and corporate clients across Thurgau and Zürich Weinland with insurance, pension, wealth, property financing, health insurance, and tax advisory services distributed through 50+ product partners.

Ownership category

akta.pro rank

Product category

Financial Advisory and Planning

NAICS

Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAANAJ

Special Needs & Supplemental Needs Trust Services

Financial & Insurance/Asset & Wealth Management/Trust & Fiduciary Services (Trust Companies, Estate & Custody Trusts)

SECONDARYFSAAAAAL

Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

Keywords

• Independent financial advisory
• Insurance optimization services
• Retirement planning services
• Property financing advisory
• Tax optimization services

Headquarters

HQ city

Frauenfeld

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Product Partners: FIT Finance earns commissions from its over 50 insurance, banking, health insurance, and pension fund product partners for placing client business. This is the primary revenue stream reflecting the company's independent broker model.
2. Fee-Based Advisory Services: Charges professional fees for specialized services including tax return preparation (CHF 148–188+ depending on complexity) and financial planning consultations. These represent direct fee revenue for advisory services.
3. Customer Portal Subscription: Offers a digital insurance policy portal to customers (free for first 6 months, then presumably a paid service) providing ongoing platform access and policy management.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

FIT Finance provides independent financial planning and advisory services to Swiss individuals and families. Its core offering covers insurance optimization, provident and retirement planning, wealth building, property financing, health-insurance comparison, and tax optimization, with advice delivered through a network of financial advisors and more than 50 product partners.

Product overview

FIT Finance GmbH is a Swiss independent financial advisory firm offering a portfolio of seven core advisory services: Versicherungsoptimierung (insurance optimization), Vorsorgeplanung (providence planning), Vermögensaufbau (wealth building), Liegenschaftsfinanzierung (property financing), Krankenkassen (health insurance comparison), Pensionsplanung (pension planning), and Steueroptimierung (tax optimization). The firm operates with over 50 product partners (insurance companies, banks, health insurers) and provides services through a network of financial advisors. The company also acquired Finanzteam GmbH in 2022, adding bookkeeping, tax advisory, payroll, annual statements, and real estate management. Services are delivered via an online insurance comparison tool, a pension calculator, and a customer policy portal (BrokerWeb).

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Optimization (Versicherungsoptimierung) Advisory service for Swiss individuals and families that compares mandatory and voluntary insurance products to identify savings potential and reduce premiums, including vehicle, health, accident, household, liability, building, cyber, legal-expenses, travel, and watercraft coverage.
• Provident Planning (Vorsorgeplanung) Planning service that analyzes coverage for illness, accident, and disability, evaluates the Swiss three-pillar system, and recommends adjustments intended to maintain family income security during work interruptions.
• Wealth Building (Vermögensaufbau) Long-term wealth-building advisory using structured investment plans, diversification, portfolio management, bond, mixed, and equity funds, compound growth, and cost-averaging methods.
• Property Financing (Liegenschaftsfinanzierung) Advisory service that assists clients with financing real-estate purchases and aligns mortgage products with their broader financial plans.
• Health Insurance Comparison (Krankenkassen) Comparison and advisory service for Swiss residents that evaluates basic and supplementary health-insurance products from multiple insurers, compares price-performance tradeoffs, and provides a structured comparison tool.
• Retirement Planning (Pensionsplanung) Retirement planning service that analyzes the three-pillar system, retirement-age options, annuity versus capital withdrawal choices, and individual circumstances to produce a personalized pension plan.
• Tax Optimization and Return Filing (Steueroptimierung) Tax preparation and advisory service for individuals that handles simple returns, property-owner returns, and extraordinary expenses and applies cross-cantonal Swiss tax-law knowledge to legally reduce tax burdens.
• Finanzteam Accounting, Tax and Property Services (Finanzteam GmbH) Accounting, tax, payroll, annual-financial-statement, estate-consulting, company-formation, and real-estate-management services offered through FIT Finance's wholly owned Finanzteam GmbH subsidiary.
• Corporate Financial and Insurance Services (Schälchli & Partner) Consolidated financial and insurance advisory services for Swiss businesses, added through FIT Finance's 2024 acquisition of Schälchli & Partner.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

25 partnerships are on record, tiered core and minor.

• Finanzteam GmbHcoreStrategic or Co-development PartnerAcquired on January 1, 2022, Finanzteam GmbH in Marthalen expands FIT Finance's service offering to include bookkeeping, tax consulting, and property management. This acquisition enables FIT Finance to offer comprehensive financial services under one roof. In 2023, FIT Finance also purchased the office premises of Finanzteam GmbH in Marthalen, demonstrating a strong commitment to the location and the partnership.
• AXAminorChannel Partner/ Reseller/ DistributorMajor Swiss insurance provider whose products are distributed through FIT Finance's independent advisory network.
• BaloiseminorChannel Partner/ Reseller/ DistributorSwiss insurance company providing products distributed through FIT Finance.
• Zurich Insurance GroupminorChannel Partner/ Reseller/ DistributorGlobal insurance provider whose products are distributed through FIT Finance.
• HelvetiaminorChannel Partner/ Reseller/ DistributorSwiss insurance company providing products distributed through FIT Finance.
• GeneraliminorChannel Partner/ Reseller/ DistributorInternational insurance group whose Swiss products are distributed through FIT Finance.
• Swiss LifeminorChannel Partner/ Reseller/ DistributorSwiss life insurance and pension provider whose products are distributed through FIT Finance.
• CSSminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose basic and supplementary health insurance products are distributed through FIT Finance.
• HelsanaminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• ConcordiaminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• SwicaminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• RaiffeisenminorChannel Partner/ Reseller/ DistributorSwiss cooperative banking group providing banking and financial products distributed through FIT Finance.
• MobiliarminorChannel Partner/ Reseller/ DistributorSwiss insurance company providing property and casualty insurance products distributed through FIT Finance.
• Groupe MutuelminorChannel Partner/ Reseller/ DistributorSwiss health insurance and insurance provider whose products are distributed through FIT Finance.
• VaudoiseminorChannel Partner/ Reseller/ DistributorSwiss insurance company whose products are distributed through FIT Finance.
• VisanaminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• SympanyminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• AssuraminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• ÖKKminorChannel Partner/ Reseller/ DistributorSwiss health insurance provider whose products are distributed through FIT Finance.
• AssuraminorChannel Partner/ Reseller/ DistributorSwiss health insurer whose products are distributed through FIT Finance.
• SFBV (Swiss Financial Advisors Association)coreStrategic or Co-development PartnerFIT Finance is a member of SFBV, the Swiss Financial Advisors Association. CEO Ueli Gerber serves as President of the association (since 2022), helping to represent and promote the financial advisory profession in Switzerland.
• FPVS (Finanzplanerverband)coreStrategic or Co-development PartnerFIT Finance is a member of the Swiss Financial Planners Association (Finanzplanerverband / FPVS), a professional body for financial planners in Switzerland.
• OFDL (Ostschweizer Finanzdienstleister)minorStrategic or Co-development PartnerFIT Finance is a member of OFDL, the Eastern Switzerland Financial Service Providers association.
• RegfixminorStrategic or Co-development PartnerFIT Finance is a member of Regfix, a regulatory/compliance support organization for financial service providers.
• bexio (Platin Partner)minorChannel Partner/ Reseller/ DistributorFinanzteam GmbH (FIT Finance's subsidiary) is an official Platin Partner of bexio, a Swiss accounting/business software provider. The partnership provides online accounting access and integration for clients.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Comparis: Leading Swiss price-comparison and brokerage platform for insurance, banking, and telecom; competes directly with FIT Finance in Swiss health insurance comparison and insurance intermediation, but at much greater scale and with a digital-first model.
• Moneyland: Swiss financial product comparison and information portal covering insurance, banking, credit, and pensions — a direct competitor to FIT Finance's advisory and brokerage offerings in the Swiss retail financial market.
• Moneypark: Swiss digital mortgage and insurance broker offering independent advice across 100+ providers, directly comparable to FIT Finance's property financing (Liegenschaftsfinanzierung) and insurance brokerage services.
• Dextra Versicherungen: Swiss independent insurance broker and financial advisor serving SMEs and individuals, directly comparable as a mid-sized independent insurance intermediary operating in the same Swiss regulatory environment.
• VZ Vermögenszentrum: Switzerland's largest independent financial advisory firm offering financial planning, pension, mortgage, and tax services to individuals — the closest scaled peer to FIT Finance's independent multi-product advisory model.

Emerging players

• True Wealth: Swiss robo-advisor offering low-cost automated wealth management to Swiss retail investors — a structural competitor to FIT Finance's wealth building (Vermögensaufbau) service from a digital-first, low-fee angle.
• Selma Finance: Swiss fintech offering digital financial advisory and product management across insurance, pension, and investments; represents the digital-native model competing against traditional advisory firms like FIT Finance.

Broad incumbents

• AXA Switzerland: Major Swiss insurance carrier and financial services provider offering advisory through its own advisor network; one of FIT Finance's largest product partners but also a competitor on the customer-facing advisory side.
• Swiss Life Select: Advisory arm of Swiss Life, Switzerland's largest life insurer; offers full financial advisory across insurance, pension, and wealth — a much larger incumbent competing for the same individual advisory clients as FIT Finance, particularly in pension planning.
• Helvetia Insurance Switzerland: Major Swiss insurance group providing life, non-life, and financial advisory; overlaps with FIT Finance across insurance, pension, and wealth planning, and is one of the firm's distribution partners.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fit-finance-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 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 FIT Finance GmbH