FINKE

What FINKE does

Finkeswiss Sàrl (operating as FinkeSwiss) is a Swiss private limited company headquartered in Carouge, Geneva, providing financial advisory services specializing in retirement planning and tax optimization for French-Swiss cross-border workers (frontaliers) and Swiss residents. The firm operates through five named financial advisors (Ilyesse Chaoui, Daniel Huggler, Brian Le Goff, Johan Bandel, Hari Rukman) with 20+ years of cumulative cross-border experience, serving 760+ clients across two Swiss cantons (Geneva, Vaud) and three French departments (Haute-Savoie, Ain, Geneva-adjacent). Service lines include cross-border retirement planning, Swiss resident retirement planning, tax optimization via legal deductions (LPP buybacks, 3rd pillar contributions, withholding tax rectification), and CMU/LAMal health insurance advisory at retirement.

The company offers four core advisory products — Planification retraite frontalier, Planification retraite suisse, Optimisation fiscale, and Partenariat entreprise (corporate partnerships for 50+ employee employers) — supplemented by digital tools including four free financial simulators (tax source, retirement projections, LPP, 3rd pillar), a 23-page downloadable retirement guide, and an LPP recovery service that interfaces with Switzerland's Centrale du 2e pilier to locate forgotten pension assets. No proprietary technology platform exists; all client delivery is human-led via office meetings at Route des Jeunes 35, videoconference, or on-site visits. The firm's content marketing infrastructure (blog, events, proximity desk sessions, conferences) supports top-of-funnel lead generation.

The business model is professional services with quote-based pricing in Swiss francs and a free 45-60 minute initial consultation. Engagements are multi-year and follow a four-step methodology (analysis, strategy, implementation, annual follow-up), with the firm operating under an obligation of means (not results). The B2B corporate partnership channel provides free advisory to employees of named large employers (Dentsu, Marriott, Migros, Four Seasons, MSC, Safram, Bouclodor) at no cost to the employer. Declared share capital is CHF 20,000; no external funding has been raised. Compliance posture references self-attested adherence to Swiss LPD and GDPR where applicable.

Name

FINKE

Legal name

Finkeswiss Sàrl

Website

https://finkeswiss.ch

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Finkeswiss Sàrl is a Carouge-based Swiss financial advisory firm with five advisors providing retirement planning, tax optimization, and France-Switzerland cross-border pension coordination services for frontalier workers and Swiss residents across Geneva, Vaud, and adjacent French departments.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

Keywords

• Retirement planning services
• Tax optimization advisory
• Cross-border financial planning
• Pension fund advisory
• Wealth management consulting

Headquarters

HQ city

Carouge

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Services include financial consulting, retirement planning, life insurance, investments, taxation, conferences, and insurance brokerage. Pricing is quote-based, established per case. The company is held to an obligation of means (not results) for its services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

FinkeSwiss is a Geneva-based financial advisory firm that delivers personalized retirement planning, tax optimization, and pension management services primarily for French-Swiss cross-border workers (frontaliers) and Swiss residents. Engagements cover AVS, 2nd pillar (LPP), 3rd pillar A and B strategies, capital vs. annuity decisions, cross-border tax rectification, CMU/LAMal health insurance choice, and succession planning, delivered through one-on-one consultations and supported by free digital simulators and a downloadable retirement guide.

Product overview

FINKE Swiss is a financial planning advisory firm offering a portfolio of consulting services centered on retirement planning and tax optimization for cross-border workers (frontaliers) between France and Switzerland, as well as Swiss residents. The core offerings include: Planification retraite frontalier (cross-border retirement planning), Planification retraite suisse (Swiss resident retirement planning), Optimisation fiscale (tax optimization), and Partenariat entreprise (corporate partnerships). These are complemented by digital tools including a Simulateur financier (4 financial simulators for tax source, retirement projections, LPP, and 3rd pillar) and a Guide retraite PDF guide. An LPP recovery service helps clients locate forgotten pension accounts through Switzerland's 2nd Pillar Central. The company operates through 5 financial advisors based in Carouge, Geneva, covering the Geneva, Haute-Savoie, and Ain regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Planification retraite frontalier (Cross-border retirement planning) Retirement planning service for French-Swiss cross-border workers (frontaliers) covering AVS, LPP, 3rd pillar, tax source optimization, CMU/LAMal choice, and LPP exit capital management.
• Planification retraite suisse (Swiss resident retirement planning) Retirement planning service for Swiss residents covering AVS, 2nd pillar (LPP), 3rd pillar A and B, LPP buybacks, capital vs. annuity choice, and Geneva/Vaud fiscal optimization.
• Optimisation fiscale (Tax optimization) Tax optimization service using legal deductions and financial strategies including LPP buybacks, 3rd pillar contributions, and tax source rectification for cross-border workers and Swiss residents.
• Partenariat entreprise (Corporate partnership program) Corporate partnership program providing employees with personalized tax optimization and retirement planning advisory services, offered free of charge to employers with 50+ employees.
• Récupérer mes avoirs LPP oubliés (Forgotten LPP recovery service) Free service that interrogates the Swiss 2nd Pillar Central (Centrale du 2e pilier) on behalf of clients to locate forgotten LPP accounts, with online power of attorney signature and a 4–8 week turnaround.

Named customers9 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

Seven partnerships are on record, tiered minor.

• DentsuminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• MarriottminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• SaframminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• BoucledorminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• MSCminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• MigrosminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.
• Four SeasonsminorGTM or Marketing PartnerListed as a company partner. Nature of partnership appears to be corporate employee retirement planning services.

Scale indicators7 records

Recent moves1 record

Expansion highlights6 records

Emerging players

• Findependent: Swiss fintech offering automated pillar 3 investing and retirement planning tools for individuals. Overlaps with FINKE's simulator-led, content-driven approach and competes for the same Swiss-resident retirement planning mindshare.
• Selma Finance: Swiss digital wealth advisory platform combining automated investing with human advisor access for pillar 3, ETF portfolios and retirement planning. Competes with FINKE by offering a hybrid model that may erode the pure-advisory premium.

Broad incumbents

• Banque Cantonale de Genève (BCGE): Geneva cantonal bank with deep local presence and dedicated frontalier / cross-border banking and retirement advisory offerings. Directly competes in FINKE's primary geographic market with the trust advantage of a public cantonal institution.
• VZ VermögensZentrum: Large Swiss financial advisory firm offering retirement, mortgage, tax and investment advisory across Switzerland. Serves a similar mid-market Swiss client base but at much broader scale and without FINKE's cross-border specialization.
• PostFinance AG: Swiss state-owned retail bank offering pillar 3, retirement and tax planning products across all Swiss cantons. Targets overlapping retirement-planning customers with bundled banking services; significantly larger scale than FINKE.

Others

• Migros Bank:

Direct peers

• VIAC (VIAC Services AG): Swiss pillar 3 and retirement savings platform serving individuals seeking low-cost, self-directed retirement planning. Targets the same end-customer need (retirement preparation, pillar 3, tax savings) but executes via a digital platform rather than human advisory.
• True Wealth (True Wealth Suisse AG): Swiss robo-advisor offering automated portfolio management and retirement/wealth planning for Swiss residents. Comparable to FINKE in serving retail retirement planning needs, but via an algorithm-driven, low-fee model rather than personalized advisory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/in/ilyesse-chaoui-508278121

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 FINKE