Vemo.

Vemo is a Swiss financial advisory brand focused on helping people understand and manage their money with greater transparency. Its advisers work on a fee basis rather than earning commissions, and the company states that its investment advice is FIDLEG-compliant. Customers can book a free introductory meeting and receive personalised guidance without product incentives or retrocessions.

Vemo’s services include reviewing and optimising Pillar 3a arrangements, assessing investment fees and providers, discussing ETF investing, planning for retirement, and providing fee-based second opinions. The Vemo app and customer area are designed to bring advice and financial information together, including portfolio recommendations, consultation records, adviser contact and 3a check results. The site also presents plans for an app that gathers insurance policies and uses a fair-share model to return value to members.

For independent financial planning, Vemo offers online tools covering inflation, compound interest, budgeting, cash flow, financial independence, investment risk and canton-by-canton capital withdrawal taxes. Its aim is to make financial decisions clearer and help customers retain control of their money.