Your life changes. Your financial plan adapts.

Caveo brings clarity to your finances - structured, clear and easy to implement.

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Financial Plan
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Tasks
01
The first step is simple: download the app or book your free initial consultation directly.
02
In this call, we will analyze your life and financial situation together - and show you how structured financial planning works at Caveo.
03
The first appointment is free and non-binding. We will clarify whether Caveo is right for you - and whether we can be your companions for clarity, structure and financial sovereignty.
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Our mission:

Every working person in Switzerland should have access to high-quality financial planning. After all, good financial decisions are not a luxury - they are a prerequisite for a self-determined life.

Your financial plan starts with the issues that matter to you.

In the app, you can explore key financial topics such as pensions, taxes and real estate. You learn what is important - and book a consultation directly if required.
Together with an expert, you determine your next steps. This will result in your personal action plan.
Caveo automatically reminds you when a topic becomes important again later - so you never lose track.
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Caveo makes visible where financial gaps can arise.

Caveo looks at your family situation and financial data and recognizes potential gaps that could affect your future.
You can see in just a few steps:
Whether you will have enough money in old age.
How illness or an accident could change your income.
What happens financially when something unexpected occurs.
Everything is explained simply and step by step: how much money you have at your disposal, what may be missing and why.
If Caveo finds a gap, a consultant will be on hand to explain your options and help you with the next steps.
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Risks

Your financial plan becomes concrete tasks.

After the consultation, your financial plan is translated into actionable steps - clearly prioritized, on time and targeted. The app shows you what needs to be done and when - so that you can achieve your goals step by step.
Deposits & transfers
Deadlines & dates
Strategy adjustments
Personal to-dos
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Known from the podcast with FinanzFabio

A frank discussion about professional financial planning, pensions, investment strategies and digital implementation. In the podcast with FinanzFabio, Philippe explains how to avoid a financial patchwork and create clear structures in life - including exciting insights into the Caveo app.
Book your initial consultation now

Financial planning in Switzerland - independent, digital & personal.

Your life is more complex than individual tips. Caveo gives you clarity, structure and a financial plan that really suits you.

The problem

Many people in Switzerland are familiar with this:

A colleague has a tax tip

An influencer explains how to invest

A bank or insurance advisor sells you a product.

You end up with lots of tips, but no plan. Nobody knows your entire financial situation.

The result: a patchwork of individual decisions - without structure, without strategy.

The solution: Caveo

Caveo makes financial planning understandable, independent and feasible.

  • Support from certified financial planners - at a fair fixed price.
  • Your financial plan adapts to your life and shows you where you stand at all times.
  • Independent and fiduciary: We act exclusively in your interests.
  • Digital & personal: Caveo automatically reminds you when a topic becomes important - so you never lose track.
Typical life situations

Caveo accompanies you through all the important phases:

Starting your career - making the right first financial decisions.

Starting a family - security & planning for the future.

Home ownership - finance your own home & check affordability.

Self-employment - managing provision and risk.

Retirement - a tax-optimized start to retirement.

Questions that we answer for you
  • Can I afford to buy a home?
  • What about my pension fund?
  • How can I protect my family in the long term?
  • How do I invest sensibly - without taking too much risk?
  • How can I reduce my tax burden in the long term?
Caveo is more than financial planning

We are your partner for clarity, structure and financial sovereignty - in every phase of life.

Independent. Personal. For every facet of your life.

Is your money enough for your pension?

Two thirds of Swiss people cannot maintain their standard of living after retirement. Find out in 3 minutes what your situation is - free of charge & without obligation.

4500+ satisfied customers

FINMA & ARIF certified

100% independent

No hidden costs

Start a free prevention check
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Our process - Clear. Structured. Effective.

01
Free introductory meeting.
Get to know your advisor, ask questions and clarify your goals. Then decide whether and how to proceed.
02
Create your financial plan.
You give us the information, we take care of the rest. We analyze your situation - individually.
Contents as required:
  • Pension fund analysis & pension strategies
  • Income & tax optimization
  • Protection in the event of death, illness, disability
  • Real estate, affordability & amortization
  • Investment & savings strategy
  • Retirement planning
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Consultation.
Your consultant will present your plan to you.
  • You pay for our expertise - not through hidden costs or commissions.
  • Whether you implement it yourself, with your bank or together with us: you decide.
  • No acquisition commissions. No product commitment. Just your plan.
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Your digital catalog of measures.
After the consultation, your individual action plan is mapped digitally - prioritized, scheduled and with reminders. Our app turns strategy into implementation - at the right time, without you having to think about it.
  • Pension fund purchase
  • Payout or staggering of your pillar 3a
  • Amortizations and mortgages
  • Tax-relevant deadlines
  • Investment adjustments
So your planning doesn't remain theoretical, but is actively accompanied - with the app as your personal navigator.
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Regular check-ins.
Your life changes. Your planning adapts. Stay in touch with your advisor for updates, new questions or simply to check in.
If you wish, we can accompany you on a permanent basis:
  • Updates for new life situations
  • Tax and regulatory changes
  • Strategic impulses
  • Personal check-ins
So that your financial strategy will still suit you in five years' time.

Caveo Newsletter.

Monthly. Relevance instead of noise.

Receive clear tips, insights and updates once a month to help you make better financial decisions.

Ready for your plan?

Your life. Your goals. Your plan starts here.

Start now
Caveo - Independent Financial Planning for Switzerland | Modern Financial Advisory