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Unsere Unabhängigkeitserklärung

innoVorsorge AG is completely independent.
That means: No commissions. No kickbacks. No hidden interests.

Our consulting is based solely on your needs – not on selling products or on partnerships with banks or insurance companies. We receive no compensation from third parties, but live exclusively from the fees of our clients.

This is how we ensure that our recommendations are objective, transparent and solely focused on your personal situation and goals.

Our Independence Declaration

Target wall with three arrows in it

What you can expect from us:

  • True Independence: No products, no commissions, no sales pressure. Our consulting is solely committed to your interest, not to that of any provider.

  • Honest Analysis of Your Starting Point: Together we discuss the status quo and identify opportunities for optimization. We focus on topics relevant to you, no unnecessary jargon. We advise you truthfully and without third-party interests.

  • Direct Recommendations: Based on our experience and your personal situation, we develop clear, actionable strategies. Since we have no product contracts, the institution you choose for implementation does not matter.

Three keys, two with round heads, one with a square head, lying on a black surface.

  • Unabhängigkeit: Your needs truly come first. No commission incentives.

  • Direktheit: Understandable solutions without jargon. You will still know what was agreed upon even 2 years later.

  • Engagement: We are passionately committed to your future, including ongoing support.

Together we develop a clear and actionable strategy for your financial and retirement situation.

Our Values

What we are, and what we are not

How we are paid
By you, and only by you: fixed prices from CHF 690 to CHF 1'890 per consultation, or CHF 190 per hour for individual questions. We receive no commissions, retrocessions or finder's fees from banks, insurers or fund providers. If we ever did, we would pass them on to you and say so.
What we do
We explain, analyse and structure: your pension situation, your retirement plan, your budget, the way you invest. You leave with a written summary and concrete next steps that you carry out yourself, with whichever bank or foundation you choose.
What we do not do
We do not sell products, we do not manage assets, we do not place orders for you and we do not give personal recommendations to buy or sell specific securities. That is why we are not a financial service provider under FinSA: we are not supervised by FINMA, not entered in a client adviser register and not affiliated with an ombudsman. The details are in our terms and conditions.
Who we are
innoVorsorge AG, Joweid Zentrum 1, 8630 Rüti ZH, UID CHE-361.719.286, registered in the commercial register of the Canton of Zurich on 23 June 2025. Founders and owners: Alessandrina Gull and Lukas Bachmann, both with several years of client advisory experience at a Swiss bank. Legal notice, terms and conditions.