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independent financial advice

Financial advice you can understand and own.

For people in Switzerland who want a solid financial plan that is built with them, not sold to them.

what makes me different

4 commitments.

  1. education to empower

    Not advice to follow blindly, but reasoning to understand & own each decision.

  2. discipline over prediction

    I do not forecast markets. I follow rules and evidence instead.

  3. radical independence

    Paid by you alone. No commissions and no incentives from anything I recommend

  4. you stay in control

    Your money stays in your accounts. I never manage or hold it.

who you are working with

Portrait of Sergio Peláez Bover

Sergio Peláez Bover

  • Registered client adviserFinSA register, BX Swiss AG (reg. SP48306). Affiliated with the FINOS ombudsman.
  • CFA Level I and II
  • MSc Industrial EngineeringTU Munich and UPV Valencia
  • Guest lecturerESCP Berlin and St. Gallen
More about why I do this

why this matters

savings lose value. investing can grow them.

CHF 100CHF 5’000

saving for 30 years

CHF272’000

in today’s purchasing power

investing for 30 years

CHF815’000

in today’s purchasing power

3x

higher wealth from investing vs only saving, after 30 years

Illustration only, not a forecast or recommendation. Assumes CHF 1’000 a month for 30 years at 5% a year after inflation. Real returns vary and can be negative.

what do I actually do?

a plan you understand, own, and can act on.

  • investment portfolio

    Built around your objectives and the risk that suits you. Simple to explain.

  • pillars 2 and 3

    A strategy matched to your objectives, coordinated with your portfolio.

  • cost and tax efficiency

    Low-cost vehicles and brokers, and less lost to tax — it compounds over decades.

  • specific objective

    Planning around one goal if you want — retiring earlier, buying a home.

what I do not do

I do not manage your assets.

You stay in control. I do not hold your money nor trade on your behalf.

how it works

4 simple steps to your plan.

  1. 01

    introductory call

    Free, no commitment. I learn your situation, and say so if I cannot help.

    Book a free intro call (opens in a new tab)
  2. 02

    client questionnaire

    A structured questionnaire on assets, debt, saving, objectives and risk.

  3. 03

    client presentation

    ~90 min: recommended strategy & rationale, plus implementation plan.

  4. 04

    follow-up Q&A

    ~30 min, a week or two later. Questions answered, first steps done.

what is my fee?

CHF499.one-time, fixed fee

No hidden costs, no commissions.

Advice is often priced as a percentage of your savings. This is not.

start with a
conversation.
no compromises.

The first call is free, no obligation to go further. Pick a time that suits you, or email me

Book a free intro call (opens in a new tab)

sergio@valentiaadvisory.ch