For immigrants & expats in Switzerland

Most newcomers quietly lose thousands of francs to a system nobody explained.

Pillar 3a, cantonal tax brackets, AHV gaps. Switzerland's financial system rewards those who understand it. I'll show you exactly where the money leaks are, for free.

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3
Pillars most people only half understand
26
Cantons, 26 different tax realities
CHF 7K
Typical yearly 3a deduction most miss
Toni Oyeyemi Founder · Swiss Money Coach
🇨🇭 Switzerland-specific advice
🌍 Resources available in French or German as needed as needed
💬 1:1 coaching sessions
📋 Pillar 3a · AHV · Tax planning
🔒 Confidential & personalised
Where it goes wrong

The mistakes are invisible, until you've already paid for them.

🏦

Pillar 3a left half-used

Every franc you don't contribute by December 31st is a tax deduction you can never reclaim. Most immigrants discover this a year too late, after the window has closed.

📉

Pension gaps from years abroad

AHV contribution gaps from time spent outside Switzerland quietly reduce your eventual pension. Most people don't discover the shortfall until retirement is already close.

📄

Filing tax the "safe" way, not the smart way

Cantonal rules reward specific decisions around deductions, timing, and structure. Filing generically because the system feels intimidating leaves real money on the table every year.

Toni Oyeyemi, Swiss Money Coach
Why listen to me

I learned this system the way you're learning it, by needing to.

I'm Swiss-Nigerian, and I built my understanding of Switzerland's financial system from the immigrant side of it, not from a textbook. The forms, the cantonal quirks, the quiet assumptions built into Swiss financial life: I had to decode all of it before I could explain it to anyone else.

That's the gap I coach into now. Not generic financial advice, but the specific, practical kind for someone navigating Switzerland without having grown up inside its rules.

1:1
Personalised coaching, not courses
CH
Switzerland-specific, always
English
English sessions
Read my full story →
From the blog

Practical guides, no jargon.

All articles →
Pensions
The complete Pillar 3a guide for immigrants
Pensions Jan 2026

The complete Pillar 3a guide for immigrants in Switzerland

Everything you need to know about Switzerland's voluntary pension pillar, contribution limits, tax deductions, and how to start if you arrived mid-year.

8 min read Read →
Tax
How cantonal taxes actually work
Tax Feb 2026

How cantonal taxes actually work, and how to legally pay less

Switzerland has 26 cantons and 26 different tax realities. Here's how to understand your cantonal tax bill and the legitimate moves that reduce it.

10 min read Read →
Pension
The AHV gap problem, and how to fix it
AHV Mar 2026

The AHV gap problem, and how immigrants can fix it

Years spent outside Switzerland before arriving create contribution gaps in your AHV record. Most immigrants only find this out when it's too late to act cheaply.

7 min read Read →
Free resource

Are you making these 5 costly money mistakes in Switzerland?

A short, specific breakdown of where immigrants in Switzerland typically lose money, and the three things worth checking this year before you file anything.

  • → How Pillar 3a deductions actually work, in plain language
  • → The AHV gap check most people never run
  • → Three questions to ask before your next tax filing
  • → When to consider professional coaching vs DIY

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