My name is Toni Oyeyemi. I'm Swiss-Nigerian, and I've lived the exact disorientation that comes with arriving in a country where the financial system is efficient, sophisticated, and completely unexplained to newcomers.
I coach from that experience, not from a textbook.
Growing up between Swiss and Nigerian worlds gave me something most financial coaches don't have: a lived understanding of what it actually feels like to encounter a financial system that wasn't built for you. The Swiss system is extraordinarily well-designed, but it's designed for people who grew up inside it.
When I arrived in Switzerland, I made the same mistakes most immigrants make. I missed early Pillar 3a contribution windows. I didn't understand how my employment contract affected my Pillar 2. I filed my taxes "safely" rather than strategically, and left money behind every year until I understood the rules properly.
That process of decoding the system, not just learning it academically but actually living through the gaps and corrections, became the foundation of what I now teach. I work specifically with immigrants and expats because that's the context I know from the inside.
I hold a Financial Planning & Wealth Management certification (FPWM) and a Capital Markets & Securities Analyst designation (CMSA), which means the coaching I deliver is grounded in rigorous, professional-grade financial knowledge, not just personal experience. The combination of certified expertise and lived immigrant experience is what makes the work specific enough to actually move the needle.
I don't give generic financial advice and localise it to Switzerland afterwards. Everything I coach starts from Switzerland's actual regulatory environment, tax code, and pension structure.
I'm not advising from a position of native familiarity. I learned this system the same way you're learning it, with all the confusion and gaps that implies, and that changes how I explain it.
Every session ends with something concrete you can do. Not just understanding, a specific next step, whether that's opening a 3a account, requesting an AHV statement, or adjusting your tax approach.
A rigorous professional certification covering the full spectrum of financial planning: cash flow management, retirement strategy, tax planning, insurance, and estate planning. The FPWM provides the structured, holistic framework that underpins every client engagement, ensuring advice is grounded in a complete picture of a client's financial life, not just one part of it.
A professional designation in capital markets, investment analysis, and securities, covering equity and fixed income markets, portfolio construction, derivatives, and financial modelling. This is the technical foundation behind the investing guidance I provide: when we talk about building a portfolio from Switzerland, it's built on professional-grade analysis, not opinion.
I navigated Switzerland's financial system as an immigrant, with all the confusion, gaps, and wrong turns that implies. That lived context is what makes the professional knowledge practical: I know where the system trips people up, because it tripped me up first.
Pillar 1/2/3a strategy, cantonal tax optimisation, AHV voluntary contributions, withholding tax for B permit holders, Pillar 2 buy-in capacity, the Switzerland-specific knowledge that generic financial coaching doesn't cover.
Working with immigrants and expats across Switzerland through personalised, session-based coaching, in English, with supporting resources available in French or German as needed.
Start with the free guide — 5 mistakes most Swiss immigrants are making with their money — or book a discovery call to talk through your specific situation.