Roots to Riches is a complete financial coaching journey, built specifically for immigrants in Switzerland. From clearing debt and building a budget that works, all the way to pensions, tax optimisation, and long-term wealth building.
Most financial education treats each topic in isolation, a course on budgeting here, a webinar on pensions there. Roots to Riches is built differently: it connects the dots across your entire financial life, because the decisions interact.
Your Pillar 3a choice affects your tax bill. Your debt situation affects how much you can invest. Your canton affects how aggressively you should optimise. Roots to Riches holds all of that together in one coherent, personalised journey.
Delivered 1:1, paced to your situation, in English, with supporting resources in French or German available throughout.
Budgeting that fits Switzerland's cost of living. Cash flow clarity. The financial baseline everything else builds from.
Clear a strategy for existing debt, personal loans, credit, leasing, and build the habits that prevent it returning.
Pillars 1, 2, and 3a explained and optimised for your specific permit type, canton, and career timeline.
Cantonal tax strategy, deduction mapping, withholding tax for B permit holders, and smart filing decisions.
Swiss brokerage landscape, UCITS vs US ETFs, dividend withholding, and building a long-term portfolio from here.
Long-term wealth architecture, including cross-border wealth if you hold assets or family in another country.
You're past the initial settling-in phase but haven't yet built a proper financial plan for life here long-term.
Switzerland's salaries are high but so is the cost of living. If your income doesn't feel like it's building anything, that's fixable.
You know Pillar 3a exists. You've heard about cantonal tax differences. You don't yet have a picture that holds it all together.
You have financial ties to another country, family, property, or investments. You need a coach who understands that complexity.
Complete financial coaching programme · Delivered 1:1 in English
Free 20-minute conversation about your situation. We confirm Roots to Riches is the right fit, no obligation either way.
Session 1 is a full picture audit, income, debt, pensions, tax situation, goals. The foundation everything else is built on.
We work through each topic at a pace that fits your life, not a rigid schedule, but a structured progression with clear outcomes.
You leave each session with specific actions. The programme ends with a 30-day check-in to review what's been implemented.
Book the free 20-minute discovery call. No pressure, no commitment, just an honest conversation about where you are and where you want to be.