about
I believe in financial planning the client can understand and own, not simply follow.
I am Sergio Peláez Bover. I work with people in Switzerland who are saving and want to build a financial plan, but are not sure where to start or who they can trust.
why I do this
Good financial planning does something people underestimate: it buys you freedom. Not luxury — freedom.
The ability to choose what you do, and what you stop doing, on your own terms rather than because you have to.
That idea has occupied me for years. I read, I studied, and I kept having the same conversations with friends and family who wanted to get this right.
What I saw repeatedly was that the people asking for help were not getting it. They came away with investment products they could not explain, not with a plan they understood and believed in. They had to trust their advisor blindly, without truly understanding their advisor’s incentives, or what fees they were really paying.
why I am not from the industry, and why that helps
I did not come from the banking or wealth management industry. I think that is an advantage rather than a gap, because I have been on the same path my clients are on: earning a salary, saving and figuring out how to invest my money.
I then built the qualifications, technical knowledge, and accumulated years of experience managing my own investments through real market conditions.
So when I explain something, it is in plain terms, the way I would have wanted it explained to me. I think this is the single thing financial advice most often gets wrong. A plan only works when you understand it and believe in it, not when you follow a recommendation blindly.
background
- MSc / Dipl.-Ing. Industrial Engineering — TU Munich and UPV Valencia (double degree)
- Passed CFA Level I and Level II exams
- Guest lecturer, ESCP Berlin and the University of St. Gallen
- Senior brand and business leadership at a global consumer goods company
- Investing personally for more than ten years
how I am regulated
I am registered as a client adviser in the FinSA adviser register maintained by BX Swiss AG (reg. no. SP48306), and affiliated with the FINOS ombudsman.
I hold no client assets, execute no transactions, and receive no payment from any product provider. You keep control of every account and every decision.
Full details on the legal and regulatory information page.
start with a conversation
The first call is free and there is no obligation to go further. Bring whatever questions you have. If I do not think I can help, I will tell you.