I appointed Mr. Frei in 2020 to plan and implement a retirement plan for my wife and me. We decided on a monthly savings plan fully invested in equities, globally diversified. Beforehand, I had engaged with various books and podcasts about funds, stocks, real estate, and investment concepts. However, I did not take action for one to two years. Initially, I hesitated due to the costs associated with a fee-based consultant. In hindsight, I should have assigned the task earlier simply to get started.

Mr. Frei conducted a consultation involving many questions about my situation, a risk analysis, and everything else that belongs to the process. He took care of fund selection for me, recommended a fund bank, and handled all the minor details where he could assist. This was ideal for me, as I felt somewhat overwhelmed by the options available.

At no point did Mr. Frei respond condescendingly, even when he had to explain or calculate things multiple times. Since there were no commissions involved and everything was transparent, I still feel good about my advisor working for me and not for financial corporations. Furthermore, Mr. Frei possesses a wealth of practical knowledge and experience, as well as honesty, which I find lacking in many bankers. As a result, an investment tailored to my needs was created that has remained significantly positive despite the poor years following 2020 and continues to perform well.

What I particularly appreciated or still appreciate:

• I have full control at all times. I did not have that with pension schemes or annuities.

• No hidden fees or sales tactics, no promises without guarantees.

• I was listened to and treated with respect on an equal footing, despite the relatively small investment amount.

• I still have a point of contact who takes care of everything and answers my questions. It has been a great learning experience.