Health insurance
LAMal/KVG choice, deductibles and supplemental cover - without sales pressure.
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Advice in English
Your financial home
in Switzerland.
From your first Swiss salary to long-term wealth - insurance, taxes, pensions and investments, from a team that has lived it.
- Independent
- No obligation
- FINMA-registered
Health & insurance
Pick the right LAMal/KVG cover from day one - often saving thousands in your first year.
Discover moreTaxes & pension
Withholding tax, annual returns, pillar 3a - clear strategy, in plain English.
Discover moreWealth & investing
Globally diversified portfolios with Swiss custody, built around your timeline.
Discover moreYou're in good hands
Swiss finances, finally explained like a friend would.
Living here is exciting - and exhausting. We take the weight off the money side: what to do first, what can wait, and what is actually worth optimising. No pressure, no jargon. Just calm, expat-aware guidance from people who have been there - backed by a Swiss advisory that has been doing this since 2020.
Not tied to a provider
As an untied broker we compare the offers of the providers we work with, rather than selling one company's products.
In your language
English, German, French and Italian - from advisors who moved here themselves.
You stay in control
One conversation, one clear plan. What happens after that is your call.
Start here
Four quick questions, about a minute. An advisor who speaks your language comes back within one business day.
Step 1 of 4·About you
Our film
The move is exciting. The paperwork isn't.
Ninety seconds on what starting over in Switzerland really feels like - and where we step in.
Sound optional - subtitles are on.
Talk to someone who has done this beforeWhat we cover
Four areas. One point of contact.
From your first Swiss salary to your long-term plan - independent guidance across every decision that matters.
Insurance
Liability, household, life and legal protection - the cover Swiss landlords and everyday life actually ask for.
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Pensions & investments
Pillar 2 and 3a, vested benefits, ETFs and globally diversified portfolios.
Learn moreNeed a mortgage or a bank account? We'll point you to people we trust.
How we work
Three calm steps - no surprises.
We meet you where you are. A short call, a clear plan, and then we handle the moving parts - so you can get on with your Swiss life.
- Step 01
First call
A 30-minute introductory call. We listen, ask the right questions, and confirm whether we can genuinely help.
- Step 02
Your plan
A clear, written plan covering insurance, taxes, pensions and investments - tailored to your permit, family and timeline.
- Step 03
We handle it
We coordinate the providers, paperwork and deadlines - and stay your point of contact as life in Switzerland evolves.
No obligation
Book your intro call
Tell us a little about your situation, then pick a time that suits you.
Tool · 2026 rates
Calculate your Swiss take-home pay.
See exactly what lands in your account each month - by canton, marital status and permit. A friendly first step before we look at the bigger picture together.
- Precise canton-specific calculations
- Updated for 2026 social and tax rates
- Single or married status, with allowances
Good to know
Expat finances in Switzerland - the basics
What is Hello Expats?
Hello Expats is the English-language brand of FINWIWO AG - an independent Swiss financial advisory in St. Gallen, active since 2020 and registered with FINMA under number 35704. We help with health insurance, insurance, taxes, pensions, investing and banking - in plain English, and tailored to the expat journey.
How do you get paid?
By the providers we work with, never by you. Where you take out a product through us, we receive a regulated brokerage fee from the provider, and we walk you through exactly how that works at our first meeting. Your first consultation and our comparisons are non-binding and cost you nothing.
Do I need to speak German to work with you?
No. We work with you entirely in English, and can also help in German, French or Italian. Swiss paperwork comes in the local language - translating and handling it is part of what we do.
What should I sort out first when I arrive in Switzerland?
Usually in this order: register at your commune, open a Swiss bank account, take out mandatory health insurance within three months, and add personal liability cover. From there we help you optimise taxes, pensions and investments.
Are you tied to any bank or insurer?
No. We are an untied broker, which means we work for you rather than for a provider. We compare across a broad range of insurers and recommend what fits your situation - our FINMA registration number 35704 is on the legal notice page.
How do we get started?
Book a 30-minute intro call, or use any of the tools on the site. Tell us your situation and we'll map out the next steps - with no obligation.
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