Caveo

Caveo is a Swiss fintech offering independent, digital financial planning for working people in Switzerland, combining certified financial planners, an app developed in-house, and an algorithmically controlled action plan in one integrated system. In the app, users explore key financial topics such as pensions, taxes, insurance, real estate, and investments, and Caveo analyzes their family situation and financial data to make potential gaps visible — for example whether their money will last in old age or how illness or an accident could change their income.

After a consultation with an advisor, the personal financial plan is translated into concrete, prioritized tasks — deposits and transfers, deadlines, strategy adjustments, and personal to-dos — and the app automatically reminds users when a topic becomes relevant again. Advice is provided on an independent, fiduciary basis at a fair fixed price, and alongside private customers Caveo offers financial-wellbeing coaching for companies' employees. The company states it serves more than 4,500 customers and is FINMA and ARIF certified.