No bosses.No commissions.Just your interest.
Direct advisory in finance, tax, insurance and companies. Since 2010, with no hidden agenda.
No company behind it. No team. No commissions. Just direct, paid advisory in the client's best interest.
About Ricardo.
I have been working in finance, tax and insurance since 2010. I started in large sales companies, then in a small brokerage office, and from 2014 I was always part of the management in smaller companies.
From 2020 I collaborated through my own company with ajooda AG, a technology-driven company that refined and digitalised many processes in tax and financial advisory. There I acquired technological knowledge that most tax advisors do not have.
The idea for a complete digital tax form also came to me in 2020. The first of its kind in Switzerland: a form that left no open questions and allowed the advisor to complete the tax return without direct client contact.
Since 2026 I work completely alone, by conviction. No team, no commissions, no hidden agenda. The only payment is yours, direct, per session, before the appointment.
My job is not to sell you a product. It's to tell you the truth.