Rayan Gharbi | Conseil Financier Indépendant

I wholeheartedly recommend Rayan's advice! He answered all my questions with great patience and professionalism. He doesn't try to push just any account on you; he takes the time to find the best solution for your situation. He guides and advises without ever making decisions for you or imposing anything. I wouldn't hesitate to recommend him to my friends and family. Well done and thank you for your personalized service and your human touch!

As an entrepreneur, I value efficiency and transparency above all else, and that's exactly what I found with Rayan Gharbi. Beyond his professionalism and solid experience in Switzerland, you immediately sense his mastery of his subject (all the diplomas and certifications are there, it's all above board). What truly convinced me was his innovative billing model: there's no conflict of interest, which makes his advice much fairer and more objective. Rayan has a very positive mindset and a pioneering vision; he knows exactly where his added value lies and doesn't waste time with generic solutions. His investment proposals are truly distinctive compared to what you see elsewhere. A relationship built on trust and high-quality advice that I recommend without hesitation.

I had a great experience working with Rayan. He really knows what hes talking about. I also really appreciate his fee-only financial planner approach, it's definitely the best way to go. A great experience overall and well worth the money.

I can only recommend Rayan for his professionalism. I tend to be wary of financial consultants because I’ve had many negative experiences in the past, where I felt like I was being pushed to purchase products and services even though it didn’t correspond to my needs, but in my experience Rayan’s recommendations are clear and adapted to my needs

I was initially hesitant about trying out the service, but the quality of the advice Rayan provides quickly won me over. Clear explanations, doesn't mind repeating explanations for people starting out, well-structured ETF strategies, and a strong focus on long-term financial optimization. A very professional and trustworthy service. Rayan used to work in Swiss banks so he was able to quickly point out everything wrong with my current setup and find solutions that my bank didn't care to share with me.