Financial advice across Switzerland · in your language

Financial clarity for your life in Switzerland.

Close, expert guidance on insurance, mortgages, investments, taxes and accounting, companies, paperwork, legal matters and digital solutions.

Carolina Torras — Finanzas en Suiza
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Finanzas en Suiza

Experience that inspires trust

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Service catalogue

SERVICES

Clear, transparent prices from the start. No surprises.

Personal consultation

1 service

Immigration & paperwork

13 services

Job search

7 services

Taxes

7 services

Companies, self-employed & payroll

8 services

Insurance & coverage

5 services

Admin & translation

8 services

Digital projects

6 services
SERVICES →
Carolina Torras — Finanzas en Suiza

About me

CAROLINA TORRAS

Certified wealth advisor

I am Venezuelan-Spanish, a Certified Public Accountant (Cum Laude) with over 22 years supporting individuals and companies in their financial decisions. As Agency Manager in Zürich Altstetten at Schweizer Vermögensberatung (SVAG), I help Spanish-, Italian-, English- and Portuguese-speaking people understand and make the most of the Swiss financial system.

Español · NativeEnglish · B1Italiano · B2Deutsch · B1Português · B1

Wealth advisory is provided through Schweizer Vermögensberatung AG (SVAG), under FINMA license.

Free calculators

TOOLS

Calculators and simulators designed for your financial life in Switzerland. Indicative results.

Pillar 3a simulator

How much to contribute and how much tax you save.

Health insurance calculator

Estimate your monthly premium by canton, age and deductible.

Mortgage simulator

How much you can finance under Swiss rules.

Budget planner

Income vs expenses and what is left.

My bills & expenses

List all your bills so you forget none. Adds up automatically.

Net worth tracker

Add up your assets and debts to see your net worth.

Finance organizer

Your financial health, key dates and quick access.

TOOLS →

Events & courses

UPCOMING EVENTS

In-person workshops and meetups in Spanish for your financial life in Switzerland.

Free masterclass · in person

Settle in Switzerland

A complete, practical masterclass for those arriving in or already living in Switzerland. Everything you need to know in one session.

Sunday, 14 June 2026 11:00 · Altstetten, Zürich
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What you will see

  • Housing: how to find a flat and avoid rejections
  • Work: access to the job market and professional culture
  • Paperwork: permits, registration and obligations
  • Cost of living and financial planning
  • Essential insurance in Switzerland
  • Integration and settling in Switzerland
Free
Free masterclass · in person

Pensions in Switzerland

Everything you need to know about your retirement in Switzerland in one practical session.

Sunday, 21 June 2026 11:00 · Altstetten, Zürich
00days
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What you will see

  • The Swiss 3-pillar system
  • AHV — 1st pillar
  • BVG — 2nd pillar
  • Pillar 3a — private saving
  • Strategies to maximise your pension
  • Real cases and questions
Free
In-person event · networking

Connecting entrepreneurs in Switzerland

An exclusive space for entrepreneurs who want to connect, collaborate and grow together in Switzerland.

Saturday, 28 June 2026 11:00 · Altstetten, Zürich
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What you will see

  • Networking with entrepreneurs across sectors
  • Collaboration and strategic alliances
  • A multicultural community of professionals
Limited seats

Blog & Guides

UNDERSTAND THE SWISS FINANCIAL SYSTEM

Practical guides on wealth, insurance, mortgages, taxes and living in Switzerland.

Wealth

How to protect your wealth as a foreigner in Switzerland

Being a foreigner in Switzerland has specific legal and financial implications.

Read more →
Insurance

Basic vs supplementary insurance: what nobody explains

Basic insurance covers the essentials, but some treatments are excluded.

Read more →
Mortgages

The one-third rule: how much can I pay for a property?

Swiss banks apply the one-third rule before granting a mortgage.

Read more →
Investments

How to assess your risk profile before investing in Switzerland

Before any investment decision, understanding your risk profile is essential.

Read more →
Taxes

Tax deductions many people in Switzerland miss

There are deductions in the tax return that many foreigners are unaware of.

Read more →
Business

GmbH, AG or sole trader: which legal structure suits you?

Before setting up a company in Switzerland, you need to choose the right structure.

Read more →
Blog →

Testimonials

WHAT MY CLIENTS SAY

700+ A network of over 700 clients who trust my advice to protect and grow their wealth in Switzerland and Europe.

See all reviews on Google →

Partners

BACKED BY THE BEST

I work under the umbrella of Schweizer Vermögensberatung (SVAG), the Swiss subsidiary of Deutsche Vermögensberatung AG (DVAG) — the largest independent financial broker in Europe. Access to the best financial products and insurers in the Swiss market.

PaxGeneraliZurichHelvetiaBaloiseCSSHelsanaSwicaGroupe MutuelInnovaVisanaSympanyLiechtenstein LifeZugerberg FinanzValiantBank J. Safra SarasinPaxGeneraliZurichHelvetiaBaloiseCSSHelsanaSwicaGroupe MutuelInnovaVisanaSympanyLiechtenstein LifeZugerberg FinanzValiantBank J. Safra Sarasin

Regulatory information

SVAG collaboration terms

This information applies exclusively to services provided through SVAG Schweizer Vermögensberatung AG. FINMA register no. F01532796.

Download the official contractual terms document in your language:

V.1.02 · in force since 1 Sep 2025 · SVAG Schweizer Vermögensberatung AG, Soodmattenstrasse 4, 8134 Adliswil

Products intermediated (insurance, pensions, investments and mortgages) within SVAG wealth advisory. FINMA register no. F01532796.

Contact

BOOK YOUR FREE CONSULTATION

Tell me about your situation and we will find the next step together — no obligation.

Book an appointment