How your wealth should be structured, and what it should cost.
Independent advice at the level of investment strategy, asset classes, and cost. Fee-based, no product sales, no retrocessions. The selection of specific products and every implementation step rest with you or your bank.
An independent voice, answerable only to you.
carlandko is the independent financial and investment strategy advisory of Carl Philipp Kohler, based in Bettingen in the Basel region. No product sales, no retrocessions, no distribution targets. Advice is given at the level of strategy, structure, and cost. The decision stays with you.
Quiet confidence. Numbers and reasoning, not adjectives.
No product sales, no retrocessions. Your interest is the only allegiance.
Decisions traceable to data, framework, and time horizon.
Strategy, structure, cost. Not products.
Advice at the level of investment strategy, asset classes, and cost. Not at the level of individual financial instruments.
Strategy and structure
Analysis of your overall wealth situation and definition of the investment strategy at asset-class level: equities, bonds, real assets, liquidity. Clarification of risk capacity and risk tolerance. Product selection and implementation rest with you.
Cost and transparency
Analysis of existing mandates and custody accounts for total cost: TER, custody fees, transaction costs, retrocessions. Comparison with a cost-efficient implementation at strategy level. Product selection and implementation rest with you.
Ongoing guidance
Periodic reporting at strategy level, rebalancing guidance at asset-class level, and a sparring partner for decisions you take yourself. Product selection and implementation rest with you.
carlandko gives no recommendations on specific financial instruments and accepts no orders. The selection of specific products and every implementation step rest with you or your bank.
Four steps, clear roles.
A documented process with an unambiguous division of roles: carlandko advises at strategy level, you decide and implement.
- 01
Analysis
Current situation, goals, risk capacity and risk tolerance.
- 02
Strategy
Asset allocation at asset-class level, documented in writing.
- 03
Implementation by you
You or your bank select the products and execute. carlandko gives no product recommendations and accepts no orders.
- 04
Guidance
Periodic reporting and review of the strategy.
Structure & cost, illustrated without obligation.
Generic example profiles for illustration. No recommendation, no suitability or appropriateness assessment. Every input stays in your browser, nothing is stored or transmitted.
- Equities, developed markets46%
- Equities, emerging markets8%
- Bonds22%
- Real assets14%
- Digital assets7%
- Liquidity3%
This website is for information only. It does not constitute investment advice, an offer, or a solicitation to buy or sell financial instruments. Past performance is not a reliable indicator of future results.
Patience, not passivity.
Strategies need time. Decisions follow a framework, not the headline.
Every strategy starts from your horizon and liquidity, not from a product.
A broad base across global markets, complemented by few, clearly bounded asset classes.
Total costs are laid open and consistently accounted for in the strategy.
Neither good nor bad performance is dramatised. Discipline beats reaction.
Frequent questions.
What carlandko is, and what it is not.
- Independent financial and investment strategy advisory at asset-class level
- Wealth structuring and strategic asset allocation
- Cost and transparency analysis of existing bank mandates
- Fee-based, no product sales, no retrocessions
- No personal recommendations on specific financial instruments
- No asset management, no power of disposal over client assets
- No acceptance or transmission of orders
- No FINMA supervision, no entry in a register of advisers, no affiliation with an ombudsman, as no activity subject to such requirements is performed
- No tax and no legal advice
carlandko does not provide financial services within the meaning of the Swiss Financial Services Act (FinSA). There are no personal recommendations on specific financial instruments, no asset management, no power of disposal over client assets, and no acceptance or transmission of orders. Advice is given exclusively at the level of investment strategy, asset classes, structure, and cost. Decision, product selection, and execution rest entirely with the client.
carlandko is not supervised by FINMA, is not entered in any register of advisers, and is not affiliated with an ombudsman, as it does not perform any activity subject to such requirements. carlandko provides no tax and no legal advice.
Investments carry risk, including loss of capital. Past performance is not a reliable indicator of future results.