FAQ

Fee-based advice means that we are paid exclusively by our clients through a transparent fee – and not through commissions from product providers. This guarantees independent and objective advice.

Read more about this in our blog article: Fee-based advice vs. commission-based advice

We provide advice on financial planning, investments, retirement provision, insurance, financing, alternative investment options and asset structuring – completely independently.

The fee depends on the scope and nature of the advice. We will explain all costs transparently during a free, no-obligation initial consultation.

Yes, we offer a free, no-obligation initial consultation to understand your situation and assess your advisory needs.

No. We operate 100 per cent free of commissions and hidden fees. Our independence is the foundation of the objective advice we provide.

For anyone who wants independent advice without any sales pressure – whether you're just starting out in your career, a family, self-employed, a business, a family office or a high-net-worth individual.

We do not sell any products. You decide for yourself whether and where to take out a recommended product.

Following the initial consultation, we carry out a comprehensive analysis of your financial situation and your needs. We then develop a strategy and discuss specific recommendations for action.

Read more about this in our blog article: Honorarberatung: Wissenswertes & Ablauf

Yes, the advisory service can take place either in person or via video call – whichever suits you best.

Yes. We hold all the authorisations required by law: authorisation as a licensed securities firm (with a liability umbrella), as an insurance broker and adviser on insurance matters, as a commercial financial adviser, and as an independent credit intermediary; and we have many years' experience in financial advice.

No. Our service is aimed at anyone who wishes to receive fee-based advice – regardless of the size of their assets.

An umbrella company is a firm licensed by the Financial Market Authority (FMA) under which independent financial advisers operate who do not themselves hold a licence. They act in the name and on behalf of the umbrella company, but as independent entrepreneurs. An investment firm such as WIKIFINIA, on the other hand, holds this licence itself and can therefore provide advice and recommend products completely independently, transparently and without external constraints.

Read more about this in our blog article: Mehr als ein Honorarberater: WIKIFINIA braucht kein Haftungsdach

Yes. We have obtained the comprehensive CEFA (Certified European Financial Analyst) certification, which provides in-depth training in business valuation, financial analysis and portfolio theory.

Read more in our blog post: Der Weg zum Certified European Financial Analyst

Yes. We have obtained the comprehensive CPM (Certified Portfolio Manager) certification in order to deepen our expertise in active portfolio management and the practical implementation of investment strategies.

Read more about this in our blog article: Der Weg zum Certified European Financial Analyst

Yes. We have already received several awards – including being named 'Top Consultant' of the year by the Kurier in 2025 for the third year running. This recognition really motivates us to further enhance our high standards of consultancy. We are particularly proud that this award is based on the positive feedback from our clients.

Read more about this in our blog article: WIKIFINIA: Top Berater 2025 zum dritten Mal in Folge

Yes. We have held the Financial Services Quality Mark for over ten years; it stands for quality and trust.

Read more about this in our blog article: Das Gütesiegel der Finanzdienstleister seit über 10 Jahren

We place the utmost importance on unwavering independence, excellent professional expertise, bespoke solutions and the greatest possible transparency, as our advisory services are completely free of commissions and sales charges – our sole focus is on your success. With this values-based approach, we build a relationship of trust based on partnership, where you can always understand why we make a particular recommendation.

Read more about this in our blog article: Honorarberatung: Werte & Vorteile

WIKIFINIA is an independent fee-based adviser and a family-run business founded in 2012. The team comprises fund managers, analysts, financial advisers and lawyers. With complete product independence, we develop bespoke financial solutions and represent solely the interests of our clients.

To find the financial adviser who is truly right for you, you should look for transparency, independence, their own licence and a fee-based payment model – this will ensure that your interests are the top priority. It is also important that the adviser tailors their approach to your individual goals and possesses comprehensive specialist knowledge and qualifications.

Read more about this in our blog article: Wie finde ich den richtigen Finanzberater?

Yes. We are a sustainable company and operate entirely paperlessly in order to actively protect the environment. We are also happy to advise our clients on the planning and implementation of sustainable investment strategies within their portfolios.

No. You're never too old to plan for retirement – not even when it comes to fee-based advice. It makes particular sense, especially as you get older, to have matters such as asset protection, retirement planning and estate planning managed professionally and independently. As fee-based advisers, we help you with this without any sales pressure – in a personalised and transparent way.

Read more about this in our blog article: Geldanlage in der Pension: es ist nie zu spät damit zu beginnen

Our customer satisfaction speaks for itself: with a Google rating of 4.9 stars, we are among the highest-rated providers in our industry. Our customers particularly appreciate the high quality, reliable service and personalised support. Their positive feedback motivates us every day to give our very best.

You can read our customer testimonials here: Google Rezensionen 

Discretion and data protection are our top priorities. As a licensed securities firm, your data and enquiries are subject to the strict protection afforded by the Austrian Securities Supervision Act.

No, that's not a problem. We advise our clients entirely regardless of their nationality.

You can absolutely have the consultation in English. WIKIFINIA offers all financial consulting services – including investment, insurance, pension, and financing advice – fully in English. The firm follows a fee-only fiduciary model, meaning you receive independent, transparent advice with no commissions or hidden costs. The initial consultation is free and non-binding. You can book it directly on our website and select English as your preferred language.

More on this in our blog article: Fee-Only Fiduciary Financial Consulting for your success