Moritz Wealth
Private wealth · Since 2008
Moritz Wealth
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Moritz Wealth Moritz Wealth

Wealth, managed with precision.

Private wealth management, appointed by leading firms to advise their clients one-to-one — with one disciplined process and a record built since 2008.

01Heritage

Since 2008.

Markets have changed more in eighteen years than in the fifty before. The way we look after capital has not.

Experienced judgement, careful research and precise execution have guided every portfolio we manage from the very first day. It is why more than 140 client families and companies trust us today, and why 98% renew their mandate every year.

Two Moritz Wealth specialists reviewing a model on screen
18 years
of data-led investing, through every kind of market
2008
The first strategy

Our first data-led strategy goes live in the autumn of the financial crisis — and holds its course.

2011
Built in-house

We develop our own execution systems to place orders quietly and at the best available price.

2014
Moritz Wealth

The firm is founded and begins advising clients on behalf of partner institutions.

2019
Across borders

Multi-currency portfolios for clients who earn, live and retire in different countries.

Today
Trusted by institutions

Established financial companies entrust us with their clients, one relationship at a time.

02Founder

Jonathan Moritz

Jonathan Moritz, founder and lead advisor, in the office

“A model can tell you what the evidence says. It takes a person to tell you what it means for your family.”

Jonathan founded Moritz Wealth in 2014 to bring the discipline and depth of institutional investing to the clients of the companies we partner with. He oversees every mandate personally, while each client is looked after one-to-one by a dedicated specialist.

CFA charterholder, MSc from the University of St. Gallen, eighteen years with private and corporate clients — most of them cross-border.

Full biography →
Evidence over excitement
03Standards

Care you can see.

Every portfolio decision is researched, reviewed by two specialists and recorded with its reasoning — so you always know what we did, and why it serves your goals.

01
Your assets, in your name
Held at UBS Switzerland AG or Bank Julius Bär — two of Switzerland’s most respected custodian banks.
02
Clarity from day one
Objectives, risk profile and reporting agreed together and set out in one clear document.
03
Four eyes on every decision
Each allocation is prepared by one specialist and confirmed by a second before it is placed.
04
A personal review each quarter
Clear reporting and a conversation with your advisor about what happened, and what comes next.
A Moritz Wealth decision log on the desk
Legal entity
Moritz Wealth AG
CHE-412.867.305
Supervision
FINMA-licensed portfolio manager
OSIF member no. 2871
Custodian banks
UBS Switzerland AG
Bank Julius Bär & Co. AG
Professional indemnity
Zurich Insurance
€10 million cover
04People

The people behind your portfolio.

Meet the team →
The boardroom where every mandate is reviewed
Jonathan Moritz, Founder · Lead advisor
Jonathan Moritz2014
Founder · Lead advisor

Chairs every mandate review and stays your first call.

Daniel Keller, Head of research
Daniel Keller2015
Head of research

Former equity analyst. Leads the research behind every strategy we run.

Julien Arnaud, Models & allocation
Julien Arnaud2017
Models & allocation

Designs the portfolio and currency models behind every mandate.

Samuel Adeyemi, Chief risk officer
Samuel Adeyemi2014
Chief risk officer

Thirty years at Swiss private banks. Keeps every portfolio true to plan.

Clara Hofmann, Client operations
Clara Hofmann2018
Client operations

Onboarding, custodian liaison and reporting. Your day-to-day contact.

05Services

What we provide.

Established financial companies entrust us with their clients. Each relationship is then looked after one-to-one by a dedicated specialist, on behalf of the institution that introduced you.

06Journal

Written when there is something to say.

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A specialist in a server aisle
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07Client reviews

In our clients’ own words.

4.9/ 5
★★★★★
Average client rating
from annual reviews
★★★★★

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Published with each client's consent; surnames withheld at their request. Client statements describe individual experiences.

Read all reviews →
Close-up of a mechanical watch movement

Begin with a conversation.

Whether you are reviewing an existing account or considering the next step, your dedicated specialist is one message away — by phone, email or WhatsApp.
ApproachSince 2008

Judgement, refined by data.

For eighteen years we have combined experienced judgement with quantitative research and precise, systematic execution. The result is a process that is calm, consistent and continually improving.

Two Moritz Wealth specialists reviewing a model on screen

A long record, kept quietly.

The vocabulary around this work has changed many times. The method has not: form a hypothesis, test it honestly, execute it without emotion, and keep a person accountable for the result.

2008
First systematic currency model goes live — in the autumn of the financial crisis.
2011
Execution algorithms built in-house to reduce market impact and slippage.
2014
Moritz Wealth founded; models extended to client mandates.
2019
Multi-asset, multi-currency framework with daily risk overlay.
Today
One team, one process, and every decision recorded.

What sets our process apart.

01
Research with a reason
Every strategy starts from a clear economic idea, which we can explain to you in plain language.
02
Tested across every market
Inflation, crisis and calm — strategies earn their place by performing across decades of conditions.
03
Precision in execution
Proprietary execution models place orders efficiently, keeping more of every return in your portfolio.
04
Personal oversight
Specialists review every portfolio daily against your objectives, and your advisor is always within reach.

The value of investments can fall as well as rise. Past performance is not a reliable indicator of future results.

Journal

Notes on systematic investing, risk, pensions and cross-border wealth — from the people who do the work.

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ReportingEvery quarter

Your quarter, in full view.

Every client receives a personal report each quarter — performance, positioning and the reasoning behind every decision, followed by a review with their advisor.

Moritz Wealth
Quarterly report · Q2 2026
Prepared for Client name
Mandate MW-00000 · Balanced growth · EUR
Portfolio value
€4.81m
+ €286,900 this quarter
Quarter return
+6.3%
net of all fees
Year to date
+14.8%
ahead of target
Since inception
+11.4% p.a.
March 2019
Growth of €100
PortfolioTarget path
20212023Q2 2026
Allocation
Global equities38%
Alternatives24%
Gold18%
Bonds & fixed income12%
Cash & money market8%
A letter from your advisor

Dear client, this was a strong quarter. Your portfolio rose 6.3% after all fees, ahead of both the market and our target path, while volatility stayed well inside the range we agreed together.

Most of that came from two decisions: moving part of the bond allocation into gold early in the quarter, and adding to alternative strategies that held up when equities paused in May. Your currency exposure remains aligned with your spending in euros.

Jonathan Moritz
Key decisions this quarter
14 Apr
Raised gold to 18%
+8% · funded by reducing bond exposure
22 May
Added to alternatives
19% → 24% · low correlation to equities
18 Jun
Rebalanced to target
Equities trimmed to 38% after strong gains
Each decision confirmed by a second specialist · full log available on request
Next review with your advisor: 14 October 2026Figures shown for illustration
01
Performance, net of fees

Returns shown after every cost, against the objectives agreed with you.

02
Positioning explained

What you own, why you own it, and how it fits your plan and currency.

03
Every key decision

The reasoning behind each change, confirmed by a second specialist.

04
A personal review

A conversation with your advisor about the quarter and the one ahead.
The Moritz Wealth boardroom
Corporate clients
Your programme, at a glance.
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Trust, earned over years.

4.9/ 5
★★★★★
Average client rating
from annual reviews
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Published with each client's consent; surnames withheld at their request. Client statements describe individual experiences.
Legal

Privacy policy

Who we are

Moritz Wealth AG is responsible for the personal data described in this policy. Questions can be sent at any time through our contact form.

What we collect

The information you give us when you make an enquiry or become a client: your name, contact details, the answers in our contact form and any note you add. For clients introduced by a partner institution, we also receive the details that institution shares with us under its agreement.

Why we use it

To respond to your enquiry, to advise and report to you, and to meet our legal and regulatory obligations. We do not sell personal data, and we do not use it for third-party advertising.

Who can see it

Only the specialists working on your relationship, our client operations team and, where required, our auditors and regulators. Partner institutions receive aggregate service reporting, never your personal portfolio details without your written consent.

How long we keep it

Enquiry details for up to two years; client records for as long as the law requires after the relationship ends, typically ten years.

Your rights

You may ask to see, correct or delete your data, or object to how we use it. Send your request through our contact form and we will reply within 30 days.

Terms of use

About this website

This website is published by Moritz Wealth AG to describe its services. It is general information and is not an offer, solicitation or personal recommendation to buy or sell any financial instrument.

Who it is for

Our services are provided to clients introduced through our partner institutions and to selected private clients. Some services may not be available in every country.

Accuracy

We take care to keep the content accurate and up to date, but information may change without notice. Nothing here replaces the documents you receive as a client.

Corporate log in

Access to the corporate portal is limited to authorised users of partner institutions. Keep your access card, key and password confidential, and tell us at once if you think they have been compromised.

Intellectual property

All text, images and design on this website belong to Moritz Wealth AG or its licensors and may not be reused without permission.

Governing law

These terms are governed by Swiss law. The courts of Zürich have jurisdiction.

Risk disclosures

General

The value of investments, and the income from them, can fall as well as rise. You may get back less than you invested.

Past performance

Past performance and simulated results are not a reliable indicator of future results.

Systematic strategies

Rules-based and machine-driven strategies are designed and supervised by our specialists, but no model can anticipate every market condition.

Currency

Where investments are held in a currency other than your own, exchange-rate movements can increase or reduce returns.

Liquidity

Some investments may be difficult to sell quickly or at a fair price in stressed markets.

Advice

Nothing on this website is personal advice. Recommendations are made only after a full assessment of your circumstances and objectives.

Last updated 1 September 2026.
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How it works
01
Data
Prices, rates and signals from thousands of markets.
→
02
Intelligent systems
Strategies that learn from decades of history.
→
03
Specialist review
Two people confirm every important decision.
→
04
Your portfolio
Executed quietly, reported clearly.
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Contact us →
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This article is general information, not personal advice. Investments carry risk, including loss of capital.

Continue reading
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Founder & lead advisor

Jonathan Moritz

Eighteen years advising private clients and corporate mandates. The standard I hold the firm to is simple: clients deserve the discipline, confidentiality and execution quality that institutions take for granted.

I oversee every mandate personally, but the strength of the firm is its team. Research, allocation modelling, risk monitoring and client operations each sit with a dedicated specialist, and every recommendation is shaped between us before it reaches you.

Most of my work is cross-border: people who earned in one country, live in another, and will retire in a third. That is where clear, careful advice adds the most value.

QualificationsCFA charterholder · MSc Banking & Finance, HSG (2007)
Regulatory statusFINMA-licensed · OSIF member no. 2871
OmbudsmanOmbudsstelle Finanzdienstleister (OFD)
LanguagesGerman, English
Jonathan Moritz, founder and lead advisor, Moritz Wealth
Light through an old leaded window
Mandates

Investment management

A mandate is a written agreement about how your capital will be handled — what it may be invested in, what it may not, how much risk is acceptable, and how often we speak. Everything below is decided with you before anything is bought.

Market data reflected in an office window at dusk
Discretionary

We execute within agreed limits and report to you. Suited to clients who want decisions made promptly and reviewed quarterly.

Advisory

We recommend, you approve each decision. Slower by design, and the right choice if you want to stay hands-on.

Second opinion

A one-off written review of an existing portfolio, with no obligation to move anything.

What is included

Written investment policy statement
Strategic allocation and currency-exposure plan
Ongoing portfolio monitoring against your objectives
Quarterly report and review call
Annual tax-reporting pack for your accountant
Coordination with your lawyer and auditor

Custody and control

Your assets are held in an account in your own name at a regulated custodian bank. We are granted a management authorisation — never a withdrawal right. You keep permanent online visibility and can revoke the mandate in writing at any time.

Custody is held at UBS Switzerland AG and Bank Julius Bär & Co. AG, always in your own name.

Who this suits

Mandates range from first accounts to substantial family portfolios, and are designed to grow with you over time.

Risk warning — The value of investments can fall as well as rise and you may get back less than you invested. Past performance is not a reliable indicator of future results. Currency movements can increase or reduce returns. Nothing on this page is a personal recommendation or an offer to buy or sell any financial instrument.
How we work

What happens, and when.

A great mandate starts with understanding. This is how we move from your first call to your first report — clearly and at your pace.

A Moritz Wealth client operations specialist speaking with a client
Client operationsYour day-to-day contact, one call away

How we get started

01
Introductory call — week 1
Your situation, our honest assessment of fit.
02
Written proposal — week 2
Strategy, risk limits and terms of engagement, on paper.
03
Onboarding — weeks 3–4
Account opened in your name at the custodian; identity and source-of-funds checks.
04
Ongoing — quarterly
Report, review call, and a documented decision log.

What is agreed before anything is bought

The objective, in your own words, written down
Risk profile and investment guidelines
Permitted and excluded instruments
Currency of reporting and of your future spending
Who may instruct us, and who may not
Review cadence and the escalation route

Custody and authorisation

Your account is opened in your own name at a regulated custodian bank. We are granted a management authorisation — never a withdrawal right — and you keep permanent online visibility of every position and transaction.

Your capital always remains with your bank; we simply manage it on your behalf.

What you receive, and when

Valuation and performance reportQuarterly
Review call with JonathanQuarterly
Decision log with rationaleContinuous
Market commentaryMonthly
Tax-reporting pack for your accountantAnnually
Strategy review with your advisorAnnually

Growing with you

Your mandate is reviewed with you every year and adapts as your life does — new goals, new income, a new country. The account is always yours.

We are affiliated with the Ombudsstelle Finanzdienstleister (OFD), the independent Swiss ombudsman for financial services.

Contact us →
ContactTwo minutes

Tell us a little. We’ll do the rest.

Six quick choices so the right specialist prepares for your first call. Everything is confidential and read only by our team.

Your answers
We reply to every enquiry within one working day.
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Jonathan will reply personally within one working day, by {{ contactBy }}. We look forward to speaking with you.

Back to home
Mandates

Retirement & pension planning

Pension decisions shape the rest of your life. We model every option in advance — in writing, with the tax and currency effects shown clearly.

A retired couple walking along the shore
Pillar 2 decisions

Voluntary buy-ins and their timing, pension versus lump-sum at retirement, and what happens to your vested benefits when you change employer or leave Switzerland.

Pillar 3a and vested benefits

Staggered accounts to spread withdrawal taxation, investment choice inside 3a, and consolidating vested-benefit accounts left behind at former employers.

Cross-border retirement

Where your pension is taxed if you retire elsewhere, which treaty applies, and how the currency of your future costs should shape today's allocation.

What a plan contains

A full picture of the three pillars in one statement
Projected retirement income, in your spending currency
Drawdown sequence and the tax due at each step
Buy-in schedule, if buy-ins make sense at all
Survivor and disability cover, and the gaps in it
A review date, because the rules change

We work alongside your tax adviser rather than replacing them. Legal and fiscal questions are coordinated with your own advisers.

Who this suits

People within ten years of retirement, anyone leaving or entering Switzerland with pension assets in place, and business owners whose pension fund and company balance sheet need to be read together.

Contact us →

Pension and tax treatment depends on your individual circumstances and on legislation that can change. Nothing on this page is tax or legal advice, or a personal recommendation.
Mandates

Your clients, advised by our team

Established companies retain Moritz Wealth as the wealth-advisory team behind their own client relationships. You hold the relationship and the brand; we do the advisory work for each individual client — to your standards, under a written mandate from you.

How the engagement works
01
The company appoints us
One framework agreement sets the service standard, the advice scope and the escalation route. Your firm stays the client's point of contact for everything commercial.
02
We work with each client one-to-one
A dedicated advisor works directly with each individual by phone, email or WhatsApp — Jonathan on senior relationships — with our specialists behind them. Objectives, risk capacity, currency and timeline are agreed personally, always on behalf of your firm.
03
Advice and mandates sit in the client's own name
Where a client proceeds, assets are held at a regulated custodian in that client's own name. Neither your firm nor ours ever holds their cash.
04
You get the reporting, they get the confidentiality
Your firm receives service-level and aggregate reporting — clients advised, mandates placed and review calls held. Individual portfolios and personal circumstances are never shared back without that client's written consent.
05
Capacity, not headcount
The same senior team works on your clients as on our own — research, allocation modelling, risk monitoring and client operations — so you can add advisory capability without hiring for it.

Who retains us this way

Professional firms — legal, tax and audit practices whose clients value a trusted investment partner
Employers extending advice to executives and relocating staff
Family businesses covering shareholders and next generation
Foundations and associations advising their own beneficiaries

Clients introduced through your firm remain your relationship; we report to you with the same care we give them.

Governance and independence

Every recommendation we make to your client is documented with its rationale, risk assumption and date, and is auditable by you at any time. Conflicts, related-party products and retained commissions are all excluded by the framework agreement.

Suitability sits with us as the advising firm. Your firm's regulatory position is set out explicitly in the agreement rather than left to be assumed — including which of us is the client's adviser of record.

A modern glass office tower
Contact us →

Advice given to your clients is subject to the same risk warnings as any other mandate: capital is at risk and past performance is not a reliable indicator of future results. Audit, legal and accounting matters remain with your existing advisers; custody remains with your bank.
The team

A team behind every client.

Our team works on your mandate together. Research, allocation modelling, risk monitoring and client operations each sit with a dedicated specialist, and every recommendation is shaped between them before it reaches you.

Decades of combined experience, and the senior people you work with are named and pictured here. You can always reach them directly.

The Moritz Wealth boardroom, where every mandate is reviewed
Lead advisor

Jonathan Moritz

Founder and lead advisor. Eighteen years with private clients and corporate mandates. He oversees every mandate personally, supported by a team of specialists who know each client's situation in depth.

QualificationsCFA charterholder · MSc Banking & Finance, HSG (2007)
LanguagesGerman, English
Full background →
Jonathan Moritz, founder and lead advisor, Moritz Wealth
Specialist functions

Our specialists work alongside Jonathan on every mandate. Each owns a function, and each has a say in the recommendations you receive.

Research and analysis specialist, Moritz Wealth
Daniel Keller
Research & analysis · since 2015

Instrument selection, manager due diligence, and the evidence behind every recommendation you receive.

Allocation modelling specialist, Moritz Wealth
Julien Arnaud
Allocation modelling · since 2017

Strategic and currency allocation, stress-tested against your stated limits before anything is bought.

Risk monitoring specialist, Moritz Wealth
Samuel Adeyemi
Risk monitoring · since 2014

Daily portfolio reviews that keep every mandate aligned with the objectives agreed with you.

Client operations specialist, Moritz Wealth
Clara Hofmann
Client operations · since 2018

Onboarding, custodian liaison, quarterly reports and the annual pack for your accountant.

Who we bring in, and when

Some questions belong with a lawyer, a tax adviser or an auditor. We introduce the right specialist and stay involved throughout, so you always have one point of contact.

Legal counselStaub & Partner Rechtsanwälte
Tax advisersAltmann Tax AG · CH, DE, UK
Custodian banksUBS Switzerland AG · Julius Bär
Audit & reportingRigi Revision AG
Moritz Wealth
The Moritz Wealth office at night
A Moritz Wealth decision log on the desk
Moritz Wealth

The people behind your mandate.

Your dedicated advisor and, where it helps, the specialist your situation calls for — always one call, email or message away.

Contact us →