A+C Conseils

A+C Conseils

A+C Conseils was launched in 2007 by director Albano Correia in Prilly, Switzerland. The firm is registered with the Swiss Financial Market Supervisory Authority FINMA under numbers 24008 and 24009, holding status as a non-tied intermediary under Article 45 of the Insurance Supervision Act (LSA). This registration is core to the firm's pitch: it prohibits structural ties to insurance companies, ensuring that client recommendations are not influenced by carrier commissions. The firm's service model spans real estate brokerage and personalized insurance and financial advice. On the real estate side, it advertises properties for sale directly on its website, indicating a transactional brokerage function. On the advisory side, it leverages partnerships with undisclosed institutions to structure solutions. The firm explicitly states it does not engage in telephone prospecting, a posture it reinforced in a December 2021 notice after its name was misused by an external call center. The practice is led by Correia from its Prilly office. The firm states its advisors hold advanced Swiss federal diplomas and brevet fédéral qualifications in their respective fields. A+C Conseils maintains professional liability insurance through Chartis. The firm's most recent operational posture was shaped by the revised Swiss Insurance Contract Act (LCA), which took effect on January 1, 2022, a regulatory shift the firm flagged to clients in November 2021. A+C Conseils derives structural distinction from its FINMA-governed independence. By operating as a non-tied intermediary, the firm's legal architecture differs from the majority of Swiss advisors who work under agency agreements with specific insurers. This structure means the firm's succession and client relationships are built on a fee-for-advice posture, not on embedded product commissions — a governance design that shapes how the firm can grow or transition beyond its founding director.