We support individuals and companies – including SMEs – with accounting, payroll, HR, tax returns and property management. Whether you're new to Switzerland, want to avoid paperwork, or simply appreciate clear answers: KuzaFi guides you professionally, clearly and personally. From tax returns and VAT filings to payroll and budgeting – we help you navigate the Swiss system safely and efficiently. Services: – Accounting (Bookkeeping according to Swiss Code of Obligations and Swiss GAAP FER, year-end closing, invoicing, reminders, VAT reporting and administration) – Payroll & HR administration (Payroll declarations, employee files, onboarding/offboarding, internal changes, contract-based payslips and official documents) – Tax returns (For individuals and legal entities – accurate and fast) – Property management (Annual statements, service charge billing, dunning, debt collection, renovation coordination) We take care of your administrative workload so you can focus on what matters – whether you live, work, or run a business in Switzerland. Even if the Swiss system seems complicated at first, we’ll explain everything clearly, step by step – no jargon. Have questions but not ready to call? Just send us a message by email or WhatsApp – we’ll reply clearly, discreetly and without obligation. 📧 info@kuzafi.ch | 📱 +41 79 514 19 05 | 🌐 www.kuzafi.ch

AvantGarde Investment Solutions & Consulting is a Swiss company specializing in tailored financial support. Led by Steve Léchaire, a financial expert with over 20 years of experience in prestigious institutions such as UBS, the firm delivers an innovative approach to wealth management, financing, and investment strategy. Customized Financial Services Investment Advisory AvantGarde offers diversified investment strategies, including both traditional and alternative assets such as rum, whisky, balsamic vinegar, green investments, and maritime transport. The goal: high returns through innovative asset classes. Mortgage Financing Comprehensive support to secure the best mortgage conditions, adapted to your financial profile and long-term property goals. Pension and Retirement Planning A complete analysis of your current financial situation with personalized solutions to secure your future income and protect your wealth. Financial Coaching One-on-one coaching to help you regain control of your finances, improve your budgeting, and achieve your financial goals step by step. Our Core Values • Innovation – Cutting-edge and alternative investment opportunities. • Expertise – Over two decades of proven experience in financial consulting. • Transparency – Clear and honest communication every step of the way. • Personalization – Tailored services to meet each client’s unique needs. • Reliability – A professional structure you can fully trust. Why Choose AvantGarde? Choosing AvantGarde means partnering with a team dedicated to smart financial management, high performance, and long-term results. Whether you're building, protecting, or growing your wealth, AvantGarde offers personalized guidance every step of the way. Contact Get in touch today for a tailored consultation and discover how AvantGarde Investment can redefine your financial journey with confidence and clarity.

Philosophy The legal world is constantly evolving. As each area of law becomes more complex and specialized, Charrière Mauron & Associés provides specializations for its generalist lawyers, who are required to undergo targeted continuous training to best advise their clients. Charrière Mauron & Associés Established in Bulle since 1987 and practicing primarily in the canton of Fribourg but also in other French-speaking cantons, Charrière Mauron & Associés has acquired extensive experience in all the legal fields it handles daily. It also has a thorough understanding of the economic and associative sectors of the region, enabling it to advise both individuals and legal entities, public authorities, and businesses in numerous areas. It is also well integrated into the Fribourg judicial environment. History In October 1987, Me Bruno Charrière established himself as an independent generalist lawyer in Bulle and founded his own firm. He was joined in 1993 by Me Maurice Ropraz, with whom he collaborated until 2001, when Ropraz was elected Prefect of Gruyère, a position he held for 10 years before being elected to the Council of State in 2011. During this period, a secondary office was created in Châtel-St-Denis. From 2001, Me Pierre Mauron replaced Me Ropraz as a partner. The firm then expanded in 2006 with the hiring of Me Carl-Alex Ridoré, until his election as Prefect of Sarine in 2008, and with the hiring of many other lawyers. On May 5, 2016, Me Bruno Charrière tragically passed away (article in La Gruyère on May 7, 2016). His name and memory are inextricably linked to Charrière Mauron & Associés. On January 1, 2018, Mes Pierre Mauron, Véronique Aeby, and Julien Membrez formed the company Charrière Mauron & Associés SA. On January 1, 2021, Me Constantin Ruffieux joined them as a partner. Since 2000, the firm has been continuously training trainee lawyers.

Take advantage of Liberty Investment Foundation's opportunities to generate more returns in the current low-interest environment with investments in mortgages. These mortgages are secured by real estate collateral, and therefore offer a high level of security. Liberty Investment Foundation was established as an independent foundation in 2018 and is open to occupational benefits institutions and other tax-exempt occupational benefits institutions, as well as 3rd pillar retirement savings institutions. The purpose of Liberty Investment Foundation is to grant investors access to mortgage investments at an unbeatable price. It aims to achieve net returns exceeding the market average, while preserving high quality standards in security for the investors. This favourable pricing structure is achieved by a low-cost investment foundation and a high level of digitisation. Liberty Investment Foundation is subject to the oversight of the independent regulatory commission for occupational benefits (OAK BV) in Bern. KPMG is the designated auditor.