ALLIA | insurance brokers
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Business

MiFID

Purpose & Scope

We comply with the EU’s MiFID II (Markets in Financial Instruments Directive 2014/65/EU), which governs transparency, investor protection, client suitability, product governance, and reporting requirements.
In Switzerland, the equivalent regulatory framework is FinSA (Swiss Financial Services Act), which applies to all financial services providers and incorporates similar principles of client protection, segmentation, transparency, and conduct.

Client Segmentation

We classify clients into the following categories:

  • Retail clients

  • Professional clients

  • Institutional clients

These classifications determine the level of protection and services provided, in line with MiFID II and FinSA guidelines.

Suitability & Appropriateness Assessments

When providing investment advice or portfolio management services, we assess your knowledge, experience, financial situation, and risk tolerance to ensure the suitability of the proposed investment. We also take into account any sustainability and ESG preferences you may have.

Product Governance

All financial products we offer go through rigorous governance procedures. This includes defining target markets, setting distribution strategies, and implementing review processes to ensure products meet client needs and that risks, including the risk of mis-selling, are minimized.

Best Execution & Conflict Management

We are committed to achieving best execution for client orders and maintain detailed execution policies. These policies cover order handling, venue selection, and any third-party payments.
We also maintain strict procedures to identify, prevent, and manage conflicts of interest, ensuring transparency and fair treatment for all clients.

Record-Keeping & Transparency

We keep detailed records of suitability assessments, warnings issued, client confirmations, and execution details in compliance with MiFID II and FinSA requirements.

Application to Swiss Firms Serving EU Clients

Swiss-based firms providing investment services to EU or EEA clients must comply with the applicable MiFID II standards, including suitability checks, transparency obligations, and product governance measures, even when operating from outside the EU.