Business Model: FinanzenLicht

At FinanzenLicht, our purpose is to deliver high-impact financial education that empowers individuals, families, and businesses to secure and grow their financial future. In an increasingly complex financial world, knowledge is power — and our academy stands at the forefront of providing practical, actionable, and accessible training to a broad audience. Our business model is built around delivering financial security and literacy education through a variety of flexible offerings, ensuring that every learner, regardless of background or current financial status, can benefit from our expertise.

Core Offering
Our main focus is offering comprehensive financial security courses and personalized financial coaching for individuals and organizations alike. By equipping people with critical financial knowledge, we enable smarter decision-making, better wealth protection, and more robust financial planning for both the present and the future.

Personal Finance Education

We provide individuals with the essential tools they need to manage personal budgets, control expenses, build emergency funds, invest wisely, and plan for major life events like purchasing a home, starting a family, or retiring. Our personal finance courses cover topics from fundamental budgeting techniques to advanced wealth-building strategies.

Investment Strategy Training

Understanding investments is key to long-term financial security. Our investment programs are designed to teach learners how to develop diversified portfolios, assess market opportunities, manage risks, and maximize returns. Whether it’s stocks, bonds, mutual funds, or real estate, we break down complex investment strategies into practical steps.

Risk Management and Insurance Planning

Protecting assets is just as important as growing them. Our risk management and insurance courses teach individuals and businesses how to evaluate potential financial threats, select the right insurance products, and create plans that shield wealth from unexpected events like illness, accidents, or economic downturns.

Retirement and Legacy Planning

Preparing for retirement is critical for maintaining financial independence later in life. Our retirement planning courses guide individuals through building pension strategies, optimizing tax-advantaged accounts, and creating estate plans that secure a financial legacy for future generations.

Business Financial Resilience Programs

Small and medium-sized businesses face unique financial risks. Our business-focused programs help entrepreneurs and business owners create financial contingency plans, optimize cash flow, manage debts, protect business assets, and ensure long-term organizational stability.

Financial Literacy for Families and Young Adults

Building a financially secure society starts with education from a young age. Our specialized programs for families and students aim to instill fundamental financial principles early on, empowering future generations to make responsible money decisions.

Revenue Streams
FinanzenLicht operates a diversified revenue model based on course enrollment, corporate training contracts, personalized financial coaching, and membership subscriptions. This structure ensures sustainability and scalability across different client segments.

Individual Course Sales

The bulk of our revenue comes from the sale of self-paced, high-quality online courses. Learners can purchase individual modules or enroll in full course tracks depending on their personal or professional needs.

Single Course Access: CHF 150–CHF 500 per course

Certification Tracks: CHF 800–CHF 2,000

Professional Development Packages

Our bundled packages offer discounts for clients seeking a more comprehensive educational experience. These packages combine personal finance, investment, and risk management courses into cohesive learning journeys.

Starter Packages: CHF 500–CHF 1,000

Mastery Packages: CHF 2,000–CHF 4,000

Corporate Financial Training

We collaborate with companies to provide financial literacy training for employees as part of their wellness programs or executive education initiatives. These custom programs are designed to improve employee satisfaction, productivity, and loyalty by enhancing their financial well-being.

Corporate Training Contracts: CHF 10,000–CHF 100,000 depending on scale and depth

Employee Wellness Financial Programs: CHF 5,000–CHF 20,000 for mid-sized organizations

Personalized Financial Coaching

Many learners seek more personalized guidance. Our one-on-one coaching services provide tailored financial planning advice, helping clients develop customized strategies based on their unique goals.

Single Coaching Session: CHF 300

Coaching Package (10 sessions): CHF 2,500

Subscription and Membership Access

Our premium subscription model offers unlimited access to all courses, exclusive webinars, financial planning tools, and member-only resources. This model encourages ongoing engagement and provides a steady revenue stream.

Monthly Membership: CHF 70

Annual Membership: CHF 700

Partnerships and Sponsorships

We partner with financial institutions, insurance companies, and wealth management firms to deliver co-branded educational content. In return, we earn referral commissions and sponsorship fees.

Sponsorship Revenue: CHF 5,000–CHF 30,000 per campaign

Affiliate Marketing Revenue: Percentage-based on lead conversion

Customer Segments
Our target audiences are broad, reflecting the universal need for financial education:

Individual Learners

Young professionals seeking financial independence

Families planning for future security

Retirees wanting to optimize their pensions and manage wealth

Business Owners and Entrepreneurs

Startups needing risk management and cash flow strategies

SMEs (Small and Medium-sized Enterprises) looking for financial resilience planning

Executives interested in financial wellness programs for their teams

Corporate Clients

Companies seeking to integrate financial wellness into HR offerings

Organizations aiming to boost employee satisfaction and productivity through financial education initiatives

Educational Institutions

Universities offering financial literacy programs to students and alumni

High schools integrating personal finance courses into their curriculum

Value Proposition
FinanzenLicht stands out because we combine deep financial expertise with real-world application, offering clear, actionable education that truly empowers people and organizations. Our clients choose us because we deliver:

Practical Training: No jargon, just real strategies that can be applied immediately.

Expert-Led Courses: All programs are designed and taught by seasoned financial professionals.

Comprehensive Coverage: From basic budgeting to complex investment strategies, we cover every aspect of financial security.

Flexible Learning: Our online platform offers flexibility to learn at any time, anywhere.

Certification and Recognition: Clients can build their professional credibility with industry-recognized certifications.

Marketing Strategy
Our marketing approach is focused on reaching individuals and businesses seeking practical financial education, using a mix of digital and direct engagement strategies:

Content Marketing and Thought Leadership

Publishing regular blogs, guides, podcasts, and white papers that provide value and establish us as a trusted authority in financial education.

SEO and Organic Growth

Optimizing our content for search engines to attract organic traffic for keywords related to financial literacy, personal finance courses, and business financial planning.

Social Media and Community Engagement

Building active communities on LinkedIn, Instagram, and YouTube where learners can engage, learn, and share experiences.

Corporate Partnerships and B2B Sales

Direct outreach to businesses for corporate wellness programs, offering customized proposals for HR and leadership teams.

Email Marketing Campaigns

Nurturing leads through automated email journeys, offering free resources, special discounts, and invitations to exclusive webinars.

Referral Programs

Rewarding satisfied learners with incentives to refer friends, colleagues, or business partners to FinanzenLicht.

Scalability
Our digital-first business model is highly scalable. With our robust e-learning platform, we can easily add new courses, expand into new markets, and serve a global audience without significant infrastructure costs. Corporate training, subscription services, and partnerships offer additional scalable pathways, allowing us to adapt to growing demand while maintaining high-quality delivery.

Financial Projections
We expect steady growth over the next five years, with increasing adoption of online learning platforms and rising demand for financial literacy. Initial revenue will continue to be driven by individual course sales, but as corporate partnerships and subscription models mature, we anticipate a shift toward more recurring revenue streams. Expanding our certification programs and international reach will further solidify our market position.