The VVK Group

The digitisation of the working world, the entire financial industry, and the provision institutes poses new challenges for private persons and financial service providers. Simultaneously, increasing regulation is taking place at the legislative level, while the hurdles of achieving the regulation continue to rise. The VVK Group was created to respond to these and future changes in a timely and appropriate manner. The Group’s goal is to be well prepared for future developments.

VVK Vermögens- und Vorsorgekonzepte AG (VVK)

For over 20 years, VVK AG has been advising private persons, families, associations, and SMEs as well as their owners in all areas of provision by means of a tailor-made provision planning. The experience gathered from more than 10,000 consultations and the resulting knowledge for sustainable provision advice led to an expansion of the company in the field of consulting services and enables a future-oriented offer of additional services. VVK AG’s broadly diversified asset management is based on the value investing concept (Graham/Dodd), on unlisted bonds, as well as other provision products. Haus der Werte AG was created to be able to offer the broad range of other financial service providers.

FinConTec AG

FinConTec AG is a company of the VVK Group in Teufen/AR and licensor of the electronic provision plan and the digital customer provision folder. Such a folder is the legally required customer dossier according to the planned Financial Services Act. This is simply a digitised version. These tools, which are indispensable for the future of provision consultation, are used by the companies of the VVK Group for consulting purposes and can also be used by other financial intermediaries (financial service providers, banks, and insurances, etc.), who wish to offer legally compliant provision consultation. Provision consultants and their customers receive an applicable overall view of their personal situation and the optimisation of provision options for every life situation with the FinConTec AG provision plan. Banks, insurances, and financial service providers can carry out the appropriateness test, which will soon be required, for individual capital investments and the suitability test for the management of an overall portfolio.

FinCoach AG

FinCoach AG is a company of the VVK Group in Teufen/AR.

Specialized in diversified investment consulting, especially with unlisted bonds, it offers these services on a modular basis to other financial service providers. In the product analysis, it examines the documents of issuers or evaluates possible issuers with comprehensible and successful business models. These would like to finance their growth by issuing their own bonds.


  • Cashback for private persons
  • Multilevel cashback
  • Whit label solution for companies, associations, clubs
  • Vouchers from various providers and online shops
  • Discounts on insurance


  • CRM for financial service providers
  • App for end users (VOPLA® LiveCare®)
  • Interfaces to custodian banks
  • Special customer management system for banks
  • Electronic forms, applications, and documents