id,bank_id,category,name,currency,client_type,target_group,description,valid_from,source_document_id,bpg,access_tier,is_tailored,notice_period_days,iso_account_type,age_range_min,age_range_max,age_range_label,status
gutzwiller:wealth_management,gutzwiller,wealth_management,Vermögensverwaltung — All-in Fee Modell,CHF,private,wealthy,"Zurich-based subsidiary of E. Gutzwiller & Cie Banquiers (Basel — founded 1886). Distinctive: PUBLISHES the FIDLEG-mandated Kostenausweis ex-ante PDF on the website. Atom #294 — 3rd published counter-example to atom #274. The published Kostenausweis specifies for the standard scenario (CHF 1 Mio., Ausgewogen strategy, 10-year hold): Vermögensverwaltungsgebühr 1.60% p.a., Einstiegskosten 0.20%, Ausstiegskosten 0.20%, Gesamtkosten 1.66% p.a. (vs 1.62% steady state). The published rate is for natural persons. E. Gutzwiller & Cie (Basel parent) charges Gutzwiller AG (Zürich subsidiary) half of the custody fee as gruppeninterne Entschädigung — a transparent intragroup-pricing disclosure unusual within atom #274.",,,BPG0030E2MCH,pro,0,,,,,,active