About fr
Welcome to fr
Your Partner in Independent Pension Advice
FR’s vision is to help individuals, self-employed people, businesses, and their employees ensure they always have the right pension solutions and the right mix of insurance policies that typically come with them.
We do this by providing impartial advice and tailored solutions that meet your needs. FR was founded in 2017 by Stefan Kercza and Michael Wermuth, who both have backgrounds in the pension industry and the business world.
Our goal is to help businesses and individuals maximize the value of their retirement investments—through impartial, thorough, and attentive advice. At FR, we are dedicated to ensuring that you always have the best possible retirement plan, tailored to your unique needs and life situation.
Mission and Vision
Mission
At FR, we provide clarity, peace of mind, and a comprehensive overview through impartial and transparent 360° retirement planning. We make the complex simple—always with integrity, attentiveness, and a deeply personalized approach.
Our mission is to ensure that every customer experiences real value creation. We do this by putting people before products, asking the right questions, explaining complex issues in a way that’s easy to understand, and always providing advice based on the customer’s best interests—never those of the pension companies.
We are financial advisors who stand by our clients throughout their lives, providing solutions that bring peace of mind, clarity, and financial security.
Vision
We aim to be Denmark’s best pension broker—not in terms of size, but in terms of the trust we build and the real difference we make for our clients. Our ambition is to make independent pension advice a natural and safe choice for all Danes. We do this by:
To provide advice that is as in-depth as it is easy to understand
Creating solutions that give customers more to work with—now and in the future
Building strong, long-lasting relationships with customers, employees, and partners
To set new standards for integrity, transparency, and professionalism in the industry
We want to be the place where clients and business partners experience the country’s most dedicated, impartial, and value-adding advice—provided by people who are passionate about making a difference.
Core Values
Decency
You can always count on us to treat you with respect and decency—and to speak for ourselves, not against others.
To us, it’s important that you’re heard and taken seriously—that’s why we approach you with openness and focus on finding solutions rather than just discussing issues.
We keep our promises and follow up to ensure you feel secure. At the same time, we keep an eye on the market and will contact you when we can improve your terms even further.
Transparency
With us, you always know what you're paying—we're completely transparent about our fees, so there are no surprises.
We provide you with honest, down-to-earth advice so that you understand both your options and our suggestions for how we can optimize your situation.
With us, there’s no fine print—being a customer should be easy and straightforward.
Impartiality
You can always count on us to advise you on all of your policies—so you get a complete overview and advice without any restrictions.
We're on your side of the table and provide you with honest estimates based on your needs.
When we present solutions, we always compare at least two companies so that you have a solid basis on which to make your choice.
Mindfulness
We're here for you—especially when life changes occur and guidance is most important.
You decide whether we meet in person or virtually—the most important thing is that we can talk to each other as equals.
We’ll stay in touch with you on an ongoing basis so that you always feel confident about who is handling your retirement planning.
Value Creation
We help you get the most out of your retirement savings—both through lower costs and a better expected return.
As your life changes, we'll adjust your retirement plan so it always fits your situation.
We ensure that your investment costs align with your risk profile—so you neither pay too much nor take on unnecessary risks.
Meet Our Team
Sharoz Sajad
Lasse Chrøis
Jamal Khomsi
Lærke Hageman Skarnvad
Jakob Christiansen
Kasper Ville
Laura Svenningsen
David Krabbe Hvid
Nicolas Juul Clasen
Ole Stig Helland
Saqib Hussain
Michael Wermuth
Glenn Møller
Benedicte Gudbergsen
Hiva Haji Rashidi
Pouya Bagheri
Jonas Handberg
Yonas Shehata
Maria Elmann
Kathrine Michelle Thomsen
Sofie Jensen
Arzu Danismaz
Ida Vilsted
Nouhayla Houchami
Jakob Falk
Christoffer Kercza
Kieran Daniel Walker
Josephine Madsen
Fazan Ahmed
Julie Buch
Malthe Lorenzen
Ramiz Mahmood
Matias Golstien
Julia Grøn Bak
Søren Thue Løland
Per Jørgensen
Cecilie Völcker
Lærke Stald Pedersen
Partners
Finansrådgiverne A/S was founded in 2017 by Stefan Kercza and Michael Wermuth. Michael and Stefan are childhood friends; both were born and raised in Brøndbyøster and have been there for each other throughout their lives, even though they went their separate ways career-wise. One might almost be tempted to say that they have now come home, considering that their company is now located in Brøndby itself.
Michael entered the pension industry and has more than 35 years of experience with several major commercial pension companies, giving him in-depth knowledge of the industry; it is this insight that helps our clients find the best solutions from a 100% impartial perspective. Most recently, Michael was the initiator and co-founder of Deloitte Pension Management.
Unlike Michael, Stefan has always worked in and around the private sector and, throughout his career, has focused on strategy, commercialization, and a strong emphasis on customers—and, not least, customer satisfaction—and has a background as a top executive both in Denmark and abroad. It is precisely these skills and this experience that Stefan brings to the company, and they will help ensure that businesses, their employees, and individuals get the most out of the significant amounts of money they set aside each month for their pension and insurance plans.
Our management team at FR consists of experienced and dedicated professionals who lead the company with a strong vision and a clear focus on providing the best financial advice to our clients.