Went to Devere Tokyo, Japan.
Got advised on a Zurich Plan, targeting retirement savings fitting my international life. that is in retrospect OK for me.
Once the contract is signed, then I got only always extremely slow support and bad consulting on maintenance of the plan.
They advised on temporarily increase the monthly premium and reducing them afterward when I need more cash.
Which I did since it sounded right. The thing that they didn't tell me is that the yearly fees are roughly proportional to the max ever paid monthly payment.
So by temporarily doubling my monthly payment (just for a year), I doubled my yearly fees for the plan for the next 25 years (till maturity of the plan).
Thanks, this gonna be several thousand dollars wasted in fees.
Sure, I should have read the contract at the fee section by myself more in details...
All in one, Devere was not an actual scam company for me, they didn't do illegal stuff, but it was close. I never felt secure with them. And my feelings were confirmed right.
I just moved to a local financial adviser, and everything MUUUUCH better.
Still painful to see the over-inflated yearly fees taking their tall.
Devere = Avoid.
Reason of review: Damaging consulting.
Monetary Loss: $5000.
Preferred solution: Full refund.