Our Story

At Marmot Investment Office AG, we set out with a clear mission: to provide independent, transparent wealth management—free from the product-driven focus of large financial institutions. Founded in 2013 in Zurich by Tom Kümmeke and Martin Bürki, Marmot became a trusted multi-family office built on personalized advice, expertise, and long-term relationships.

As we guided clients through generational wealth planning, we noticed a recurring gap: women’s financial needs were often underserved or misunderstood. Life milestones like career breaks, caregiving, and shifting priorities called for a more tailored approach.

This realization was reinforced by Tom’s collaboration with his wife, Carina Kümmeke, whose work in digital interior design revealed how women engaged with decision-making, investments, and planning. Many faced uncertainty—not due to lack of capability, but because the financial industry overlooked their needs.

Determined to bridge this gap, Tom and Martin launched Marmot Finance in 2020, Switzerland’s first FINMA-regulated wealth manager for women. As a natural extension of our mission, Marmot Finance offers financial solutions aligned with women’s unique goals and life cycles.
Today, Marmot Investment Office AG and Marmot Finance stand as two complementary pillars—one serving families and individuals, the other pioneering financial empowerment for women. Together, we help clients build secure, thriving financial futures.

Welcome to Marmot. Where your wealth, your story, and your future come together.