Welcome to Guardian Wealth Management Switzerland
• Live the lifestyle you desire
• How to grow and protect your wealth
• How to get into the saving habit
When your career takes you to Switzerland many Expats find financial planning can be complicated. Sound international advice, independent choices and secure, confident decisions are required...
‘Having the right Financial Plan in place can make those difficult decisions a little easier,’
Guardian Wealth Management is a leading international independent Financial Advisery Company which has been providing global client conscious financial advice for almost 20 years. We live, work and support the local community here in Switzerland.
As you are living and working in Switzerland, it makes sense that your financial planner should be close by and understand the local challenges you may face when planning your finances.
Established in Geneva, Guardian has grown the Swiss office over the last ten years and know how best you can take advantage of the many benefits of living in the country.
All Senior Planners are qualified to CISI Level 4 and above and are normally UK IFA’s who, like you, have decided to move to Switzerland.
If you are living in Switzerland and would like some help to get your finances in order you can either download our FREE Swiss brochure or contact us at:
As a brief overview, here are some of the reasons why you should protect, plan and provide that you make the most of your wealth whilst working in Switzerland...
Different Cantons have different laws and regulations, and often many expats live in France and travel to work in Switzerland.
Knowing the implications, benefits and pitfalls of cross-border advice is how Guardian has grown to be the largest and most recognised Financial Planning brand in the region.
Portability is often a major requirement for expats in Switzerland, often moving within Europe and requiring financial solutions which can do the same.
Whether it be helping you understand the Three Pillars, the recent changes to French tax law or finding the best education for your children, Guardian Planners can help simplify your choices and find the best ones for you.
So whether you would like UK Chartered advice on any UK pensions or local advice on your healthcare scheme, Guardian has the knowledge to deliver.
No. You are entitled to plan with your money to position you best for taxation, this is not tax evasion. Using overseas investment products in order to reduce your tax liability is completely legal. The savings that smart wealth management strategies can deliver can add up to tens or even hundreds of thousands of pounds, dollars or euros over your lifetime.
By adhering to the following guidelines, you'll have a much better chance of ensuring that your money is safe:
No you can’t. The scheme needs to be recognised by HMRC otherwise you may receive an extremely large penalty.
As an Expat living and working in Switzerland you should consider the benefits of moving your UK pension offshore. Your Guardian advisor will review your current retirement plan and explain how you can create a tax efficient retirement and inheritance plan.
There's no definitive answer to this one; finding the right jurisdiction depends on your personal objectives. Some locations offer better tax benefits, while others will give you greater flexibility or a higher rate of investor protection. Our financial advisors at Guardian Wealth Management can show you the different options available and explain the specific benefits related to each jurisdiction.
How long should you save for?
It really depends on what you want to save for and how much you want to save. If you would like to retire in 15 years then choose 15 years but make sure whatever amount you save is something you can afford during that time. This helps you have a clear picture of your target amount in retirement which you can then manage over time.
If you’re earning a lot more for say the five years you plan to work abroad then it makes sense to save a larger amount but over a shorter period of time.
What are QROPS?
QROPS stands for Qualifying Recognised Overseas Pension Scheme, and is set up within rules designed by HM Revenue & Customs (HMRC) for today’s mobile workers.
With so many different providers and solutions on the market today it can be hard to know which advice to trust.
Guardian Wealth Management is a UK regulated international financial planning firm with over 7,000 clients and over half a billion US dollars under management.
All of our Planners are qualified to provide financial advice from the jurisdictions in which they operate.
Guardian boasts being one of the few Planning companies to have an in-house Investment Committee comprising both internal and external specialists. All overseen by our own in-house Chartered Financial Analyst.
Guardian is fully independent and can choose from an extensive range of potential solutions. However the most important decision is the security of where your money is held. Guardian mainly use UK Crown Dependencies or territories with similar protection and the same transparent regulations.
It is important you are confident that the advice you receive is truly independent. Guardian can offer a range of pricing options including fixed fee, initial fees or provider based. You can be sure though that all charges are transparent and you know how much it will cost and what you can expect before opening any plan.
Guardian has a number of options for keeping in touch. Depending the service you choose we hold interactive web meetings, online conferencing and Seperately Managed Account (SMA) investor platforms with cutting edge client portals. Our SMA platform provided by Praemium International recently won the Lonsec Awards for best investment platform. Guardian uses client portal technology to manage the application process, taking away as much of the hassle from you as possible.
I would very much like to thank you for all your advice, care and attention over my affairs through the last 2.5 years.
I have felt my business, albeit very modest, to have been with a really very safe pair of hands and I have thoroughly enjoyed the contact we have enjoyed. I am only sorry not to have started sooner!
In my 10 years working experience, I’ve met few that are as organized, proactive and responsible as Matthew.
With his extensive knowledge of investment products and financial markets. Matthew is not only a great financial advisor but he also has a strong aptitude for understanding his clients needs which makes him a great person to work with.