By using our website you have entered into a binding agreement to accept our terms of use. Please read these terms carefully. They affect your legal rights and limit our liability. If you do not agree to be bound by every one of these terms, please exit our site immediately.

MODIFICATIONS

We may modify these Terms at any time without notice to you. The latest Terms will be posted on our Website. By using the website after we have posted modifications, you agree to be bound by the modifications. If you do not accept the Terms as modified, do not continue to use the Website.

LIMITED LICENSE

We grant you a limited, non-exclusive, non-transferable, revocable license, without any right to sublicense, to use our Website strictly in accordance with the Terms. You may use the Website solely for personal, non-commercial purposes, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. Commercial use of any content on the Website is absolutely forbidden. You may not print out or use an electronic version of any part of our Website. You agree not to copy materials, content or any other information on the Website, reverse engineer or break into (hack) the Website, or use materials, products or services in violation of any state or federal law.

LAWFUL USE

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website. In addition, you agree not to manipulate or otherwise display the Website by using framing or similar navigational technology. You agree not to access the Website by any means other than through the standard industry-accepted interfaces. You will not use the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website in any manner which could damage, disable, interrupt, over burden, or impair the Website or WLIM’s network or servers, or interfere with any other party’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other accounts, computer systems or networks connected to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. In addition, you shall not register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Website if you are not expressly authorized by such party to do so.

OUR RELATIONSHIP TO YOU

You and we are independent contractors. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us.

OUR INTELLECTUAL PROPERTY

All content on the Website, including but not limited to designs, data and databases, text, graphics, images, photographs, illustrations, audio and video material, artwork, proprietary information, client-side code (e.g. HTML, JavaScript, etc.), server-side code (e.g. active server pages, VBScript, databases, etc.), information and statistics concerning the use of the Website, and all copyrightable elements of the Website, and their selection and arrangement (collectively, “Content”) are the property of WLIM. Our Content is protected by U.S. copyright law, international treaties and other intellectual property rights. Except as otherwise stated herein, Content may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. §107), as amended, and then, only with notices of our proprietary rights. You may, however, download the information in the Website and print out hard copies for your own personal, noncommercial use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

INTENDED AUDIENCE

This Website is intended for adults aged 18 years or older. Any registration by, use of or access to our Website by anyone under age 18, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website you represent and warrant that you are 18 or older and that you agree to and to abide by all of the terms and conditions of this Agreement.

[WLIM has sole right and discretion to determine whether to accept a Client, and may reject a Client with or without explanation.

If you become a Client, you will receive a password that will allow you to access to a secure section of our Website. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.

You agree to immediately notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.]

FINANCIAL, LEGAL AND OTHER ADVICE DISCLAIMER

Your use of the Website creates no professional relationship of any kind between you and WLIM. Nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice to or for you. You hereby agree that you shall not make any financial, investment, legal and/or other decision based in whole or in part on anything contained in our Website.

USE OF INFORMATION

We reserve the right, and you authorize us, to use and assign of all of your information regarding your use of our Website in any manner consistent with our Privacy Policy.

All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, “Submission”) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

We may assign these Terms and our rights hereunder, in whole or in part, to a third party, in our sole discretion, in connection with a merger, acquisition, reorganization or sale of substantially all of our assets, or otherwise. You may not assign, sublicense, or delegate any of your rights hereunder.

PRIVACY POLICY

Our Privacy Policy is considered part of this Agreement. You should review this Privacy Policy by clicking on this link.

CROSSING THE US - SWISS BORDER

At White Lighthouse Investment Management we work with clients from many different countries and backgrounds, especially in our home countries of the United States and Switzerland. If you happen to be an American living in Switzerland, a Swiss living in the United States or close family member in one of these situations, White Lighthouse is well positioned to help with your cross border investment management and financial planning needs.

Americans Living in Switzerland

AMERICANS LIVING IN SWITZERLAND

At White Lighthouse Investment Management American Citizens will find the highest level of service, ethics and professionalism in dealing with their investment management and financial planning needs. Our founder, Mr. Lachowitz, is a CERTIFIED FINANCIAL PLANNER (TM) professional in the United States and Switzerland as well as a citizen of both countries. His breadth of expertise in cross border issues between the United States and Switzerland enables clients to benefit with practical solutions to simple and complex challenges.  Mr. Lachowitz is a Board Member of American Citizens Abroad and a former Board member of the Swiss Financial Planning Organization and he keeps his expertise current with many presentations and publications in the US and Swiss press including regular articles in the Wall Street Journal. We encourage you to compare our service, price and overall expertise to any firm serving Americans in Switzerland. Here is a list of points to consider when comparing our services to other advisers:

  • Fee-only means we are paid only by our clients and are never paid from any other source.

  • Custody is available in the US and Switzerland; especially useful for mixed US and non US families.* 

  • SEC Registered Investment Advisors** (RIA) with US and Swiss offices

  • Comprehensive Knowledge of US and Swiss Financial Systems

  • Stellar Education and Practical Experience

  • US based investment accounts include: brokerage accounts, IRAs (retirement, including SEP, Roth, Inherited and Traditional IRAs, 529 accounts (for kids education in the US and overseas), Custodial Accounts (for children), US checking and debit cards available at no additional cost, Trust and Corporate accounts at highly regarded US Custodians. 

  • We have always encouraged US tax compliant solutions for clients and have no legacy compliance issues, staff are always required to uphold the highest ethical standards and we expect the same from our clients.

  • Asset allocation in client portfolios is individualized, each client's needs are different. Clients can expect: low frequency trading, low overall costs, tax efficiency with respect to the US and Switzerland, highly liquid exchange-traded securities and advice that integrates their financial goals with their investments and the disclosure of any conflicts of interest.

  • Integrated Strategy for Swiss employees and retirees combining Swiss 2nd Pillar planning with US based investments and US and Swiss Social Security.

See more practical tips in our articles and presentation pages and contact us for an initial consultation.

Swiss Living in the United States

SWISS LIVING IN THE UNITED STATES

At White Lighthouse Investment Management we are well qualified to serve overseas Swiss citizens, especially if they live or are planning to live in the United States. If you are considering a move to the United States there are a lot of pre-immigration planning points that can potentially save you lots of time, aggravation and money. For more information read our article Tips for Swiss Expatriates in the United States– May 2011 and contact us for an initial consultation. 

Once living in the US, we can help you address your personal financial planning and investment management needs; helping to keep you compliant in both countries and on track to meet your financial and retirement goals regardless of where you plan to live in the future. We can also introduce you to a choice of several tax and/or legal specialists who understand the complexities of the US and Swiss systems.

*White Lighthouse Investment Management does not take custody of client accounts we only have a limited power of authorization on client accounts.; we work only with reputable custodians in the US and Switzerland. US custody is considerably less expensive than most solutions in Switzerland for a relatively equivalent service.

**SEC Registration is a relatively simple process much of which can be outsourced and does not imply that a firm has any particular expertise in working with Americans, regardless of where they live or the US regulatory and tax environment. We encourage all clients and prospective clients to screen their advisers carefully. At a minimum this should include reading of the SEC required forms ADV Parts 1, 2a and 2b, talking to references and a background search. [See Slides 4-8 of our presentation "Financial Planning for Americans in Switzerland - American Women's Club Zurich 2014" ] for a suggested list of questions when screening an adviser. There is a big difference between "working with Americans in Switzerland" and serving them with quality and ethics.