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.


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.


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.


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.


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.


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.


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.]


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.


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.


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


At White Lighthouse we are specialists in delivering Investment Management and cross border Financial Planning services in addition to being well qualified in our home countries. We serve international clients and global families including overseas Americans, non-Americans living in the United States and clients who require a global perspective. We work with custodians in the United States and Switzerland and have an extensive network of highly qualified international specialists who can provide related tax, legal and estate planning services.  We write extensively in easy to read language and encourage you to read our articles and browse our presentations. Please contact us to learn more about our services, find our latest fees, and service level descriptions.


Investment Portfolio Management includes comprehensive risk profiling and a personal financial discovery process. We work closely with each client in the production of a personalized investment strategy and as required the production of an Investment Policy Statement. Each trading decision is aligned with our clients' best interests. At White Lighthouse Investment Management we are fee-only advisers and will never make any income on trading activity or from the investments chosen. Our preferred investment choices are exchange traded index funds and individual stocks and bonds.

For US Citizen Clients in both the United States and overseas we understand the tax complexities in your investment portfolio and opportunities to optimize your decision making. We incorporate this expertise into security selection (including what to avoid) decisions, account selection (taxable, tax-deferred and tax free), tax loss harvesting as well as gift and estate planning considerations.


Retirement Planning: Preparation of a complete retirement plan or ongoing services in conjunction with  your portfolio management; we help to answer your individual questions: - How much do we need to retire? - How far away are we from meeting our financial goals? Will we have enough money for retirement? What assumptions should we make about taxes, rates of return and life expectancy? How should we invest our retirement assets? How can we plan when we have to deal with multiple countries, currencies and tax regimes?

Estate Planning: A comprehensive process to help you organize your estate planning and to identify critical gaps. Covers all critical information, documents and people and prepares you to meet with an estate planning attorney.

Personal Financial Planning: We provide customized personal and small business financial planning. Depending on the service level this may include: budgeting and cash flow analysis, life insurance needs analysis, real estate transactions and financing, education funding including 529 plans, cross border moves, inbound and outbound tax planning, Health Insurance and Health Savings Accounts, Foreign currency exchange, tax and banking questions, credit monitoring and credit scores, employee benefits and more.

Tax Planning: US federal income tax rates are currently as high as 43.4%, top effective income taxes are above 30% for many residents of most Swiss Cantons, and income tax rates are even higher in most of Europe. For international families and especially overseas Americans there often exists the possibility of double taxation not just with respect to income taxes but also with respect to wealth, estate, gift and social security taxes so careful consideration to tax implications must be given to all aspects of investment management, retirement, estate and insurance planning. With our expertise in US cross border taxation, US double taxation agreements and Totalization agreements, we assist our clients with the development and implementation of tax optimization strategies that help them grow their investments, preserve and protect their legacy and legally keep a larger share of their wealth.

Read more about our client service levels and pricing.