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.

FINANCIAL PLANNING QUESTIONS

Below are some of the most common personal retirement questions we have been asked. If you are looking for a financial planner to help answer your questions, perhaps we can help.

Investing

INVESTING

  1. How do I know if my portfolio is well diversified?

  2. What rate of investment return should I assume over the long term?

  3. What is the lowest and highest rate of return I should expect each year in my portfolio?

  4. What should my investment goals be?

  5. Which asset classes should be in my portfolio?

  6. What is an asset class?

  7. In what currency should I invest?

  8. How does currency impact my investment portfolio?

  9. My spouse does not know anything or is not interested about our finances and investing, what should I do?

  10. Is it possible to time the markets?

Risk

RISK

  1. What does risk mean in investing?

  2. What do you mean by risk capability?

  3. What is risk tolerance?

  4. Does risk only mean losing money?

  5. Are cash and bonds risk free?

Advisors, Fees & Expenses

INVESTMENT ADVISORS, FEES AND EXPENSES

  1. Are there different types of investment advisors? How can I tell the difference?

  2. What is the normal cost for Investment Management?

  3. How do investment advisers earn their fees?

  4. Is it better to work with an independent investment adviser or the investment managers at my bank or a large brokerage firm?

  5. Why are the Swiss Banks so expensive?

  6. Why don’t many foreign banks like working with Americans?

Saving for Retirement

SAVING FOR RETIREMENT

  1. How much money should I save each month so I don’t run out of money in retirement?

  2. How much extra should I save each month? Am I saving enough to meet my goals?

  3. How much of an emergency cash reserve should I have?

Living in Retirement

LIVING IN RETIREMENT

  1. Should I put my entire investment portfolio into an annuity when I retire?

  2. Can I afford to retire?

  3. How much monthly income can I expect in retirement?

  4. How long should I expect to live in retirement?

  5. How do I make sure I don't run out of money after I retire?

  6. Does working part time in retirement make sense?

  7. Are there some good strategies to maximize US and Swiss social security benefits?

  8. What is my optimal withdrawal strategy?

Taxes

TAXES

  1. I think I pay too much in taxes. Is there any way to reduce them?

  2. If I want to minimize my taxes each year, what is the best strategy for my investments?

  3. Why did the bank withhold taxes? Can I get the money back?

  4. What is the difference between tax deferred, tax free and taxable accounts?

  5. Do I have to file a U.S. Tax Return while I am living and working outside of the US? Do my children need to file a tax return too?

  6. Will I be taxed in both the United States and in the country where I am working when I am overseas?

  7. How much money can I give as a gifts each year without paying taxes? Does it matter which country I live in?

  8. Do I have to pay US social security taxes when I'm working abroad?

  9. What’s included in the Swiss wealth tax calculation?

  10. Is there a treaty between the US and the country where I live?

  11. Do I have to file a tax return if I don’t owe US tax?

  12. What is FATCA? Why does it have anything to do with my tax return?

  13. What is the FBAR?

  14. My spouse is not a US Citizen. Is his income taxed in the US? Does he have to report his bank accounts?

Estate Planning & Gifting

ESTATE PLANNING AND GIFTING

  1. What happens if my spouse or I die while we are living in a foreign country?

  2. Is our US will valid in the foreign country?

  3. Will our assets be taxed both in the US and the foreign country if we pass away?

  4. Should we be more concerned with wealth preservation or capital appreciation?

  5. Is it better to pass our wealth at death or to gift some of it during our life?

  6. Charitable giving is important to us, what’s the best way to do this?

  7. I have children from my first marriage. How do I make sure they are taken care of if I pass away?

  8. My spouse is not a US citizen. Does that matter?

Insurance

INSURANCE

  1. Do I need life insurance? Do I have enough?

  2. What are the different types of life insurance and which one do I need?

  3. Can I keep my life insurance if I move to another country?

  4. Am I paying too much for life insurance?

  5. What is long term care insurance and do I need any?

  6. What is long term disability insurance? Do I need it?

  7. Do I need personal liability insurance?

  8. What is an umbrella policy?

Contact us if you would like to discuss these or other personal financial planning questions.