White Lighthouse Investment Management (WLIM) is an independent investment management and financial planning company based in Lexington, Massachusetts and Lausanne, Switzerland and was established in 2006. We provide fee-only investment management and financial planning services to individuals and families around the world. We specialize in serving overseas Americans, especially in Switzerland, non-Americans living in the United States, families with multiple nationalities and clients who require a global perspective. For more details, please visit our services page or contact us.

WLIM offers personalized service to each of our clients, many of whom are American and European expatriates in Switzerland, the United States and elsewhere around the globe. With clients on five continents and over a dozen nationalities, we understand many of the complications of personal financial planning across international borders and work with a network of specialists to serve all of the financial planning needs of our clients.

Additionally, we have a comprehensive understanding of U.S. regulations and practice which enables us to serve Americans and Green Card holders living overseas.


Jonathan Lachowitz, CFP®

photo by: Aurélien Puthod

photo by: Aurélien Puthod

Jonathan is a strong believer that delivering exceptional service and expertise is paramount for earning and retaining the trust of his clients. It is upon this keystone which he founded White Lighthouse Management in 2006. He is a Certified Financial Planner™ professional in the United States and Switzerland and was previously a board member of the Swiss Financial Planning Organization. With his experience and research in a variety of Cross-Border Financial Planning topics, he guides hundreds of highly successful clients in making sound personal and professional choices. At White Lighthouse, Jonathan is dedicated to serving his clients while growing with a team of exceptional individuals, all passionate in cross-border financial planning and in creating a sustainable organization that will thrive beyond the current generation. Jonathan splits his time between Lexington, Massachusetts and Lausanne, Switzerland and is a citizen of both countries.

Jonathan holds a MBA in Finance and International Business from New York University's Stern School of Business and a BA in Economics from Hamilton College. An avid learner, he has furthered his studies at IMD in Switzerland, as well as in the UK and in Kenya. Jonathan has been a volunteer and executive committee member for the non-profit, non-partisan organization, American Citizens Abroad (ACA) for over a decade and is currently the Chairman of American Citizens Abroad Inc. At ACA, he and his colleagues work tirelessly to improve US government policy with respect to its treatment of overseas Americans and their families. Jonathan shares his experience, knowledge, and insights through the many articles he has written on personal finance, including over a dozen for the Wall Street Journal and a quarterly newsletter, and as an occasional lecturer at IMD & ESCPbusiness schools in Lausanne and London. Jonathan has also organized dozens of events with expert panelists in an effort to help further educate Americans overseas on a variety of financial, tax and personal financial planning subjects.


Marina Hernandez, CFP®

Marina Hernandez joined White Lighthouse Investment Management as a Cross-Border Wealth Manager in 2014. She is a CFP® professional and a federally licensed Enrolled Agent, allowing her to represent taxpayers before the IRS. Marina earned her degree in Accounting from the Catholic University of Argentina, where she finished first in her class. She later attended the University of Georgia on a full merit scholarship where she graduated co-valedictorian with an MBA in Corporate Finance.

Marina started her career in Buenos Aires working for multinational corporations including Pilkington PLC and the Coca-Cola Company. After moving to London with her American husband and young children, she became aware of the unique tax and financial burdens faced by Americans living abroad. Upon returning to the United States, she founded a cross-border tax planning firm to help U.S. expat families work through these challenges.

After meeting Marina through the Financial Planning Association, Jonathan Lachowitz invited her to join White Lighthouse in 2014. Here, she’s had the opportunity to expand her focus beyond tax planning to other areas of financial wellbeing such as cross-border estate and small business planning. When Jeff Haindl joined the firm, Marina and Jeff decided to combine their complementary skills and diverse backgrounds to work as a team in order to best serve their clients.

Having experienced firsthand the transformative power of the access to education, Marina and her family actively support educational initiatives for under-privileged children in both the U.S. and South America. These include CEV, a Bolivian school run by A Breeze of Hope Foundation, a Philadelphia charity, and needs-based scholarships at the Universities of Tennessee and Georgia. She also enjoys teaching International Tax to Enrolled Agents, CPAs, CFPs, and other professionals through Tax Practice Pro and sharing her expertise in tax professional forums. In 2016, The National Association of Accountants recognized Marina as their Tax Talker of the Year for these contributions.

Marina currently lives in the greater Philadelphia area with her husband and three sons. She travels regularly throughout the USA and Switzerland to meet with clients and to speak at conferences where she makes connections with professionals in the cross-border tax and financial services fields.


Kathleen Quintero

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Kathleen Quintero joined White Lighthouse Investment Management as an Accountant and Compliance Officer in April 2018. 

Kathleen has a Bachelor’s Degree in Accounting from Ramapo College in New Jersey. Kathleen has worked most of her career in corporate America for two large multinational companies, Ingersoll-Rand and Mercedes Benz USA, LCC in international finance.  During these tenures, she has worked in international accounting, corporate consolidation, corporate finance and planning. She has been on multiple teams implementing international financial and accounting systems, interface management systems and transferring of processes to shared service centers.

Kathleen has been awarded several honors during her career including the President’s award and the Silver Star award at Mercedes Benz USA LLC, Dresser Rand Letter of Recognition at Ingersoll Rand and the RJ Martin Company Outstanding achievement award.   

In addition to working in international corporate finance, Kathleen spent a few months working in Fribourg Switzerland, while implementing an accounting system for Ingersoll_Rand. Kathleen also has personal cross border experience as her husband of 19 years, Gil, immigrated to the United Sates from Colombia.

 

You are invited to contact us to schedule a free, no-obligation, consultation.

 
 

Certified Financial Planner Board of Standards owns the certification marks CFP® Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which is awards to individuals who successfully complete CFP Board's initial and ongoing certification marks. SFPO, The Swiss Financial Planners Organization is responsible for licensing the CFP® certification marks in Switzerland.