If you are currently living in Switzerland, considering relocating here, or are planning a return to Australia, find out what we can do for you below

Living in Switzerland

For those who are already living and working here get in touch with our in-house Australian Advisory Manager. We offer bespoke financial advice to make your money work harder and more efficiently. We can also help structure your investments to maximise tax efficiency in the event that you return to Australia.

 

Moving to Switzerland

If you are considering relocating to Switzerland, find out what we can do for you. We offer, along with certain trusted partners, a full suite of relocation services,, including financial advice, legal services, and relocation agents, to make your move and arrival go as smoothly as possible.

When it comes to retirement, your superannuation fund may be the most valuable asset you own, besides your home. Despite this, it is often overlooked or underutilised. It is important that for every year you are accumulating wealth, that you are maximizing the potential for tax efficiency. There is complex legislation relating to superannuation in Australia, which extends to personal reporting obligations, such as whether or not it is necessary to declare this in Switzerland. It is therefore important to do all you can to find out how best to make the most out of all available opportunities. 

Retirement income can come from sources other than your pension. A plethora of other investment vehicles can contribute to your financial security in retirement. Many such alternative investments are tax-efficient in their own way too. It is also very important to review and monitor your existing pension funds.  

We take time to first understand your existing investments, financial situation and objectives for the short, medium and longer term. We then analyse how all of your existing investments have performed and how well they match your objectives, including your risk parameters. We can then make our financial planning and investment recommendations to you

Important financial protection in Switzerland

Great care should be taken if your existing adviser suggests that you can be advised from abroad whilst resident in Switzerland. There are a number of potential drawbacks. In particular, the regulatory protections that you enjoyed before becoming Swiss resident may no longer apply.

These important protections could include:

1. Local compensation schemes

2. Financial Ombudsman Services

3. Unenforceable Professional Indemnity Insurance (PII) claims*

*insurance cover that an adviser firm needs to have to adequately protect its local clients in the event of a financial loss being deemed due to advice given to you.

Regrettably, we have come across several cases of overseas adviser firms that are unaware of the need to take locally regulated financial advice and who continue to advise clients who have moved to Switzerland.

Specialist

The other key problem with taking continued advice from the adviser firm in your previous country of residence is that you may lose out on potentially significant financial opportunities open to you for the following:

Tax-efficiency

Using Swiss or EU specific investment options

Pensions

Tax limitations and alternative strategies

Swiss based

High quality investment management options

How we can

Established in Switzerland in 2003, Blackden Financial offers independent financial planning advice to international clients and their families.

We provide peace of mind to our clients through our tailored financial planning advice solutions, designed to simplify the complexities associated with cross-border wealth management.

This is achieved through our international links from here in Geneva, Switzerland, along with our EU and UK partners.  The result is: 

  • Your existing investments can be assessed updated to take advantage of Swiss investment opportunities and monitored
  • Your ongoing investments can be updated in line with your risk profile and ongoing evolving objectives in the most tax-efficient manner within Swiss rules
  • We are part of the carefully selected team of experienced professional advisers for your whole period in Switzerland
Blackden was also selected recently as one of a small number of firms listed to provide Financial Planning advice to staff members at GAVI Alliance in Geneva.
Pension Transfers

Our solutions are aimed at keeping your costs down, investment performance up and to ensure you benefit from qualified, regulated advice in the relevant jurisdiction.

Find out more now, whether you’re arriving shortly or even in the planning stages. You have nothing to lose and potentially lots to gain, so why not email, phone or complete our Contact Form. One of our team will contact you and arrange a suitable time to discuss how our specialist service for Australian expatriates works, discuss your own situation and how we may help.