Question 1

Who do you work with?

Accepted Answer

We specialise in helping Swiss Nationals, and British and European expats living across Europe. Whether you've just moved abroad or have been living in Europe for decades, we can help you make sense of your pensions, investments, and retirement planning.

Question 2

Do I need a minimum amount to invest?

Accepted Answer

We typically work with clients who have pension pots or investment portfolios of £100,000 or more. However, if you're not sure whether we can help, the best thing to do is book a free discovery call — there's no obligation and we'll be honest about whether our services are the right fit.

Question 3

Can you advise me if I live outside the EU?

Accepted Answer

Our expertise is focused on Swiss Nationals, and British and European expats living in EU countries. If you live outside the EU, we may still be able to help depending on your circumstances — get in touch and we can discuss.

Question 4

What happens to my UK pension if I live in Europe?

Accepted Answer

Your UK pension doesn't disappear when you move abroad, but your options may change. Depending on the type of pension, you might be able to transfer it, leave it where it is, or access it from abroad. We help you understand your options and make the right decision for your situation.

Question 5

Are you tied to any provider?

Accepted Answer

No. I don't use in-house funds or products and I'm not tied to any single provider. I recommend from a broad range of providers available through the regulated firms I work with. I'm paid a percentage fee that's agreed with you in writing before you commit to a plan, and the same fee structure applies whichever provider or product I recommend. So I have no reason to favour one over another.

Question 6

How are you regulated?

Accepted Answer

I'm an International Financial Planner and a Chartered Member of the CISI (Chartered MCSI). AM Wealth Management is not itself a regulated firm. I work with regulated firms: as an Appointed Representative of Swissential SA for clients in Switzerland (FINMA-licensed portfolio manager supervised by OSIF, and FINMA-registered insurance intermediary), and as an introducer to NFS Insurance Advisors for EU/EEA insurance business (ICCS Cyprus, Licence 5689) and Financial Services Network for other non-EU business (FSC Mauritius, Licence C116016070). You can check each firm on its regulator's public register. See How I'm Regulated and Paid.

Question 7

How long does the advice process take?

Accepted Answer

It depends on your situation, but typically from first call to implementation takes around 4–8 weeks. We never rush — we take the time needed to get things right. And you're involved at every step.

Question 8

What's included in the initial discovery call?

Accepted Answer

The discovery call is a 30-minute conversation where we learn about your situation, your goals, and your concerns. We'll give you an honest assessment of whether we can help and what the next steps would look like. There's absolutely no obligation.

Question 9

Do you charge for the first call?

Accepted Answer

No. The initial discovery call is completely free. It's a chance for both of us to see if we're the right fit.

Question 10

How are your fees structured?

Accepted Answer

Your first meeting is free, and there's no charge for your plan until it's implemented. My fee is a percentage of the amount invested or transferred, agreed with you in writing before you commit to a plan. The same fee structure applies whichever provider or product is recommended. There is also an ongoing fee, typically 1% a year, for regular reviews and ongoing advice. You don't pay me directly: the product provider deducts the fees from your investment and pays them to the regulated firm that handles your business (Swissential, NFS or FSN), which then pays me my share. They're the same fees you agreed, not an additional charge.

Frequently Asked Questions

Further reading

What Happens to Your UK Pension When You Move to Switzerland (or Europe)?

Wealth Management in Switzerland for British & Irish Expats: What to Look For

Retirement Planning for Expats: How to Avoid Double Taxation Across Borders

Still Have Questions?