How It Works

Our six-stage process — designed to give you clarity, confidence, and a plan built around your life.

Our Six-Stage Process

From First Call to Long-Term Partnership

01

Discovery Call

An honest, open conversation

Every great financial plan starts with a conversation. We take time to understand who you are, where you are in life, and what matters most to you — whether that's retiring comfortably, protecting your family, or making the most of your years abroad. There's no agenda, no jargon — just an honest, open discussion.

What happens

No agenda, no jargon
Understand what matters to you
Decide if we're a fit
02

Gathering the Full Picture

Understanding your present

Before we can plan for your future, we need to understand your present. We collect a clear picture of your income, assets, liabilities, existing policies, pensions, and tax position — including any cross-border complexities across the UK, EU, or Switzerland. The more we understand, the better we can help.

What happens

Income, assets & liabilities
Existing policies & pensions
Cross-border tax position
03

Analysing Your Situation

Where you stand vs where you want to be

With your full financial picture in front of us, we analyse where you stand today against where you want to be. We identify gaps, risks, opportunities, and any areas of concern — and we look at how your current arrangements are really working for you.

What happens

Identify gaps & risks
Spot opportunities
Review current arrangements
04

Building Your Plan

Clear, personalised, jargon-free

We develop a clear, personalised financial plan tailored to your goals, your timeline, and your life. We present our recommendations in plain language — not industry jargon — so you can make informed decisions with confidence. We explain the reasoning behind every recommendation.

What happens

Tailored to your goals
Plain-language recommendations
Reasoning behind every step
05

Putting the Plan in Place

We handle the implementation

Once you're happy with the plan, we take care of the implementation. From investment arrangements to protection policies and pension planning, we manage the process on your behalf — coordinating everything so you don't have to. We only charge a fee when you are happy with the plan, and it is implemented.

What happens

End-to-end coordination
Investments, protection & pensions
No charge until implementation
06

Ongoing Review & Support

Here for the long term

Your life changes — and your financial plan should too. We schedule regular reviews to ensure your plan stays on track and remains relevant as your circumstances, goals, and the wider financial landscape evolve. We're here for the long term, not just the initial advice.

What happens

Regular scheduled reviews
Adapts as life changes
Long-term partnership
CISI Chartered Member
Expat specialist

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AM Wealth Management

Transparent, international financial planning for Swiss Nationals, and British & European expats across Europe.

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CISI Chartered Member 2026-27

AM Wealth Management is a trading name of Andrew Mallon, International Financial Planner and Chartered Member of the Chartered Institute for Securities & Investment (Chartered MCSI). AM Wealth Management is not itself a regulated firm. Andrew Mallon works with the following regulated firms:

Clients resident in Switzerland: as an Appointed Representative of Swissential SA (CHE-130.612.898), a FINMA-licensed portfolio manager supervised by OSIF and registered with FINMA as a non-tied insurance intermediary (No. F01185401), affiliated to the Financial Services Ombudsman (FINSOM).

EU/EEA insurance business: as an introducer to NFS Insurance Advisors, Agents and Sub Agents Ltd, authorised and regulated by the Cyprus Insurance Companies Control Service (ICCS), Licence No. 5689.

Other non-EU business: as an introducer to Financial Services Network Ltd, licensed by the Mauritius Financial Services Commission as an Investment Adviser (Unrestricted) and Insurance Broker, Licence No. C116016070.

How we're paid: a percentage fee, agreed with you in writing before you commit to a plan. The same fee structure applies whichever provider or product is recommended. The product provider deducts the fee from your investment and pays it to the regulated firm that handles your business, which then pays us our share. It is the same agreed fee, disclosed in full beforehand, not an extra charge.

Disclaimer: This Website is for information purposes only and should not be regarded as an invitation or inducement to engage in financial services. The information contained on this Website is not intended to be an offer to buy or sell securities. We give no representation, warranty or guarantee as to the accuracy, correctness or completeness of such information or as to the tax or legal consequences of any related transaction.

Risk Warning: Any investment in financial instruments entails substantial risks, the degree of which depends on the nature of each investment and may not be suitable for all investors. The value of any investment may increase or decrease in value and investors may lose all their invested capital.

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