WHO WE ARE
Meet Your Swissential Team

Stephen FYFE
MSc, FPFS, Chartered Financial Planner,
Head of Asset Management,
specialising in Leaving - Retiring

EstarTHATCHER
Financial Adviser, DipPFS EFA,
specialising in Thriving – Leaving – Retiring

Jonathan BERRAR
Conseiller financier diplômé IAF, FINMA n°32902, CICERO n°18417,
specialising in Thriving – Leaving

Christopher CIESLIK
Financial Adviser,
specialising in Arriving - Thriving – Leaving
Certified Financial Planners, dedicated to sourcing the best solutions to match your needs.

Valerio CAPASSO
Financial Adviser,
specialising in Arriving - Thriving – Leaving

James O'BRIEN
Financial Adviser, DipPFS,
specialising in Arriving - Thriving – Leaving
Certified Financial Planners, dedicated to sourcing the best solutions to match your needs.

Adrian JOSSEL
Financial Adviser,
specialising in Arriving - Thriving – Leaving

Jeremy LEE
Senior Client Relationship Manager
Certified Financial Planners, dedicated to sourcing the best solutions to match your needs.

Louise BAKER
Head of Operations

Arjan CHEEMA
Senior Client Relationship Manager

Dameli KOSHERBAYEVA
Operations Assistant

Michael NJOTSA
Client Relationship Manager

Thomas MOODY
Client Relationship Manager

Darwin MONDESIR
Financial Adviser,
specialising in Arriving - Thriving
Financial Tools
Swissentail specializes in assisting International Professionals, whether you have been in Switzerland for one month or decades, utilize all financial tools and institutions available at their disposal to achieve their objectives, whether it is to lower their taxes, grow their savings, access property, protect their family, exit Switzerland, and so on.
We are a thirty people strong company, located in Nyon (canton of Vaud) providing you a qualified service throughout our Online Client Portal to make the most of your time, and to be able to speak to you at any time of the day or evening.
Our aim is to bring Holistic, Swiss Financial-Planning Services to a wide range of International Professionals (foreigners established in Switzerland since a month to twenty years) in order to help them achieve their Financial Goals and make the most of their life in Switzerland.
Historically, we used to provide our services Face to Face, which primarily restricted our consultants to the French-Speaking part of Switzerland. For several years now, with have been using our Online Client Portal and the latest Online Meeting Technology to provide our services and financial tools, online. This way, no more time wasted in transport – our Swiss qualified advisers spend their time where it is the most valued – providing you a service.
Testimonials
Thank You So Much!
Valuable and timely advice received from Swissential on short term financial planning to allow last minute savings! Effective! Greatly appreciated! Thank you so much!
Solved Any Questions
I have the pleasure of working with Swissential, and from the first moment I was very impressed by how consistent and how professional they were. My consultant informed me enough… and solved any questions I had !!! I unreservedly recommend working with them!!! Read more “Solved Any Questions”
Available for Follow-up Discussions
Swissential have been very helpful in understanding our individual situation and explaining the specific Swiss context to us. They patiently took the time to devise a financial plan and always… makes himself available for follow-up questions and discussions. Read more “Available for Follow-up Discussions”
Helpful & Valuable
Swissential has been extremely helpful and valuable to get orientation and advices about my personal assets and investment optimization after my move to Switzerland. I strongly recommend them for expats… and people and families who recently relocated to Switzerland Read more “Helpful & Valuable”
Smooth & Useful
In the last two months, I have been in contact with Swissential regarding optimizing our financial planning. The process was very smooth and useful. I could get informative, professional and… precise information from the team. Thanks for the great work. Read more “Smooth & Useful”
Professional & Precise
In the last months, I have been in contact with Swissential. The team demonstrate having a friendly and smooth process to walk customers through all the information we need to… take decisions, being professional and precise. Read more “Professional & Precise”
Discreet and Easy Going Attitude
After being chased to the point of harassment, by a plethora of finance advisers, a species abundant on the shores of Lac Leman, I was happy to encounter the really… discreet and easy going attitude of Swissential adviser who is a hands on, persistent, yet very friendly in his approach and attitude. I got great advice and impeccable service in our partnership and I can confirm Swissential will be seeing me a lot in the future. Read more “Discreet and Easy Going Attitude”
Nobody Else I would Trust More
I can wholeheartedly recommend Swissential. They did an outstanding job on advising me in matters of Swiss and International tax/investment. They are extremely professional in all their engagements. Nobody else… I would trust more. Thank you! Read more “Nobody Else I would Trust More”
Patiently Guided Through Swiss Social Security System
I was introduced to Swissential almost a year ago while working in Switzerland as an expat. Seeking informed and reliable advice on Retirement Planning, my consultant proved himself to be… extremely knowledgeable. He patiently guided me through the nuances of the Swiss Social Security System 1st, 2nd, 3rd Pillar and assisted me in defining a clear figure and objective to achieve, thus allowing me to structure myself accordingly to achieve it. I have found Swissential to be a true professional in his field and would have no hesitation in recommending them. Read more “Patiently Guided Through Swiss Social Security System”
Attentive to Details
I am a client of Swissential since 2021. They helped me mainly on retirement planning and investment. They are very knowledgeable, attentive to details and extremely reliable in all his… commitments.
I certainly plan to continue working with them in the future Read more “Attentive to Details”
Comprehensive Knowledge
I have been working with Swissential now for a few years. They have given me excellent advice on my Pensions and General Financial Planning whilst I was resident in Switzerland… . I am now returning to the UK and they are advising me on my UK pension/Financial Planning which has been invaluable. They have a very “broad” and comprehensive knowledge of Personal Finance, I can firmly recommend them Read more “Comprehensive Knowledge”
High Level of Professionalism
I am pleased to be able to provide a reference for Swissential based out of Nyon in Switzerland. Having decided to take early retirement and discovering that my company pension… would be based on a UK pension topped up by a pension from the parent company in Switzerland, it was unclear to me how best to proceed and so I made contact with Swissential to help me in understanding my options. Following a detailed assessment of tax liabilities and my future financial needs, my wife and I decided to transfer the accrued UK pension fund and invest the capital in our own personal pension trust. This decision caused a problem with the parent company and Swissential helped me formulate a case to challenge my employers stance on how my UK pension transfer value offset pension accrued during the years of employment as a centre based expat. Following an extensive period of negotiations the parent company conceded to my request to also pay an annual pension income for the period I was employed on a centre based expat contract. In addition, and based on their knowledge of the UK government pension regulations, my consultant helped me to offset tax liabilities by seeking derogation on the Lifetime allowance (LTA). A service which should have been offered by the UK arm of the parent company. Since making initial contact with Swissential I found a high level of professionalism being offered by the team, and at no stage did I feel under pressure to take any specific decision. My wife and I appreciated the professional and friendly advice offered to us. The facts were presented in a clear and detailed manner, which allowed us to understand our future needs, liabilities and long term risks. Without the service offered to us by Swissential I would have been left with accepting a default position of the company to pay a UK pension with a top up from the parent company. For anyone in a similar situation to us, I would strongly recommend that you take up the option of the advice being offered by Swissential that will allow you to make the most appropriate decision that is best for you. Read more “High Level of Professionalism”
Highly Competent
I had recently contact with Swissential regarding options for my pension transfer in the UK. Their team were able to provide me with comprehensive view on my situation and future… options including full analytical report and data. They work in very professional way and are highly competent in the field. Also very flexible and approachable. Based on my experience, I will give Swissential my full recommendation. Read more “Highly Competent”
I Have Trust
Geneva for a long time was awash with people and companies offering financial advice to ex.pats particularly those with UK based company pensions. Turnover of the companies and advisors was… high so it was very difficult to be sure of advice or build up a trusting relationship Have been working with Swissential for more than 4 years I can only say that I have at last found someone who understands my requirements and who I have trust that the advice that I am being offered is right for me and my future retirement
in my consultant I find someone who listens, considers and offer options all with a quiet and thoughtful approach. I also appreciate the Swiss FINMA licence held by Swissential. Moving from a company based final salary pension is not to be taken lightly, but with Swissential advising me I do not regret having taken that decision. if asked I would not hesitate to recommend Read more “I Have Trust”
Save Money & Reduce Risks
I had a consultation with Swissential to discuss my imminent retirement plans. Swissential consultant was extremely professional, presented clear and understandable recommendations based upon analysis of my needs. His recommendations… enabled me to save money and reduce risk in my portfolio. I recommend Swissential.
In addition, they have people who specialise in clients approaching retirement and has colleagues who can support clients earlier in their career, which enables more appropriate advice to be given. Read more “Save Money & Reduce Risks”
Very Strong Resource
Swissential was a very strong resource when planning retirement. My consultant was energetic and responsive in presenting options , and made sure all options and alternatives were clearly and easily… understandable. Read more “Very Strong Resource”
I’m In Safe Hands
As an expat based in Switzerland I’m frequently receiving unsolicted calls from financial advisors who want to talk to me about my pension, my retirement plans etc. I tell them… I’m in safe hands and have no need of their service. Why? Because I’m delighted with the level of advice provided by Swissential, and, unlike many advisors who I’ve worked with since moving here, my Swissential adviser is the first to actually sit down and explain things holistically. I am delighted with advice and support received to date. Read more “I’m In Safe Hands”
Open and Honest
As a newly retired resident here in Switzerland I found Swissential consultant’s advice invaluable. They have a very approachable style and is open and honest about the structure of any… future financial relationships. If you are looking for some retirement planning advice and possible asset management I would recommend you give Swissential a “no obligation” call. Read more “Open and Honest”
Easy to Follow
Like most people I avoid financial calls, however with Swissential I’m glad I didn’t. No pushy sales speak, just an honest appraisal of my position. Excellent advice, and easy to… follow and understand. I wished I’d have come across Swissential earlier in my retirement planning. Read more “Easy to Follow”
Knowledgeable, Professional, Personable
Knowledgeable, Professional, Personable. Being a former asset manager myself, I’ve often struggled to find financial advisors who could really add value. My consultant from Swissential went above and beyond, and… has been invaluable in navigating my personal challenge of managing assets across different jurisdictions, from long term planning to short-term tips to optimize management of my assets. He earned my trust from the get go with his knowledge and honest approach, and I have greatly appreciated his diligence before recommending any solution, without obligation or pressure. Go-to person if you want to take good care of your assets, particularly if UK or Swiss-domiciled. Overall, the have people who are simply outstanding professionals across jurisdictions. Read more “Knowledgeable, Professional, Personable”
Confidently Recommend
I was impressed by Swissential consultant’s professional approach & meticulous preparation. They have a great knowledge of the Swiss Pillar System and I confidently recommend them.
Help Expats
Swissential is of great help explaining to me the benefits of 3rd pillar, giving me well justified recommendations that fit well with my profile. I appreciated their patience and the… time they dedicated to me as well as her friendly and professional attitude! I highly recommend them as a professional that can really help expats seeking for advice! Read more “Help Expats”
Quick & Efficient
Swissential is highly professional and responds quickly and efficiently to all issues that arose. I highly recommend working with them.
Impressed
Impressed with my dealings with Swissential, the advice given to me was appropriate and clearly given and they kept in touch throughout the process. There are many firms offering advice… but I would recommend anyone considering leaving Switzerland to contact Swissential for their friendly advice and service offering. Read more “Impressed”
Personalized Advice
I found my adviser to be professional and knowledgeable and would recommend Swissential to anyone looking for a professional adviser in Switzerland! They put a lot of effort into offering… support to their clients and give the best personalized advice! Thank you! Read more “Personalized Advice”
Responsive
I was a client of Swissential for quite sometime and during that period they have always been responsive to all my requests and questions. Ma adviser was the contact person… of both my and my wife’s 2nd Pillar accounts. I would most definitely recommend them. Read more “Responsive”
Tailored to My Situation
I appreciate Swissential asviser’s advice being tailored to my situation and needs and have recommended them to colleagues seeking advice. Would do so again.
Very Knowledgeable
Swissential have been providing financial advice to me, mainly for the Pillar 3a and the Pillar 2 products (Switzerland). I highly recommend working with them, as they are very knowledgeable… and always eager to explain all the details that I need. Read more “Very Knowledgeable”
Highly Recommend
Swissential offer very friendly and professional financial planning services. I highly recommend them to everyone looking for advice on Swiss Pension & Savings Plans.
Excellent Support
Swissential provide excellent support and advice to me around the Swiss pension pillar systems and most importantly to me, maintains regular communication so that I know my assets are in… good hands Read more “Excellent Support”
Professional
Swissential offers an easy to understand yet friendly and professional financial planning advice and strategy. I found our meetings very helpful, as adviser presented and responded to questions in a… friendly and susinct manner. I would recommend them to anyone looking for help and advice on Swiss Pension & Savings Plans. Read more “Professional”
Very Friendly
My consultant walked me through various complex processes with ease. A very friendly demeanour and would highly recommend! Thank you for outlining next steps with my Swiss departure and pension… options. Read more “Very Friendly”
Job Well Done
I thoroughly enjoyed my interactions with my consultant and the team at Swissential. Even though I did not ultimately become a client, I have found them to be very knowledgeable… about Swiss pensions, they were extremely patient with me and was able to demystify a complicated topic. The promise of a no obligation discussion is true with no strings attached, the pre-work and proposal they prepared were top class and if my situation changes, I will most definitely have Swissential on my shortlist! Thank you for a job well done. Read more “Job Well Done”
Appreciate the Treatment Received
Swissential has outstanding advisors. Mine has provided me with personalized advice for my investment profile, considering my preferences and finding the most appropriate plan.
When I had any question/requests,… they have been addressed always quickly and smoothly. I really appreciate the treatment received and the efficient and flexible communication.
I can only recommend working with Swissential when it comes to planning your personal finances. Read more “Appreciate the Treatment Received”
Fully Recommend
My consultant is fantastic at matching the right products with your needs and expectations. She spent time and energy explaining, asking questions, getting to know me and checking in on… any doubts I had. She is a lovely person to deal with and has a great communication style that makes it clear and easy to get advice and make decisions. I fully recommend them! Read more “Fully Recommend”
Unquestionably Recommend
I had the opportunity and the privilege to be advised by Swissential adviser for my financial and retirement plan. Their level of professionalism and competence in these domains is exceptional,… to say the least. They take the time to listen to the client, analyze the requirements and then come up with a series of options. What makes the difference between my adviser and many other advisers is that they look at the option that fits best for you, not for them. I unquestionably recommend Swissential for any inquiries you might have on your financial or retirement plans. Read more “Unquestionably Recommend”
Right Financial Plan
It is not easy to find the right financial plan, especially when you are settling in a new country. My consultant took time to explain and provide the optimal financial… service meeting my needs. Have a chat with Swissential if you are looking for advice on Swiss pension and savings plan. Read more “Right Financial Plan”
Analytical Thinking
I met Swissential consultant at a time when I was reading a lot on financial instruments, investing and ways to secure my family’s financial future. He showed great consideration, competency… and preparedness to what we are trying to achieve, by effectively proposing and trimming every little detail along the way. His friendly attitude, analytical thinking and knowledge helps us comprehend and adjust everything to our needs. He is always available and ready to help. I would strongly recommend Swissential to anyone who is seeking financial advice. Read more “Analytical Thinking”
Explain in Details
My consultant’s approach:
– Listen patiently all your questions (or ask you the right questions if you are completely clueless about how to improve your financial life)
–… Figure out issues and/or contradictions in your strategy to reach financial goals (or explaining you why you should have a strategy and financial goals)
– Explain in details pro and cons of different solutions
– Give you time to figure out what fits better to you (without being pushy)
– Repeat the process (if needed)
If you like the idea to go through this “path” be in touch with Swissential. Read more “Explain in Details”
Clarity of Expression
Our consultant helped us, clarifying my information, answering many questions as well as structuring an approach to invest current savings in the long period. Always with the help of figures,… he showed us many possible scenarios. Last but not least, his clarity of expression and availability strengthen our cooperation. Read more “Clarity of Expression”
Spoke Our Language
I was lucky to meet my consultant when I was looking for financial advice. He spoke our language and clearly answered all our questions. In addition, he presented solutions that… matched our family’s needs. I would definitely recommend Swissential to everyone looking to explore their investment options. Read more “Spoke Our Language”
Strongly Recommend
The company provided succinct and relevant feedback and I would strongly recommend them.
Make Your Life Easier
I highly recommend Swissential if you want to make your life easier. They explain really clearly all the pros and cons of every financial decision you can make.
I… have been working with my adviser for a few months and he has already helped me a lot navigating the Swiss system, helping me to save money and making the appropriate investments.
I feel I am in very capable hands with him and I appreciate the transparency that underpins our relationship.
He is also a very pleasant person to talk with and any time I know I can rely on him. Read more “Make Your Life Easier”
UK and Swiss Pensions
My adviser from Swissential, has been invaluable in supporting my retirement planning. It is a pleasure working with him and I appreciate greatly his knowledge and diligence in navigating the… complexities of both UK and Swiss pensions, taxation and financial investments. He took the time to fully understand my situation and goals before presenting a number of proposals, without obligation or pressure. I am very pleased with the outcomes we have achieved over the past year and will certainly be continuing to work with Swissential. Read more “UK and Swiss Pensions”
For My Specific Needs
Had a very informative and constructive discussion with Swissential’s adviser
They are very knowledgeable around all the Swiss retirement pillars, gave me great advice and suggestions, therefore I a… looking forward to our next meeting to continue to set up my retirement benefits and financials in the most efficient way for my specific needs.
I highly recommend Swissential SA to anyone!!! Read more “For My Specific Needs”
Very Good Consultancy!
Very good consultancy!
Even though our case was finally not so interesting for Swissential (from a business point of view), the consultant provided us good explanation and a lot… of advice! Read more “Very Good Consultancy!”
Professional Assistance
A highly recommended financial advisory in Switzerland, especially for those who just moved in or planning to move out and would like to understand how to benefit from the tax… system. For those, who decide to stay longer, the company offers a professional assistance for saving plans, tax declaration and assets management. Read more “Professional Assistance”
Valuable Information
My adviser from Swissential has been explaining all details of the various areas of pension pillars and how they impact on taxation. He has been very professional and shared valuable… information and good recommendations. Read more “Valuable Information”
Definitely Recommend
I have been contacted by Swissential to help me organize my finances. The call was very clear and all my doubts were clarified. I even reached out to them on… a different (but related) topic and they quickly gave me their input. I will definitely recommend them. Read more “Definitely Recommend”
Very Supportive
I’ve been working with a Swissential as my financial advisor for the last 2 years. My advisor is very supportive and finds time to answer my questions. I really appreciate… his level of preparation and knowledge about the Swiss financial system. I can definitely recommend Swissential as a personal financial advisor. Read more “Very Supportive”
You won’t find a better consultant
I’ve been working with my financial consultant at Swissential on my financial planning since 2 years. He provides with a wide range of income tax and savings experience. That also… includes continually researching and interpreting tax laws in Switzerland to insure fully up to date guidance. Additionally, They assists me in financial investments, identifies tax savings and optimizes tax returns. You won’t find a better consultant on the Swiss market than them! Read more “You won’t find a better consultant”
Comprehensive Information
I’ve been working with Swissential advisor for financial and retirement planning. He provides excellent service which includes comprehensive information on Swiss tax and retirement systems, financial systems, and investments. I… would highly recommend Swissential as a company to anyone – especially people just arriving in Switzerland. Read more “Comprehensive Information”
Clear and Precise Communication
I had a very good experience with Swissential. We was able to understand my needs very quickly and make proposals accordingly. Above all, I would recommend them for their clear… and precise communication as well as his open and trustworthy approach. I would for sure encourage you to have a conversation with Swissential consultant if you feel that your financial position could benefit from optimization. Read more “Clear and Precise Communication”
I suggest new-movers to Switzerland to get into touch with Swissential
Swissential really helped me to understand different pension and investment options. They also shared potential benefits that I might enjoy on tax management. I strongly suggest new-movers to Switzerland to… get into touch with them and learn essentials of Swiss finance- pretty helpful. Read more “I suggest new-movers to Switzerland to get into touch with Swissential”
Help to understand my own situation
Swissential has excellent advisors. Mine really helped me to understand my own situation, even one rapidly changing, with great advice around it. The consultant was an excellent communicator, had the… capacity to explain and clarify issues better than anyone, and was extremely sympathetic yet strategic to individual situations. I would certainly recommend Swissential. Read more “Help to understand my own situation”
Communication skills
I am benefiting from the consultancy services of my consultant who is great at providing full picture but also details when needed to make an informed decision. He has great… communication skills and great technical knowledge- looking forward to a long term partnership! Read more “Communication skills”
Excellent financial advisor
The Swissential consultant is very professional and knowledgeable. At the same time he is very friendly and it is an enjoyable experience interacting with him. He is an excellent financial… advisor helping people to structure their finances in a smart and optimized way. He knows well the Swiss system and has a lot of experience working with clients who come from abroad. He spends a lot of time discussing and understanding the needs of his clients and gives them input and advice on retirement and savings planning. I highly recommend contacting him and setting up an appointment to discuss. You will not regret it! Read more “Excellent financial advisor”
Swissential is the answer
If you are wondering how to manage your finances in a efficient and wise way… Swissential is the answer. They not only know everything about these topics, they also explain… it so easy and clear that makes everything a bit more easier and accessible for your understanding. Great advisers and professionals Read more “Swissential is the answer”
Ideal for setting up financials goals
The Swissential Consultant is the person who has become for me a ideal for setting up financials goals. This can be a complicated and time consuming process for a foreign… person coming to Switzerland but the consultants professionalism and approachability has made a difference for any financials advice required. Definitely we will continue to work together in 2022 ! Read more “Ideal for setting up financials goals”
Truly here to assist
The consultant has taken the time to realistically assess my situation, advised without personal bias and gave honest feedback.
He stands out thanks to his friendly personality and professional… attitude. This guy is truly here to assist, not waste your time. Read more “Truly here to assist”
They have always been available to help
I really recommend the Swissenial team, I am working with them since one year and they have always been reactive and very professional. They guided and helped me especially for… my 3rd pillar pension fund. On top of it, they have always been available to help and answer my questions even out of their professional activity.
Now that I am planning my departure from Switzerland, their advice and expertise are very helpful for optimizing my financial assets. Read more “They have always been available to help”
Very competent consultant
The Swissential Consultant has been in the past 2 years a great financial advisor regarding my pension plans and private finance. He is a very competent consultant, caring and present… yet not intrusive, that try to understand and support the personal and financial objectives of his clients. He is structured and easily available making him very easy to interact with. Read more “Very competent consultant”
He is my go to person
I have been working with Swissential only recently and yet it feels that I know the consultant for ages. The Swissential consultant is very knowledgeable, professional and with an excellent… sense of humour! He is my go to person for all matters, financial, pensions and mortgages. Read more “He is my go to person”
Clear Communication
The Swissential Consultant has been really helpful guiding me on the purchase of my first property in Switzerland and all the financial intricacies regarding 2nd, 3rd Pillars, Mortgages, savings, insurance… etc. He has a great attention to detail, with a clear communication style. I recommend 100% Swissential services as they have provided me valuable independent advice for my finance. Read more “Clear Communication”
Prepared And Professional
Swissential has prepared and professional Financial Consultants. What i admire the most about my consultant is their transparency in showing me all the solutions that fit my familiy’s needs the… best. Read more “Prepared And Professional”
A Great Professional
Swissential consultants are great professionals who can guide you through the complexity of financials investments and insurance contracts. Their technical capabilities are enriched by human understanding, trust and transparency. I… consider myself lucky for meeting my consultant, thank you for your services and transferred knowledge. Read more “A Great Professional”
A Deep Understanding
Swissential are very knowledgeable professionals with a deep understanding of the Swiss system. Their advice has been extremely useful and I would definitely recommend them to anybody who wishes to… set themselves up properly for the future. Read more “A Deep Understanding”
The information is clear
A lot of professionalism and very attentive. The information is clear.
Very pleased
Excellent professional services in the heart of Nyon. Very pleased with first advices and looking forward for a continued follow up. Thanks you Swissential Team.
I recommend Swissential
Very professional team. Thanks to the consultant for his high knowledge in the Swiss system. I recommend Swissential to open a 3rd pilar
Knowledgeable and helpful
I met with Jonathan Berrar from Swissential who was very knowledgeable and helpful. He really went above and beyond to explain the nuances of the Swiss pension schemes and different… options available. Read more “Knowledgeable and helpful”
Dedicated to their customers
Swissential is fortunate to have dynamic employees who are totally dedicated to their customers – looking for the best solution – they have allowed me to understand a lot about… the Swiss system and to benefit from it Read more “Dedicated to their customers”
Excellent service
Excellent service, they helped me understand all the options with my Swiss retirement before returning to Portugal.
Breath of fresh air
Breath of fresh air working with an efficient and conscientious company.
Clear explanations
Great first contact. Clear explanations on a difficult topic. Fully available for clarifications
Friendly, transparent and highly professional
friendly, transparent and highly professional. I would definitely recommend Swissentials, especially for expats living in Switzerland or about to leave.
Professional and transparent
Very satisfied with the service until now. The consultant has provided professional and transparent advice.
Accurate and helpful
The information I received from Swissential was accurate and helpful, I would recommend arranging a chat with the team particularly if you plan on leaving Switzerland in the near future.
Refreshing
It is refreshing to work with a company that is really trying to change the perception of Financial Advice in Switzerland.
Well explained step by step
Good for those who want to know more about possible tax deductions in Switzerland, well explained step by step.
Professional
On a subject as complex as that of the pillars in Switzerland, the consultant informed me what they consisted of and recommended, in my personal case, what my options would… be. He is professional, close, uses real examples and speaks Spanish. Read more “Professional”
Insight and professionalism
Very useful information received which will aid my future financial planning. Delivered with insight and professionalism.
Perfect understanding
A very professional team, perfect understanding of my personal problematic and clear advices focused on my needs.
I highly recommend Swissential SA.
Strongly recommend the Swissential team
My experience was positive from start to finish, the information provided to me was clear and concise. I was able to understand some of the areas that were never explained… to me properly until i met with the Swissential team. They explained how my AVS was calculated, they assisted me in reading my 2nd pillar statement and gave me strategic advice . I appreciated their approach as it was no pressure and very informative. I would strongly recommend the Swissential team. Read more “Strongly recommend the Swissential team”
Very helpful
Swissential was very helpful; they reviewed with me the details of the Swiss system and the options available to easily optimize my taxes. I’m confident others will find value when… dealing with them. Read more “Very helpful”
Optimized my taxes
Swissential has been very helpful to me in regards to understanding the Swiss system and how to easily optimize my taxes. Professional advise, not pushy, which was a nice change… compared to other advisors I had met. Read more “Optimized my taxes”
A very accessible location
Super professional team. Swissential are in a very accessible location in Nyon. I’m more than happy with the level of advice during our initial discussion and looking forward to our… follow up meeting. Thank you for all the information. Read more “A very accessible location”
They actually care
I learned a lot from these guys and certainly feel well advised. You can tell they actually care instead of just trying to sell you something. Very happy with the… way I was dealt with and would recommend to others seeking to improve their set up in Switzerland. Read more “They actually care”
Competent, flexible and determined
Great experience. The advisors are competent, flexible and determined to help. Highly recommended to anyone wishing to put in place a smart strategy on their retirement funds.
Highly professional and informative
Swissential are a great team, they helped me with my understanding of the Swiss system which saved me thousands of Swiss Francs when I extracted my pension. Highly professional and… informative. Read more “Highly professional and informative”
Professional and very friendly
I was shown all the possibilities and opportunities available to me in my current situation. There was plenty of explanation at each stage and I felt no pressure whatsoever, in… fact the surprisingly open and honest approach was relaxing; I felt confident and in control at all times. The Swissential team is professional and very friendly. I can’t recommend them highly enough. Read more “Professional and very friendly”
Saved me time and money
I recently utilised Swissential’s services and would highly recommend. Jon and his team were extremely professional and highly efficient, saving me time and money. I highly appreciate their support for… navigating me through the Swiss system and securing me my pension in a timely manner. Thank you Swissential! Read more “Saved me time and money”
Incredibly helpful
My financial advisor has been incredibly helpful, supportive and highly professional. Appreciate his candour and straight-forward approach and advice. I value his ability to recommend and propose the ‘right’ financial… products & offerings relevant for me and my financial objectives. Overall, highly recommended. Read more “Incredibly helpful”
Stress free and super smooth
Had a great experience with Swissential. They were very helpful and a friendly team. Saved me a lot of money and took the time to explain everything that I needed… to know and answer any questions I had. Would highly recommend to anyone needing help with their pensions. Thanks to Swissential my experience with moving my pension was stress free and super smooth. Read more “Stress free and super smooth”
A Shining Light
Refreshingly honest and trustworthy, a shining light in financial advice.
Provides me the best solution
My consultant has been supporting me on all financial decision I have been taking in my life since 2019. He is very professional, organised and knowledgable and always provides me… the best solution that fits my financial/risk profile. I trust him and I really recommend him. Read more “Provides me the best solution”
Sharp and to the point
I can only recommend Swissential for any Swiss related financial advice you may have. He has been sharp and to the point in my case, providing really good guidance, answering… all necessary questions and even more. Read more “Sharp and to the point”
I felt satisfied and happy
My consultant was not only a very professional and knowledgeable person, he was also very friendly, very good at explaining complex concepts and rapidly understood the ins and outs of… our personal financial situation. The journey was never too fast, never too slow, optimal pace to get to a point where I felt satisfied and happy with the result. I look forward to continue my bi-annual conversations with him. Read more “I felt satisfied and happy”
I definitely recommend
Thank you so much for all your advices and help! You and your team have been super supportive and helpful! Thoroughly providing all the details, plans and following up! I… definitely recommend people to reach out and take your excellent advices! Read more “I definitely recommend”
A highly knowledgeable financial advisor
My consultant is a highly knowledgeable financial advisor and also a great person. He spent a lot of time to understand our situation vs offering ready solutions and made a… tailor made valuable plan that works for us. He made him self available and helped to find solutions and guide us in our very dynamic case. On top of all the wisdom he has, he is a great guy that is a pleasure to partner. I highly recommend him in a financial aspects to anyone living in Switzerland to plan their future. Read more “A highly knowledgeable financial advisor”

We are a Financial Planning led Investment Management Business
These are the steps we follow to help you:
- We help you set your Financial Goals
- Family Protection
- Mortgage Planning
- Education Planning
- Retirement Planning
- We assess your current path
- What is your current understanding of options available to you in Switzerland?
- What is your current understanding of your current level of family protection?
- How do you currently save?
- Have you used all tools to optimize your taxes?
- Are you structured to save efficiently over time?
- We build a tailored plan to achieve your goals
- We primarily use mainstream Tax Optimization Tools (3a, 3b, Buy-Back, Buy-Forward, AVS Bridge, Extra Ongoing Contributions in your pension plan)
- We primarily use mainstream Financial Optimization tool (assessment of your Asset Structure, your current saving pattern, your risk profile)
- We implement the plan
- We start with optimizing your taxes on an ongoing basis:
- We then implement Lump Sum asset management solutions
- We keep you on track / We service the plan
- Based on your requirements, we discuss your Financial Plan once a year to twice a year to keep you on track and make the necessary adjustments
At Swissential SA, we have one simple mission: To empower you to ask the important questions and make the right decisions. We specialise in helping you understand the rights, entitlements and opportunities unique to Switzerland.
Being based in Switzerland is a unique opportunity to achieve your objectives, goals and ambitions. Our role is to support you to achieve these milestones by ensuring that you understand the tools that are available and helping you implement them strategically and effectively.
Our approach has been developed over numerous years of advising people from different nationalities, age group, industries in Switzerland. We have learned to tailor our advice to your personal circumstances by actively listening. This means you walk away with what you actually need.
Our mantra is simple: Always start with the basics as these are essentials. Imagine you are in the process of building your own house. Would you start with picking the type of flooring you want before having built the foundations? More often than not, individuals have the right intentions but simply not the know-how to optimize their situation. The majority of professionals we meet are looking for simple solutions that fit their individual or family circumstances – solutions that protect their income, their savings and their loved ones, whilst providing consistent growth over the long term.
Essential Financial Planning advice
We provide essential Financial Planning advise to individuals and families that have either recently moved to Switzerland, currently live in Switzerland or intend to leave the country soon. We can’t make you rich – all we can do is show you how you can make yourself wealthier by having a Financial Plan and executing it on a consistent basis.
Once we have helped you make sure the foundations are in place, our Consultants will assist with other areas of financial planning, including Portfolio Management, Investment Advice or International Pension Management. It is important for individuals or families that have accumulated assets, whether domestically or aboard, to be correctly informed of the options available to protect their savings, mitigate taxes and achieve growth over the mid to long term.
The Internet provides a Wealth of information on these topics, but can be a double-edged sword for those who lack the full framework within to structure the information available.
Our team of Swiss Specialists offer advise in English, French, Italian, Greek and Polish.