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
I’m sure I am making the right choices for my future
Thanks to his financial competence, to his knowledge of international regulations and, last but not least, to his personal empathy, I got immediately the point and I’m sure I am making the right choices for my future.
Read more “I’m sure I am making the right choices for my future”
I would definitely recommend Swissential for future collaborations!
My consultant has been always available and provided great support.
His professionalism and knowledge of the wealth management business, combined with a great personal approach is a wonderful cocktail to which helps to provide the best service to clients.
I would definitely recommend Swissential for future collaborations!
Read more “I would definitely recommend Swissential for future collaborations!”
Uses his knowledge well to present well-founded options
Read more “Uses his knowledge well to present well-founded options”
All these information was free of cost, this is amazing!
Read more “All these information was free of cost, this is amazing!”
Honest, trustworthy and reliable
Professional, capable and understanding
If you have moved to Switzerland and need help with understanding subjects such as understanding salary statements, pensions and investments – I recommend Swissential. They are professional, capable and understanding.
Trusted and reliable
I suggested him to many friends of mine
No matter what my question is, they have an answer and a solution. I really appreciate the clarity and precision in answering, and also their proactiveness. I will keep on working with them and suggest Swissential to my friends.
Delivering high-value advice on a wide range of topics
He provides and drives you through a detailed and thorough analysis of your needs and proposed solutions to reach your goals. Further, he is always available to discuss any follow-up questions or doubts that you may have thereon.
Last but not least, once a solution is validated, he is very dedicated, diligent and efficient for its implementation to happen quickly and he follows-up post-implementation to make sure of your satisfaction.
I have been in Switzerland for more than 5 years and my only regret is that I have not met him before.
Read more “Delivering high-value advice on a wide range of topics”
Trust, competence and transparency
Great job of understanding my family’s situation and needs
Read more “Great job of understanding my family’s situation and needs”
Competent, intelligent and objective
Thanks for your really professional advisory! Competent, intelligent and objective. Talk to you soon!
Dedicated to provide a quality service
Quite brilliant in guiding and providing recommendations
Read more “Quite brilliant in guiding and providing recommendations”
great in helping me understand a number of key areas
Read more “great in helping me understand a number of key areas”
They know very well the CH-FR cross border rules
Read more “They know very well the CH-FR cross border rules”
I’d definitely recommend to have a call with someone at Swissential
Read more “I’d definitely recommend to have a call with someone at Swissential”
Good at explaining complicated topics
I really appreciate my advisor because of his professionalism and transparency. He is also really good at explaining complicated topics and best of all he is great at listening.
An honest and direct conversation with a financial advisor
I finally had an honest and direct conversation with a financial advisor. I recommend Swissential to anyone who wants to find out how financial savings work in Switzerland.
Professional and great consulting and helpful advice
Great to get connected with Swissential. Thanks for your very professional and great consulting and helpful advice.
Many thanks for explaining to me the complexities of the Swiss pension system
Read more “Many thanks for explaining to me the complexities of the Swiss pension system”
Highly professional financial advisor
The provided recommendations help in making the right decisions
Read more “The provided recommendations help in making the right decisions”
My consultation experience with Swissential was great
Read more “My consultation experience with Swissential was great”
Provided with me detailed information about the different options available to me
Read more “Provided with me detailed information about the different options available to me”
Grâce à l’aide de Swissential mon arrivée en Suisse s’est faite facilement
Grâce à l’aide de Swissential mon arrivée en Suisse s’est faite facilement et j’ai pu être rapidement en règle et optimiser mes choix financiers.
Focused session on “what’s best for me!”
Thx a lot Swissential.
Thanks to my advisor I can manage my saving in a safe and profitable manner
Swissential did a great work in providing finance advice and support. Thanks to my advisor I can manage my saving in a safe and profitable manner.
I can only recommend Swissential!
Focus on my needs, detailed explanation, tailored recommendation: I can only recommend Swissential!
Very clear, flexible and available
Very clear, flexible and available, I can only recommend Swissential to guide thru your pension problematics.
The best financial, pension and tax professional I found in Switzerland
I strongly recommend Swissential and will for sure continue to get their support in the future.
Read more “The best financial, pension and tax professional I found in Switzerland”
A great partner
Help you plan /invest depending on your goals
I wish I met him long time ago
Looking forward to the phase 2 of our journey
My advisor comes across as a very knowledgeable expert, having a great perspective on various financial tools and important elements to consider. He is also fun to work with and very approachable.
I would like to thank Swissential for their help and looking forward to the phase 2 of our journey.
Helpful to feel more in control of my personal planning
Read more “Helpful to feel more in control of my personal planning”
I thoroughly benefited from the session
I’ll recommend Swissential to anyone looking for an efficient and personalised service
I’ll recommend Swissential to anyone looking for an efficient and personalised service.
Read more “I’ll recommend Swissential to anyone looking for an efficient and personalised service”
Shares his knowledge with great clarity and enthusiasm
My Consultant has a complete understanding of the Swiss taxation, financial and pension system and shares his knowledge with great clarity and enthusiasm.
Sound financial advice and guidance
Do not hesitate to ask to connect with anyone from Swissential
Read more “Do not hesitate to ask to connect with anyone from Swissential”
They provided clear and valuable information
They took the time to really understand both me and my financial situation
Read more “They took the time to really understand both me and my financial situation”
Listening and communication skills made me comfortable
Read more “Listening and communication skills made me comfortable”
They helped me to understand financial opportunities
Swissential showed attention to details and is always available for any questions. They helped me to understand financial opportunities.
Thanks Swissential for your financial tips!
My advisor is truly professional, very talented and smart. Their approach is very polite and I’ve enjoyed our chats and meetings. Thanks Swissential for your financial tips!
Swissential gave me a very good understanding of the Swiss system
Read more “Swissential gave me a very good understanding of the Swiss system”
I’d be happy to recommend his services
Remarkable patience and insight
Swissential has shown remarkable patience and insight in guiding me through the maze of Swiss financial planning.
A real pleasure to work with Swissential
My advisor is very articulated. He listens to your needs and provide you detailed information.
A real pleasure to work with Swissential.
The approach is very helpful
Immediately helpful
Highly recommended 🙂
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
Available for Follow-up Discussions
Helpful & Valuable
Smooth & Useful
Professional & Precise
Discreet and Easy Going Attitude
Nobody Else I would Trust More
Patiently Guided Through Swiss Social Security System
Read more “Patiently Guided Through Swiss Social Security System”
Attentive to Details
I certainly plan to continue working with them in the future
Comprehensive Knowledge
High Level of Professionalism
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.
Highly Competent
I Have Trust
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
Save Money & Reduce Risks
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.
Very Strong Resource
I’m In Safe Hands
Open and Honest
Easy to Follow
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
Quick & Efficient
Swissential is highly professional and responds quickly and efficiently to all issues that arose. I highly recommend working with them.
Impressed
Personalized Advice
Thank you!
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
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
Professional
Very Friendly
Job Well Done
Appreciate the Treatment Received
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.
Fully Recommend
Unquestionably Recommend
I unquestionably recommend Swissential for any inquiries you might have on your financial or retirement plans.
Right Financial Plan
Analytical Thinking
Explain in Details
– 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.
Clarity of Expression
Spoke Our Language
Strongly Recommend
The company provided succinct and relevant feedback and I would strongly recommend them.
Make Your Life Easier
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.
UK and Swiss Pensions
For My Specific Needs
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!!!
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!
Professional Assistance
Valuable Information
Definitely Recommend
Very Supportive
You won’t find a better consultant
Comprehensive Information
Clear and Precise Communication
I would for sure encourage you to have a conversation with Swissential consultant if you feel that your financial position could benefit from optimization.
I suggest new-movers to Switzerland to get into touch with Swissential
Read more “I suggest new-movers to Switzerland to get into touch with Swissential”
Help to understand my own situation
Communication skills
Excellent financial advisor
Swissential is the answer
Ideal for setting up financials goals
Truly here to assist
He stands out thanks to his friendly personality and professional attitude. This guy is truly here to assist, not waste your time.
They have always been available to help
Now that I am planning my departure from Switzerland, their advice and expertise are very helpful for optimizing my financial assets.
Very competent consultant
He is my go to person
Clear Communication
I recommend 100% Swissential services as they have provided me valuable independent advice for my finance.
Prepared And Professional
A Great Professional
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
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
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
Very helpful
Optimized my taxes
A very accessible location
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
Professional and very friendly
Saved me time and money
Incredibly helpful
Stress free and super smooth
A Shining Light
Refreshingly honest and trustworthy, a shining light in financial advice.
Provides me the best solution
Sharp and to the point
I felt satisfied and happy
I definitely recommend
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.