In this episode of the Swiss Money Secrets podcast, we uncover one of Switzerland’s most fascinating and often misunderstood tax regimes for residency: Swiss Lump Sum Taxation. This unique system allows qualifying non-Swiss nationals to pay taxes based on their annual living expenses rather than their worldwide income or assets and obtain Swiss residency, creating opportunities for predictability, privacy, and full enjoyment of the nation of Switzerland.

We break down how the system works, who qualifies, and why it is attractive for retirees, global entrepreneurs, and internationally mobile families looking to immigrate to Switzerland. You’ll also discover how lump sum taxation is calculated, the key differences between Swiss cantons, and why careful planning with experienced advisors is essential to avoid unexpected pitfalls.

While WHVP does not provide relocation services or offer tax advice, understanding this tax framework is crucial for anyone considering Switzerland as a place to live. If you are considering international mobility and learning what your options might be, this episode sheds light on how Swiss Lump Sum Taxation could fit into your broader financial future.

00:00 Intro

00:30 Switzerland's US Tariff Challenges

03:27 Introduction To Cedric Miehle

05:36 Lump Sum Taxation In Switzerland

10:26 How It Works

21:20 What Is The Process Of Obtaining It

27:49 Guidelines for Lump Sum Taxation

34:59 Final Thought

35:59 Outro

Learn more about Cedric Miehle here: https://www.domenig.law/en/team/cedric-miehle

About WHVP: WHVP is an independent asset manager, specializing in managing the funds of private clients. We are registered with the SEC in the U.S. and are located in Zurich, Switzerland. We are associated with several first-class private banks in Switzerland, Liechtenstein, and Austria, which act as custodian banks for our clients' accounts. Our asset management principles are guided by conservative, long-term-oriented capital preservation strategies. Our focus is personalized service. We structure a portfolio that will be insulated against U.S. Dollar depreciation yet capitalize on overseas investment opportunities.

Contact WHVP:

Website: https://whvp.ch/

Email: [email protected]

Telephone: +41 44 315 77 77

Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

In this episode of The Swiss View, Jess Roberson and Urs Vrijhof-Droese unpack the latest signals on inflation coming from the private sector—and what they mean for investors worldwide. The conversation explores global currency trends, shifting investment markets, and the health of major economies, all against the backdrop of the U.S. imposing steep tariffs on Swiss imports.

From the resilience of Switzerland’s economy to the challenges facing small businesses in the U.S., Jess and Urs share their insights on how these developments may reshape global opportunities and why diversification remains key in navigating today’s uncertainty.

Contact WHVP

🌐 Website: https://whvp.ch/

📧 Email: [email protected]

📞 Telephone: +41 44 315 77 77

About WHVP

WHVP is more than just another asset manager. Based in Zurich and registered with the SEC in the U.S., we are an independent firm dedicated to managing the wealth of private clients. Partnering with leading private banks in Switzerland and Liechtenstein, we ensure transparency and security by using them as custodians for our clients’ accounts. Our asset management approach is rooted in conservative, long-term capital preservation, tailored to protect against U.S. dollar depreciation and seize global investment opportunities.

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Disclaimer: All posts and publications are for your information only. They are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the publication date and may be liable to change without notice.

In this insightful episode, we explore the foundations of cross-border financial planning, designed specifically for Americans. Whether you're considering living overseas, investing internationally, or planning to retire abroad, understanding how to navigate complex financial landscapes across borders is essential. We dive into what cross-border financial planning really means—managing income, assets, and obligations that span multiple countries—and why it's crucial for maintaining compliance, minimizing tax liabilities, and protecting your wealth.

We're joined by special guest John McNertney, founder and owner of Green Ocean Global Advisors, who brings deep expertise in helping Americans manage their finances across borders. John shares real-world insights on avoiding common pitfalls, understanding regulatory requirements, and building a solid, globally integrated financial strategy tailored to individual goals.

You'll learn who needs cross-border financial planning, from U.S. citizens living abroad, international entrepreneurs, and Americans married to foreign nationals. We also highlight common and costly mistakes such as failing to report foreign accounts under FBAR and FATCA, investing in non-compliant foreign funds like PFICs, and overlooking estate planning conflicts between legal systems.

For those investing offshore, we discuss how to achieve global diversification while staying aligned with U.S. regulations. If you're considering retiring outside the U.S., we cover key factors like local healthcare access, currency management, and how to handle U.S.-based retirement accounts from abroad. Finally, we walk through the first steps toward building a cross-border financial plan—setting clear goals, taking stock of international assets and obligations, and working with professionals who understand both U.S. and foreign financial systems.

00:00 Intro

00:30 Switzerland's Interest Rate Decision

03:27 Introduction To John McNertney & Green Ocean Global Advisors

06:36 Cross-Border Financial Planning vs. U.S. Financial Planning

08:26 What Is A Cross-Border Financial Plan

11:02 Mistakes To Avoid

18:37 Make Sure You Have The Right Partners

25:46 Opening An American Mind to International Investing

33:33 Initial Steps Of A Financial Plan To Retire Overseas

39:54 Final Thought

40:52 Outro

Webinar with John McNertney, Ryan Ahrens, and Jess Roberson: https://youtu.be/tHl9ZvvczHU?si=GmYFSVEb0tScxTGm

Learn more about Green Ocean Global Advisors: https://www.greenoceanglobal.net/

Find Green Ocean Global Advisors on YouTube: @greenoceanglobaladvisors

Connect with John McNertney on LinkedIn: https://www.linkedin.com/in/john-mcnertney-cfp%C2%AE-4b14a71/

About WHVP:

WHVP is an independent asset manager, specializing in managing the funds of private clients. We are registered with the SEC in the U.S. and are located in Zurich, Switzerland. We are associated with several first-class private banks in Switzerland, Liechtenstein, and Austria, which act as custodian banks for our clients' accounts. Our asset management principles are guided by conservative, long-term-oriented capital preservation strategies. Our focus is personalized service. We structure a portfolio that will be insulated against U.S. Dollar depreciation yet capitalize on overseas investment opportunities.

Contact WHVP:

Website: https://whvp.ch/

Email: [email protected]

Telephone: +41 44 315 77 77

Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

In this timely conversation, Jess Roberson sits down with Urs Vrijhof-Droese, Managing Partner at WHVP, to unpack the current global economic landscape. With the U.S. dollar losing ground against major currencies, inflation ticking up, and uncertainty driven by geopolitics and tariffs, what does it all mean for your wealth?Urs explains how Switzerland’s zero percent interest rate and the Swiss National Bank’s singular focus on price stability create a very different environment compared to the U.S., where the Federal Reserve must also manage unemployment. As Jerome Powell signals caution, the U.S. continues to face inflation pressure and economic unpredictability.We also explore why Switzerland is seeing moderate GDP growth with no inflation, how the long-term devaluation of the USD affects American investors, and why Swiss offshore banking can offer a secure, stable alternative in turbulent times.Contact WHVP🌐 Website: https://whvp.ch/📧 Email: [email protected]📞 Telephone: +41 44 315 77 77About WHVPWHVP is more than just another asset manager. Based in Zurich and registered with the SEC in the U.S., we are an independent firm dedicated to managing the wealth of private clients. Partnering with leading private banks in Switzerland and Liechtenstein, we ensure transparency and security by using them as custodians for our clients’ accounts. Our asset management approach is rooted in conservative, long-term capital preservation, tailored to protect against U.S. dollar depreciation and seize global investment opportunities.Disclaimer: All posts and publications are for your information only. They are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the publication date and may be liable to change without notice.

In this episode of Swiss Money Secrets, hosts Jamie Vrijhof-Droese and Jess Roberson are joined by Blake Harris, founder of Blake Harris Law and a leading expert in asset protection. Together, they explore the power and purpose of Cook Islands trusts—one of the most robust legal tools for protecting wealth internationally.Blake shares his deep knowledge of how these trusts work, who they're designed for, and why the Cook Islands have become a gold-standard jurisdiction in asset protection. The conversation covers common misconceptions, legal safeguards, and how these structures fit into broader wealth preservation strategies.Jamie, Jess, and Blake also discuss real-world use cases, the ethical considerations around offshore trusts, and how they compare to other options in the international landscape.Whether you're a high-net-worth individual, advisor, or simply curious about global asset protection, this episode offers essential insights into securing your financial future through smart international planning.00:00 Intro 00:43 Moody's credit rating of the USA04:40 Domestic vs. Offshore Trusts 09:20 Investing with your offshore trust 15:07 Blake's approach to clients 18:55 Tax considerations for an offshore trust 26:50 Busting offshore trust myths 23:38 Outro Learn more about Blake Harris Law: https://blakeharrislaw.com/ Find Blake Harris on Instagram, YouTube, and Twitter: @blakeharrislaw  About WHVP: WHVP is an independent asset manager, specialized in managing the funds of private clients. We are registered with the SEC in the U.S. and are located in Zurich, Switzerland. We are associated with several first-class private banks in Switzerland, Liechtenstein, and Austria, which act as custodian banks for our client's accounts. Our asset management principles are guided by conservative, long-term-oriented capital preservation strategies. Our focus is personalized service. We structure a portfolio that will be insulated against U.S. Dollar depreciation yet capitalize on overseas investment opportunities. Learn more about us at https://whvp.ch/ Contact WHVP: Website: https://whvp.ch/ Email: [email protected] Telephone: +41 44 315 77 77 Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

In this episode of Swiss Money Secrets, WHVP’s Jess Roberson, Jamie Vrijhof-Droese, and Urs Vrijhof-Droese come together for an in-house discussion on the key economic developments shaping the spring of 2025. With no guest joining this time, the trio shares their take on the shifting financial landscape and what it could mean for investors.

They explore Switzerland’s current 0% inflation rate and the growing conversation around a potential return to negative interest rates. The team also discusses the U.S. tariffs introduced in recent weeks, offering a Swiss and European perspective on how these measures are being viewed and what impact they are having on global markets and the U.S. dollar.

Throughout the conversation, Jess, Jamie, and Urs unpack how these developments tie into broader investment strategies and why international diversification remains so important in a volatile environment. This episode provides timely insight for anyone following global market trends and looking to better understand how Swiss stability fits into the bigger picture.

Contact WHVP:   

Website: https://whvp.ch/   

Email: [email protected]   

Telephone: +41 44 315 77 77   

Schedule a Meeting: https://whvp.ch/get-started 

About WHVP:

WHVP is not just another asset manager. We are an independent firm specializing in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland and Liechtenstein, which serve as custodian banks for our clients' accounts. Our asset management principles are rooted in conservative, long-term-oriented capital preservation strategies. We prioritize personalized service, crafting portfolios that are shielded against U.S. Dollar depreciation while leveraging overseas investment opportunities.

Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

In this episode of The Swiss View, Jess Roberson and Urs Vrijhof-Droese take a closer look at Switzerland's inflation and interest rate landscape, putting it in context with the broader economic developments in the U.S. and Europe. They discuss how consumer sentiment is shifting across these regions and explore the political changes influencing fiscal and monetary policy. From Swiss price stability to the Fed's next move, tune in for a comprehensive macroeconomic check-in.

Whether you're a seasoned economist, a curious observer, or simply someone interested in global finance, our journey through the intricacies of macroeconomics and global finance promises to be enlightening and thought-provoking. We warmly invite you to join us as we navigate the complexities of international finance together, fostering a community of learning and discussion.

Contact WHVP

🌐 Website: https://whvp.ch/

📧 Email: [email protected]

📞 Telephone: +41 44 315 77 77

About WHVP:

WHVP is more than just another asset manager. Based in Zurich and registered with the SEC in the U.S., we are an independent firm dedicated to managing the wealth of private clients. Partnering with leading private banks in Switzerland and Liechtenstein, we ensure transparency and security by using them as custodians for our clients' accounts. Our asset management approach is rooted in conservative, long-term capital preservation, tailored to protect against U.S. dollar depreciation and seize global investment opportunities.

Disclaimer: All posts and publications are for your information only. They are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the publication date and may be liable to change without notice.

In this episode of Swiss Money Secrets, we sit down with Julia Fernandez, one of WHVP’s long-standing team members, to explore her unique perspective on the evolution of the family business over the past decades. Julia shares her story of joining WHVP in its early days under the leadership of Robert Vrijhof, reflecting on what attracted her to the boutique wealth management company and how the firm’s culture stood out from the start.

Julia offers insight into how WHVP has grown and adapted through two generations of leadership, from Robert to the current husband-and-wife team, Jamie Vrijhof-Droese and Urs Vrijhof-Droese. She discusses the differences in leadership styles, how the financial industry’s regulatory landscape and technology have shifted over time, and how WHVP has navigated these changes while remaining committed to its core values.

Listeners will gain a deeper understanding of what makes a family-owned Swiss wealth management firm like WHVP unique—particularly how a strong, supportive company culture fosters long-term relationships with both employees and clients. Julia also shares the challenges she’s witnessed the firm overcome, and what excites her about the future of WHVP and the Swiss private banking industry.

00:00 Intro

00:37 Women's Soccer World Cup is coming to Switzerland

02:50 What brought Julia to WHVP

05:30 The work environment and how it developed

07:00 How much impact an employee can have on a family business

10:00 Fond memories

11:01 Overcoming hurdles

13:40 Moving roles to be a relationship manager

19:50 Managing clients in a big institution vs. a family business

24:55 What's it like for an employee to go through a succession to the younger generation?

27:30 The biggest challenges WHVP has overcome

30:34 The future of WHVP

36:16 Advice for when your company passes on to the next generation

Contact WHVP:   

Website: https://whvp.ch/   

Email: [email protected]   

Telephone: +41 44 315 77 77   

Schedule a Meeting: https://whvp.ch/get-started 

About WHVP:

WHVP is not just another asset manager. We are an independent firm specializing in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland and Liechtenstein, which serve as custodian banks for our clients' accounts. Our asset management principles are rooted in conservative, long-term-oriented capital preservation strategies. We prioritize personalized service, crafting portfolios that are shielded against U.S. Dollar depreciation while leveraging overseas investment opportunities.

Disclaimer:

All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

In this special episode of Swiss Money Secrets, we explore the legacy and evolution of WHVP, a family-owned Swiss wealth management firm dedicated to helping Americans protect and preserve their wealth offshore. Join us for an in-depth conversation between WHVP’s founder, Robert Vrijhof, and second-generation Managing Partner, Jamie Vrijhof-Droese, as they share the story behind the firm’s success and values.

Robert reflects on what motivated him to start WHVP over 30 years ago, the challenges he faced building a boutique firm from the ground up, and the key moments that shaped its reputation. Jamie offers insights into stepping into leadership, the responsibilities and emotions involved in taking over a family business, and how she has modernized the firm while maintaining its core values of trust, transparency, and personalized service.

Together, they discuss the unique opportunities and challenges of family business succession, balancing tradition with innovation, and advice for other family businesses planning generational transitions. They also share their vision for the future of WHVP and the evolving landscape of Swiss banking, highlighting the importance of long-term wealth preservation and international diversification.

Whether you’re interested in offshore banking, family business leadership, or safeguarding your financial future, this conversation offers valuable insights and inspiration.

00:00 Intro

00:32 Gold's Record New High

02:42 The Origin Story Of WHVP

07:46 Challenges Faced Over Time

09:50 Key Moments In The Early Days

11:15 Challenges And Key Moments In The Second Generation

15:38 An Import Idea For Americans

17:40 How Family Values Have Influenced WHVP

19:40 Passing The Torch: Challenges & Triumphs

25:02 How Our Founder Sees The Current Team

25:40 The Power Of Trust In The Client Relationship

30:11 Who Does WHVP Help?

30:48 What The Employees Think Of The Company

33:44 The Evolution Of Wealth Management Where Its Going

46:00 Tips For Family Business Owners Thinking About The Next Generation

Contact WHVP:

Website: https://whvp.ch/

Email: [email protected][email protected]

Telephone: +41 44 315 77 77

Schedule a Meeting: https://whvp.ch/get-started

About WHVP: WHVP is not just another asset manager. We are an independent firm specializing in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland and Liechtenstein, which serve as custodian banks for our clients' accounts. Our asset management principles are rooted in conservative, long-term-oriented capital preservation strategies. We prioritize personalized service, crafting portfolios that are shielded against U.S. Dollar depreciation while leveraging overseas investment opportunities.

Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

Join Urs Vrijhof-Droese and Jess Roberson as they dive into the changing landscape of the European political and economic environment to help provide the Swiss perspective on how things are moving. The U.S. markets have been failing to repeat their performance over the last two years, while the European markets are off to a very hot start for 2025. Germany is on track to loosen their debt break, and China is looking to stimulate its economy in a way that would ignite its general population to encourage the domestic economy.

Whether you're a seasoned economist, a curious observer, or simply someone interested in global finance, our journey through the intricacies of macroeconomics and global finance promises to be enlightening and thought-provoking. We warmly invite you to join us as we navigate the complexities of international finance together, fostering a community of learning and discussion.

Contact WHVP

Website: ⁠⁠https://whvp.ch/⁠⁠

Email: ⁠⁠[email protected]⁠⁠

Telephone: +41 44 315 77 77

About WHVP

WHVP is not just another asset manager. We are an independent firm that specializes in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland, Liechtenstein, and Austria. These banks act as custodians for our client's accounts, ensuring security and transparency. Our asset management principles are guided by conservative, long-term-oriented capital preservation strategies. We focus on personalized service, structuring portfolios that are insulated against US dollar depreciation yet capitalize on overseas investment opportunities.

Disclaimer: All posts and publications are for your information only. They are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the publication date and may be liable to change without notice.