By using our website you have entered into a binding agreement to accept our terms of use. Please read these terms carefully. They affect your legal rights and limit our liability. If you do not agree to be bound by every one of these terms, please exit our site immediately.

MODIFICATIONS

We may modify these Terms at any time without notice to you. The latest Terms will be posted on our Website. By using the website after we have posted modifications, you agree to be bound by the modifications. If you do not accept the Terms as modified, do not continue to use the Website.

LIMITED LICENSE

We grant you a limited, non-exclusive, non-transferable, revocable license, without any right to sublicense, to use our Website strictly in accordance with the Terms. You may use the Website solely for personal, non-commercial purposes, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. Commercial use of any content on the Website is absolutely forbidden. You may not print out or use an electronic version of any part of our Website. You agree not to copy materials, content or any other information on the Website, reverse engineer or break into (hack) the Website, or use materials, products or services in violation of any state or federal law.

LAWFUL USE

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website. In addition, you agree not to manipulate or otherwise display the Website by using framing or similar navigational technology. You agree not to access the Website by any means other than through the standard industry-accepted interfaces. You will not use the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website in any manner which could damage, disable, interrupt, over burden, or impair the Website or WLIM’s network or servers, or interfere with any other party’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other accounts, computer systems or networks connected to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. In addition, you shall not register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Website if you are not expressly authorized by such party to do so.

OUR RELATIONSHIP TO YOU

You and we are independent contractors. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us.

OUR INTELLECTUAL PROPERTY

All content on the Website, including but not limited to designs, data and databases, text, graphics, images, photographs, illustrations, audio and video material, artwork, proprietary information, client-side code (e.g. HTML, JavaScript, etc.), server-side code (e.g. active server pages, VBScript, databases, etc.), information and statistics concerning the use of the Website, and all copyrightable elements of the Website, and their selection and arrangement (collectively, “Content”) are the property of WLIM. Our Content is protected by U.S. copyright law, international treaties and other intellectual property rights. Except as otherwise stated herein, Content may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. §107), as amended, and then, only with notices of our proprietary rights. You may, however, download the information in the Website and print out hard copies for your own personal, noncommercial use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

INTENDED AUDIENCE

This Website is intended for adults aged 18 years or older. Any registration by, use of or access to our Website by anyone under age 18, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website you represent and warrant that you are 18 or older and that you agree to and to abide by all of the terms and conditions of this Agreement.

[WLIM has sole right and discretion to determine whether to accept a Client, and may reject a Client with or without explanation.

If you become a Client, you will receive a password that will allow you to access to a secure section of our Website. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.

You agree to immediately notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.]

FINANCIAL, LEGAL AND OTHER ADVICE DISCLAIMER

Your use of the Website creates no professional relationship of any kind between you and WLIM. Nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice to or for you. You hereby agree that you shall not make any financial, investment, legal and/or other decision based in whole or in part on anything contained in our Website.

USE OF INFORMATION

We reserve the right, and you authorize us, to use and assign of all of your information regarding your use of our Website in any manner consistent with our Privacy Policy.

All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, “Submission”) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

We may assign these Terms and our rights hereunder, in whole or in part, to a third party, in our sole discretion, in connection with a merger, acquisition, reorganization or sale of substantially all of our assets, or otherwise. You may not assign, sublicense, or delegate any of your rights hereunder.

PRIVACY POLICY

Our Privacy Policy is considered part of this Agreement. You should review this Privacy Policy by clicking on this link.

Articles + Press
 
 

At White Lighthouse we believe strongly in helping clients make good decisions and through the articles we write we generally take financial concepts that may be complicated and break them down into useful pieces of information that can support effective decision making. The articles are free to the general public and many have been published in the press. We like to write on topics that are not always widely covered and more specifically on cross border financial, tax and legal issues. We also publish a quarterly newsletter; though this is only for clients of White Lighthouse Investment Management. We hope you like our articles and feel free to pass them along to anyone who you think may find them interesting and useful. If you have an idea for an article, please feel free to contact us.

Recent Articles
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Should I be filing a DA-1 to save on taxes in Switzerland? A practical article explaining the DA-1 and how you can avoid double taxation on foreign (to Switzerland) taxes withheld.
Should I be filing a DA-1 to save on taxes in Switzerland? A practical article explaining the DA-1 and how you can avoid double taxation on foreign (to Switzerland) taxes withheld.

What is a DA-1 and should I be using it?

This is not an uncommon tax query in Switzerland. The quick answer is:

  • It’s a form that can be filed with the Swiss tax return to claim back foreign (i.e. non-Swiss) withholding tax (WHT) on foreign dividend and interest income.

  • It is filed by Swiss tax resident individuals who have incurred withholding tax on their foreign (non-Swiss)) dividend or interest income.

As one might anticipate however, the full answer is a little more involved. If you are a Swiss tax resident with investment accounts anywhere in the world, this article will be relevant to you.

June 2024

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How & When to Pay Any 2021 Tax Due with Your US Tax Return
How & When to Pay Any 2021 Tax Due with Your US Tax Return

We are a week away from April 18, 2022, the US tax payment deadline. If you are a US taxpayer outside of the United States on April 18, 2022, you will receive an automatic tax-filing deadline through June 15, 2022. Important! This is an extension file, NOT an extension of time to pay.

March 2022

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Finding Last-Minute Tax Savings on Your 2021 US Tax Return
Finding Last-Minute Tax Savings on Your 2021 US Tax Return

It is already the end of March, which means you have likely received all your tax documents and maybe even started the preparation of your 2021 US tax return. If you are worried about an unexpected tax bill, there are a few last-minute strategies you may be able to take advantage of.

March 2022

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2022 Tax Law Updates for Americans Abroad
2022 Tax Law Updates for Americans Abroad

Each year the IRS provides updated information related to the new tax year. Use this guide as a quick reference to the most common dates and tax provisions for American Expats.

February 2022

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Pillar 3: The Swiss Pension System Explained for American Expats
Pillar 3: The Swiss Pension System Explained for American Expats

“This article is part three of a three-part series. Each article will dive into one part of the Swiss pension system”

January 2022

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Pillar 2: The Swiss Pension System Explained for American Expats
Pillar 2: The Swiss Pension System Explained for American Expats

“This article is part two of a three-part series. Each article will dive into one part of the Swiss pension system”

January 2022

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Pillar 1: The Swiss Pension System Explained for American Expats
Pillar 1: The Swiss Pension System Explained for American Expats

“This article is part one of a three-part series. Each article will dive into one part of the Swiss pension system”

January 2022

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As An American Abroad Does a Roth Conversion or Roth IRA Still Make Sense?
As An American Abroad Does a Roth Conversion or Roth IRA Still Make Sense?

“A Roth conversion is one of the most classic and effective tax planning tools available to U.S. taxpayers. If your taxes rise a Roth IRA conversion or contributions can save you a considerable amount of money in taxes over the long term. However, there can be major drawbacks to this strategy for U.S. citizens who are currently living abroad or planning to retire abroad.”

February 2021

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2020 IRS 4th Quarter Estimated Tax Payments Are Due on January 15th. As An Overseas American, Should You Be Making One?
2020 IRS 4th Quarter Estimated Tax Payments Are Due on January 15th. As An Overseas American, Should You Be Making One?

“US citizens who live and work abroad are subject to an annual US tax filing requirement on their worldwide income. This may mean a tax liability in your resident country as well as in the US. Many Americans are surprised to learn they have this additional US tax liability. Making an estimated tax payment will help you avoid additional underpayment penalties. The IRS expects to receive its tax throughout the year, through estimated tax payments. If you do not pay enough tax through the year, you may be charged an additional underpayment penalty, even if you are due a refund when you file your tax return.”

January 2021

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