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.

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Welcome Eva Howland!
Welcome Eva Howland!

We are delighted to welcome Eva Howland to our team. Eva joins us as a Senior Financial Planner, bringing nearly a decade of experience helping clients build, grow and maintain their wealth. Eva lives in Bradenton Florida with her husband, son and stepson.

Otto Rivera is one of the New CFP Board Ambassadors
Otto Rivera is one of the New CFP Board Ambassadors

Join us in congratulating White Lighthouse’s Otto Rivera in becoming one of the new CFP Board Ambassadors!

Click here to view the bios of the new ambassadors.

Read the CFP Board’s LinkedIn post announcing the new ambassadors.

Otto Rivera featured in Financial Planning's article, "Financial advisors find strength, support in professional study groups"
Otto Rivera featured in Financial Planning's article, "Financial advisors find strength, support in professional study groups"

Our own Otto Rivera has been quoted in Financial Planning’s latest article, Financial advisors find strength, support in professional study groups. Click here to read the article.

Register for the Smart Money Habits for People with ADHD Webinar with our own Otto Rivera!
Register for the Smart Money Habits for People with ADHD Webinar with our own Otto Rivera!

White Lighthouse's Otto Rivera is hosting this webinar on Tuesday, September 24 at 1pm US Eastern.

Description of the webinar: "In this webinar, you’ll learn how to harness the strategies and habits that have helped many of my neurodivergent clients live their best financial lives. You will understand how to set your intention and overcome common ADHD-related money struggles to score small wins and even save for longer-term goals. We also will address several readers’ most pressing financial struggles so that everyone listening can benefit from sound practical advice."

To learn more and to register click here.

Jonathan Lachowitz quoted in ACA's press release in response to the National Taxpayer Advocate and TIGTA's recent reports to Congress
Jonathan Lachowitz quoted in ACA's press release in response to the National Taxpayer Advocate and TIGTA's recent reports to Congress

Today, July 17th, ACA released a press release in response to the National Taxpayer Advocate and TIGTA on their recent reports to Congress.

“All the work that the NTA is doing is essential for the 4 to 6 million Americans living overseas, however the real solution to these problems is to adopt Residence-based taxation (RBT). ACA is meeting with key legislators on Capitol Hill to encourage them to hold hearings and include us in their listening tours. Congress is out gathering information on how the U.S. tax code, and in particular, TCJA is affecting taxpayers. U.S. citizens overseas must be included in Congressional efforts to learn how the US tax code truly impacts this important and under-represented community,” said Jonathan Lachowitz.

Read the entire press release by clicking here.

L'Agelfi spoke to Jonathan Lachowitz about Switzerland achieving reciprocity in the exchange of tax data with the US
L'Agelfi spoke to Jonathan Lachowitz about Switzerland achieving reciprocity in the exchange of tax data with the US

Read the unofficial translation of L'Agelfi's article, FATCA: "The Swiss with accounts in the United States" are the most concerned, where WLIM's Jonathan Lachowitz shares some "food for thought".
Click here to read the article.

ACA Congratulates Congresswoman Titus on Introducing Legislation Supporting Americans Living Abroad
ACA Congratulates Congresswoman Titus on Introducing Legislation Supporting Americans Living Abroad

“What is needed now is a hearing specifically addressing this constituency. At hearings, all the relevant information about this subject, including history of the provisions, size and make up of the population of Americans abroad, and its income and asset profile, and the like, can be put on the table authoritatively by Congressional and Department of Treasury staffs. The House Ways & Means Committee has the opportunity now, with the expiration of the TCJA tax provisions, to do what it should have done prior to passage of TCJA, hear directly from the community and the organizations representing them,” said Jonathan Lachowitz, ACA Chairman.

Click here to read American Citizens Abroad's press release for more information about this legislation.

Click here to review ACA's write-in campaigns, which allow you to send messages to your Representatives in Congress.

Jonathan Lachowitz Quoted in the Press
Jonathan Lachowitz Quoted in the Press

“ACA and the community of US citizens overseas has an opportunity to make their voices heard as Congress begins to investigate tax policy and the expiring provisions. Congress also has an obligation to listen to and evaluate how current tax policy is affecting the 4 to 6 million Americans living and working overseas,” said Jonathan Lachowitz, ACA Chairman.

Read the complete article, "American Citizens Abroad Submits Testimony to Important Hearings on Capitol Hill".

Let your Representatives know that Americans living overseas need to be considered in their review of TCJA provisions.


Check out ACA's write-in campaigns, which allow you to send messages to your Representatives in Congress.

If you don't see your issue listed, you can send a message to your Representative about the issue by clicking here.

Read Eilidh Norman's latest article, "Should I be filing a DA-1 to save on taxes in Switzerland?"
Read Eilidh Norman's latest article, "Should I be filing a DA-1 to save on taxes in Switzerland?"

Read Eilidh Norman's latest article, "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".

Eilidh takes a deep dive into withholding taxes, DA-1 forms, Swiss withholding tax,filing W8-Bens, and more! Read her article by clicking here.

Welcome Eilidh Norman!
Welcome Eilidh Norman!

White Lighthouse is delighted to welcome Eilidh Norman to our team. Elidih joins us as a Client Relationship Manager and Financial Planner, bringing over 30 years of varied professional experience to the team.

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