Living and working in Switzerland offers incredible opportunities, but managing your finances across different countries can quickly become complex. Our Cashflow Planning service brings everything together; your income, savings, pensions, and investments, into one clear financial picture.
With a personalised cashflow forecast, you’ll see how your finances evolve over time, test ‘what if’ scenarios, and make confident, informed decisions about your future.
With cashflow planning, you can:
See your complete financial position clearly, in one place
Test different retirement ages, relocation options, or lifestyle choices
Understand how changes in income, savings, or markets affect your future
Plan major financial decisions with confidence and control
Our Cashflow Planning for Expats in Switzerland is designed for English-speaking professionals and families who want clarity and control over their financial future. It’s especially valuable if you:
Earn or invest in multiple countries
Have international pension schemes or investments
Are considering retiring in Switzerland or abroad
Want to make the most of your wealth while enjoying life today
We understand the unique challenges that come with expat life and our independent, fee-based service gives you objective advice you can trust.
We start with a video call to review your application form and expenditure, discuss your goals and lifestyle aspirations, and understand your vision for the future.
We share your personalised cashflow model via screen share, showing your current financial picture and explore possible 'what if' scenarios.
We analyse your chosen scenarios in detail and create your Plan A, with backup Plans B & C for flexibility. We also align your investment and pension strategy with your goals.
We refine your plan, answer any questions, and send your personalised financial plan document, a complete record of everything discussed.
“I used to guess if I could retire early. Now I know. The process made it crystal clear.”
Our clients tell us the same thing: cashflow planning replaces uncertainty with clarity.
It helps you:
With us, you don’t just get numbers, you get a roadmap to the life you want.
How long does the process take?
We recommend an eight-week timeline, long enough to plan effectively without losing momentum.
What if my situation changes later?
Your cashflow plan can be updated to reflect new circumstances, goals, or investments. Life is never a straight road and because life changes, your plan can change with it.
What is the introductory meeting?
The initial free consultation is an opportunity to understand your situation and explain if/how cashflow planning can help.
How are you paid?
We’re a fee-based firm, so you pay us directly for our planning and advice. This transparent approach ensures our advice and recommendations are unbiased and focused on what’s best for you, not on selling financial products.
Take the first step towards clarity, confidence, and control.
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David Rosbotham is published on the ARIF (Association Romande des Intermediaries Financiers) public register for regulated Financial Planners in Switzerland – number 17147 and further information is available upon request.
The information on this website is for informational purposes only and does not constitute asset management or discretionary portfolio management. David is registered as a client advisor in accordance with the Swiss Financial Services Act (FinSA) and affiliated with an official ombudsman. Investment recommendations are made on a non-discretionary basis only.
