Matthew Turnbull - Swiss-based Independent Financial Advisor

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Geneva
Matthew Turnbull - Swiss-based Independent Financial Advisor

Kontaktinformationen, Karte und Wegbeschreibungen, Kontaktformulare, Öffnungszeiten, Dienstleistungen, Bewertungen, Fotos, Videos und Ankündigungen von Matthew Turnbull - Swiss-based Independent Financial Advisor, FinanzberaterIn, International Center Cointrin, Block 1, 20, Route de Pré-Bois, Geneva.

26/08/2025

🚨 Get Paid to Move to Switzerland? Unlock the Financial Perks (and Avoid Pitfalls) of Expat Life! 🚨

You could start your Swiss adventure with up to 20,000 CHF per adult and 10,000 CHF per child. Villages like Albinen are offering cash incentives to attract expats under 45 who buy a home worth over 200,000 CHF, commit to a decade, and pursue citizenship. It’s a golden ticket to one of the world’s wealthiest nations. But with great opportunity, comes complex financial planning.

🌍 Wealth Migration Surge

A record 128,000 millionaires are relocating globally this year, with Switzerland near the top of the list for its lump-sum taxation regime (forfait fiscal). Pay a fixed amount regardless of global wealth for predictability and privacy. High-net-worth expats are flocking to cantons like Zug and Geneva for low taxes, despite a cost of living 30-50% higher than many home countries.

💰 Mastering the Swiss Pension System

Switzerland’s three-pillar system is a cornerstone. With 2025 pension reform talks hinting at higher contributions due to an aging population, expats need to plan, especially if leaving Switzerland, where Pillar 2 funds can be structured for tax efficiency and flexibility on extraction.

📈 Currency

The Swiss Franc, up 3-5% against major currencies in 2025, demands hedging. Use multi-currency options to diversify, offshore accounts can offer tax-efficient growth, perfect for those with interests across countries.

⚖️ Tax and Regulatory Navigation

2025’s tightened OECD tax transparency rules and country-specific residency changes (e.g., Australia’s stricter rules, UK’s non-dom abolition) make cross-border tax planning critical. Double taxation agreements can minimise liabilities, but only with expert advice.

Living in Switzerland in 2025? Don’t let tax traps or currency risks derail your wealth.

14/07/2025

I had the privilege of attending the Global Summit 2025, last week in Geneva, organised by the International Telecommunication Union.

This incredible event brought together global leaders, innovators, and changemakers to explore how AI can address pressing challenges like healthcare, climate change, and inclusive development. There were thought-provoking keynotes to hands-on demos showcasing AI and robotics. The Summit was a reminder of technology’s potential to drive progress toward the UN Sustainable Development Goals.

It was particularly inspiring to see the audience range, from global entrepreneurs, to tech labs ran by children half my age!

02/07/2025

🌍Over the past 15 years, 𝗨𝗦 𝗲𝗾𝘂𝗶𝘁𝗶𝗲𝘀 𝗵𝗮𝘃𝗲 𝗿𝗲𝗶𝗴𝗻𝗲𝗱 𝘀𝘂𝗽𝗿𝗲𝗺𝗲 𝗶𝗻 𝗴𝗹𝗼𝗯𝗮𝗹 𝗺𝗮𝗿𝗸𝗲𝘁𝘀. But rewind to the early 2000s, and the story was strikingly different.

Between January 2000 and October 2007, emerging markets, fuelled by globalization, the rise of China and India, and a commodity super cycle delivered over 150% returns (in GBP terms). Meanwhile, US equities actually lost value over the same period. A stark reminder that market leadership isn’t permanent.

Post-Global Financial Crisis, emerging markets faced volatility and trailed not only the US but also other developed markets like the UK and Europe.
Markets evolve, and so must our strategies. The drivers of the last decade: low interest rates, tame inflation, and quantitative easing are unlikely to define the future. Investors who adapt to these shifts, rather than chasing yesterday’s winners, will be best positioned for success.

If you are uncertain of where to start, or simply would like a review of your current strategy, drop me a message!

28/04/2025

Chasing stunning views and client meetings today! The train from Geneva to Zurich was a visual treat, as always. Spent the day visiting clients in Zurich and canton Schwyz. Now relaxing back in Lausanne.

With market uncertainty and tax changes impacting many countries, I’m here to help navigate the financial landscape.

Fancy a chat or coffee to discuss your options? DM me!

08/04/2025

𝗜𝗻 𝗿𝗲𝗰𝗲𝗻𝘁 𝘄𝗲𝗲𝗸𝘀, 𝗨𝗞 𝗜𝗦𝗔𝘀 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘁𝗵𝗿𝘂𝘀𝘁 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝘀𝗽𝗼𝘁𝗹𝗶𝗴𝗵𝘁, and the Chancellor used the Spring Statement to signal the government’s intention to reform this popular investment vehicle.

While ISAs aren’t an option for British expats to consider, this is a timely reminder that relying on UK tax breaks is not a sustainable investment strategy. It’s time to think bigger.

In the below article, I break down what smarter investing looks like outside of the UK, covering local tax wrappers, offshore bonds, and international platforms designed for expats.

I explain how you can use your expat status to:
● Keep more of what you earn
● Reduce your tax liability
● Invest globally, not just locally

UK tax breaks won’t wait for you. Your strategy shouldn’t wait for them.

https://lnkd.in/eM3-8xqw

31/03/2025

It was a pleasure flying into London for the day for invaluable technology training led by our Chief Technology Officer, Husain Rangwalla.

Our training with Skybound's Plume Wealth Tech focused on hands-on learning. Designed to activate rather than just educate, it provided practical experience with key tools in the Plume Wealth Tech Suite. Using guided case study booklets, we tackled real-world advisory scenarios to reinforce tool application in a high-impact way.

Team Europe benefited from:

● Sharpened skills with client engagement tools
● Boosted decision-making through mastery of data and digital workflows
● Fostered proactive improvement with live feedback and issue resolution
● A focus on the sales process, spotlighting client-facing tools to enhance both the quantity and quality of advisor-client interactions—whether with prospects or existing relationships

Our Plume Wealth Tech Suite sets us apart, empowering our team to drive better outcomes for clients!

Skybound Wealth Management

29/03/2025

🚀 New to Facebook, but not the industry! 🚀

I’m Matthew Turnbull, an independent financial advisor based in Geneva, helping British & Australian nationals working or living in Switzerland with making smart financial decisions.

Whether it’s tax-efficient investing, retirement planning, or navigating cross-border finances, I provide expert, unbiased advice tailored to expats.

I’ve been active on LinkedIn, but with Facebook globally, I’m here to share insights, answer questions & connect with more professionals.

👋 Say hi, drop your questions, or follow along for financial tips!

27/03/2025

𝐒𝐩𝐫𝐢𝐧𝐠 𝐒𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭 2025: 𝐖𝐡𝐚𝐭 𝐈𝐭 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐔𝐊 𝐄𝐱𝐩𝐚𝐭𝐬 𝐋𝐢𝐯𝐢𝐧𝐠 𝐀𝐛𝐫𝐨𝐚𝐝
Chancellor Rachel Reeves delivered the Spring Statement 2025 today, tackling a complex economic landscape with pragmatism. Growth forecasts for 2025 are now at 1%, and there’s a clear focus on balancing the books - £6bn in spending cuts by 2030 and £4.8bn in welfare savings, offset by a £2.2bn boost to defence. But what does this mean for UK expats? Let’s break it down.

𝐓𝐚𝐱 𝐒𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: 𝐀 𝐐𝐮𝐢𝐞𝐭 𝐖𝐢𝐧
For Brits abroad, the headline is reassuring: no new tax hikes. Income tax thresholds and the non-dom rules from October’s Budget remain untouched. This steady fiscal footing gives expats breathing room to plan without sudden surprises - whether you’re managing remittances or maintaining ties to the UK.

𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐌𝐚𝐫𝐤𝐞𝐭 𝐁𝐮𝐳𝐳: 1.5 𝐌𝐢𝐥𝐥𝐢𝐨𝐧 𝐇𝐨𝐦𝐞𝐬
One standout opportunity? The Chancellor’s push to build 1.5 million homes through planning reforms. This could supercharge the UK property market - a golden chance for expats considering investments, a foothold back home, or even a future return. Property remains a tangible link to the UK, and this ambition signals growth potential.

𝐎𝐟𝐟𝐬𝐡𝐨𝐫𝐞 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬: 𝐎𝐩𝐭𝐢𝐦𝐢𝐬𝐢𝐧𝐠 𝐖𝐞𝐚𝐥𝐭𝐡
With tax rules holding firm, offshore accounts and tax mitigation strategies shine as smart options. Expats can leverage this stability to protect and grow wealth - whether through trusts, pensions, or offshore investment bonds. It’s a moment to think creatively about long-term financial security.

𝐘𝐨𝐮𝐫 𝐌𝐨𝐯𝐞?
Reeves’ statement balances caution with opportunity. For expats, it’s less about upheaval and more about capitalising on a predictable landscape. How are you making the most of this - property plays, tax planning, or something else? Keen to hear your thoughts!

03/03/2025

𝗧𝗿𝘂𝗺𝗽’𝘀 𝗖𝗿𝘆𝗽𝘁𝗼 𝗣𝗹𝗮𝘆: 𝗧𝗵𝗲 𝗚𝗿𝗲𝗲𝗻 𝗟𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝗮𝗻 𝗔𝗹𝘁𝗰𝗼𝗶𝗻 𝗕𝘂𝗹𝗹 𝗥𝘂𝗻?

Yesterday, Trump shocked the financial world by announcing plans for a U.S. Crypto Strategic Reserve, incorporating 𝗕𝗶𝘁𝗰𝗼𝗶𝗻, 𝗘𝘁𝗵𝗲𝗿𝗲𝘂𝗺, 𝗫𝗥𝗣, 𝗦𝗼𝗹𝗮𝗻𝗮, 𝗮𝗻𝗱 𝗖𝗮𝗿𝗱𝗮𝗻𝗼 into the nation’s financial framework. This historic move signals that crypto is no longer just an asset class—it’s becoming a strategic reserve.

💰 The Market Reacted Instantly: Bitcoin recuperated some losses, back to $94K, Ethereum followed, and altcoins spiked higher. Many are now predicting an altcoin bull run as institutions scramble to get exposure.

𝗕𝘂𝘁 𝘄𝗶𝗹𝗹 𝗶𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗵𝗮𝗽𝗽𝗲𝗻?
While this move is undeniably bullish, several factors could influence the outcome:

🔹 Regulatory Uncertainty – Will a future administration reverse course?
🔹 Liquidity & Rate Environment – Can risk assets sustain momentum if interest rates stay high?
🔹 Market Cycles – Is this just an overreaction, or is the real rally yet to come?

If this leads to regulatory clarity and institutional adoption, altcoins could skyrocket. But if policymakers hesitate or macro conditions shift, we could see short-term volatility before any sustained move.

So the real question is: Are we at the start of a historic rally, or is this just another news-driven spike?

One thing is clear: The crypto market is getting more exposure than ever.

If you are considering your options for a diversified and risk-adjusted strategy towards investing, whilst keeping your assets as tax efficient as possible, 𝗱𝗿𝗼𝗽 𝗺𝗲 𝗮 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝗳𝗼𝗿 𝗮 𝗾𝘂𝗶𝗰𝗸 𝗰𝗵𝗮𝘁.

28/02/2025

𝗡𝗼𝘄 𝗗𝘂𝗮𝗹 𝗦𝘄𝗶𝘀𝘀-𝗘𝗨 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗲𝗱

After a short but sweet trip to Nicosia in Cyprus, I’m pleased to share that I have successfully obtained the CySEC Advanced Certification, further strengthening my regulatory expertise in European financial services.

As a Swiss and now EU-regulated financial planner, this certification enhances my ability to provide advice services across jurisdictions while ensuring full compliance with MiFID II, AMLD, and other key EU regulations.

The qualification covers:
✅ Investment services & financial instruments
✅ Market abuse prevention & AML compliance
✅ Corporate governance & risk management
✅ EU and Cypriot financial regulations

Staying ahead in financial services means continuously adapting to regulatory frameworks to best serve clients in an evolving landscape. This step reinforces my commitment to transparent, compliant, and cross-border financial planning.

Looking forward to leveraging this knowledge to support clients across Switzerland and the EU!

14/02/2025

The Slopes Taught Me This About Financial Planning

There’s something special about stepping away from the day-to-day and immersing yourself in the mountains. The crisp air, the exhilaration of a steep descent, the satisfaction of a tricky run, it’s a reminder of how rewarding challenges can be.

Skiing, like life, isn’t always smooth. Conditions change, visibility can drop, and sometimes, you take a tumble. But with the right preparation, a clear strategy, and the confidence to keep moving forward, you get better with every run.

As I return from a break in the French Alps, I’m reminded that financial planning is much similar. Every client I work with is navigating their own terrain. Some are climbing the steep slopes of wealth building, others are navigating a line towards retirement, and some are simply trying to regain control after an unexpected setback.

My role? To be the guide, helping them assess the conditions, make smart decisions, and most importantly, keep moving forward. Because just like skiing, financial success isn’t about never falling; it’s about having the resilience, preparation, and support to keep going.

Feeling grateful for the time away and excited to get back to helping clients tackle their own mountains.

05/02/2025

Is Stock Picking Making a Comeback in 2025?

For much of the past decade, passive investing has dominated due to easy monetary policy and a rising tide lifting all boats. However, as we step into 2025, shifting market conditions create a prime opportunity for stock pickers to outperform.

The End of Easy Money
Tighter monetary policy is a major headwind for passive investing. Central banks have raised interest rates to combat inflation, reducing liquidity and making broad index gains harder to achieve. This environment rewards investors who can identify fundamentally strong businesses over those previously buoyed by easy credit.

Market Volatility: A Stock Picker’s Playground
Geopolitical tensions and unpredictable policymaking to changing consumer behaviour adding uncertainty to markets, can create mispriced assets. Active investors can capitalize on these inefficiencies.

Unlike the broad-based bull market of the 2010s, 2025 is shaping up to be a year of sector dispersion. AI, clean energy, and biotech are poised for rapid growth, while traditional retail and certain commodities face challenges.

The Return of Valuation Discipline
With elevated interest rates, investors are refocusing on earnings quality, balance sheet strength, and cash flow generation. Stock pickers who employ rigorous valuation models and fundamental analysis are in a strong position to outperform indices that still hold overvalued or declining businesses.

At Skybound Wealth Management, we are not bound to certain investment providers and can choose from the entire fund universe. Being independent allows us to find the best asset or fund in each investment class and style, ensuring that we tailor our strategies to deliver optimal performance for our clients.

The Bottom Line
As 2025 unfolds, the indiscriminate gains of passive investing are fading, and active selection is becoming critical. Investors working with active managers, whose full time role is to analyse trends, fundamentals, and long-term winners, could thrive. The value of active management has never been clearer.

Adresse

International Center Cointrin, Block 1, 20, Route De Pré-Bois
Geneva
1215

Telefon

+41763746011

Webseite

https://www.skyboundwealth.com/e-guides/matthew-turnbull

Benachrichtigungen

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