Empower Your Future
Take Control of Your Finances Today!
Keren-Jo Thomas: From Woman to Woman

Call Keren-Jo Thomas on +41 78 731 20 02 to schedule a first free call.
A man is not a financial plan
Women tend to live longer and earn less on average, making financial planning essential to ensure stability and reduce uncertainty later in life. As life evolves, so do financial goals and needs, which is why regularly reviewing and adjusting financial plans is crucial. It's important for women to take control of their own financial future—after all, as the saying goes, "A man is not a financial plan." Taking charge of finances ensures long-term security for both yourself and your loved ones.

Investment Guidance
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Financial & Property Investment Strategies – Smart, tailored approaches to growing your wealth.
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Stress-Free Financial Planning – Aligned with your personal goals and values.
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Clear Budgeting & Goal Roadmaps – Practical steps to turn your financial aspirations into reality.
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Investment Education & Wealth-Building Tools – Gain confidence in making informed financial decisions.
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Planning for Your Dreams – Create a financial strategy that supports the life you envision.
Life Event Planning
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Financial Guidance for Life Transitions – Support through divorce, career changes, family events, and international relocation.
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Discreet & Trusted Advice – A safe, judgment-free space for sensitive financial discussions and planning.
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Cross-Border Expertise – Deep understanding of the unique financial challenges expats face.
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Entrepreneurial Finances – Navigate the financial complexities of starting and growing a business.
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Caring for Aging Parents Parents
Retirement Planning
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Pension Adequacy – Ensure financial security for your retirement.
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Understanding the Swiss 3-Pillar System – Navigate and optimise your pension benefits.
Financial Independence from Employers. -
Early Retirement & Flexible Work – Plan for early retirement or reduced working hours.
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Gender Pay Gap & Salary Negotiation – Advocate for fair pay and secure a stronger financial future.
Why engage with Keren-Jo?
My mission goes beyond financial advising—I aim to be your trusted partner, guiding you toward a future that truly reflects your goals and dreams.
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Unbiased Guidance – My fees are not tied to investments, ensuring a pressure-free approach unlike traditional banks and brokers.
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Empowerment for Women – I specialise in helping women take control of their financial well-being.
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Overcoming Overwhelm – I support you in tackling procrastination and simplifying financial planning amidst life’s demands.
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Personalised Strategies – Together, we create
tailored solutions for long-term financial security
and reaching your goals.
Let's build your financial future with clarity and confidence!

What clients say...
Nothing speaks louder than the experiences of women who have taken control of their financial future. Hear from clients who have gained clarity, confidence, and peace of mind through personalised financial planning. Their journeys show what’s possible when you have the right support and guidance.
"Before connecting with KJ, I grasped the importance of financial planning but found myself overwhelmed by the scale of the task. Amidst an acrimonious divorce, safeguarding my and my daughter's future consumed much of my attention and energy. KJ offered invaluable support and empathy, helping me concentrate on overall objectives while addressing individual financial aspects as they arose, rather than succumbing to the pressure of tackling everything simultaneously. With a wealth of knowledge, she patiently explained options, considering both my British background and early career as well as my current situation in Switzerland. What stood out was her genuine concern for my well-being, often advising caution instead of pushing for immediate action, unlike other advisors I've encountered. I wholeheartedly recommend KJ to anyone seeking financial guidance, particularly women and expatriates, given her insightful understanding of our unique challenges and concerns."
Alison M.
"Before seeking Keren-Jo’s services, we felt lost and confused about our finances,
especially after years of international living. Having children motivated us to gain
clarity on our financial future. Keren-Jo’s holistic, structured approach reframed our
view, making finances a tool for achieving our goals. Her knowledge of Swiss and
UK systems was invaluable, allowing us to make informed decisions. Thanks to
Keren-Jo, we now confidently plan for our family’s future. Highly recommend!"
Sarah K.
"It has been a pleasure to work with Keren. She is very knowledgeable in this area and it has been eye opening to reflect on my unique financial situation and also be more aware of what to look for with regards to financial products, costs and the implications. I recommend Keren to anyone who would like more clarity of their own financial situation."
Aneeqah D.
Flexible Financial Planning: Choose the Plan That Fits You Best
Every woman’s financial journey is unique, which is why I offer three flexible ways to work together. Whether you prefer ongoing support, a structured step-by-step program, or guidance as needed, there’s an option that fits your lifestyle and financial goals.
No matter where you are in your financial journey, you deserve expert advice that works for you.
Let’s find the right fit and take the next step together!
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Subscription based planning: Continuous support and guidance to help you stay on track
As a subscriber you are entitled to continuous support and guidance to develop and maintain financial freedom. This includes access to the comprehensive Six-Step to Financial Freedom Programme and more.
Initial subscription period is twelve months.
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Flat Fee financial planning:
Six Steps to Financial Freedom
A structured approach to building a solid financial foundation.
The program is designed to help women take control of their financial future with confidence.
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Hourly consulting: Personalized guidance whenever you need it
Hourly consulting services are available to address your specific financial needs. Book your session in advance.
The Six Steps to Financial Freedom Programme
1. Life Events and Goals
We will carefully examine your personal situation to uncover key life events and goals, which will help us focus the planning process. Together, we’ll identify both short-term and long-term financial goals, taking into account your personal and professional aspirations.
4. Financial Planning
In this step, we will analyze your financial situation and create a personalized financial plan. This plan will outline the steps needed to achieve financial empowerment and highlight any potential challenges, such as pension shortfalls, inflation, and taxes.
2. Fact Finding
To create your financial plan, we will review your current income, expenses, assets, liabilities, pensions, life insurance, and any other financial commitments or relevant information.
5. Implementation
In this session, we will create an actionable plan based on the steps outlined in our previous meetings. This will serve as your roadmap to achieving financial empowerment.
3. Budget Planning
Establishing a solid budget is essential for financial empowerment. We will collaborate using a budget planning tool to align your finances with your lifestyle and financial goals.
6. Support and Review
While we can’t predict the future, we know that your goals and circumstances may evolve. That’s why we offer ongoing support and a review during the first year to ensure you stay on track.