Pensions in two countries: understanding what you have
Illustrative story. Sarah is a fictional character, not an actual client.
Sarah had worked in both the UK and Switzerland. She had pension statements from different employers, but no clear overview. She wasn’t looking for a complicated investment strategy. She wanted to understand what she had and where to begin.
Keren-Jo’s approach starts with organisation: gathering statements, identifying the different arrangements and recording the information still missing. The next conversation connects that picture to the client’s goals—when they might want to retire, where they might live and what questions need answering.
Cross-border pension decisions can require specialist advice. A financial roadmap helps distinguish those decisions from the straightforward tasks a client can tackle first.
For someone like Sarah, progress means moving from a folder of disconnected documents to a clearer picture and a short, prioritised action list.
You don’t need to understand every pension statement before asking for help.