A clearer way forward
Your life.
Your money.
Your future.
Independent financial planning for women in Switzerland.
Clear, personal guidance on retirement, international relocation, career changes, separations and other major life changes—helping you understand your finances and move forward with confidence.
20-minute video call · No obligation · Friendly, confidential chat
Space to ask. Clarity to act.
You don’t have to figure it all out alone.
Perhaps you have pensions in different countries, questions about your savings, or a life change that makes everything feel more urgent. You don’t need to have everything organised before we talk.
Hello, I’m Keren-Jo
I help women make sense of their finances with clear explanations, practical guidance and space to ask questions. We start with your life and what matters to you, then work through the financial questions together.
I’ve worked in financial services for more than 30 years, beginning my career with HSBC in the UK before continuing my journey in Switzerland.
I’ve learned that financial decisions are rarely just about money. They’re about family, independence, relationships, careers and the freedom to choose how we live.
I hold a Diploma for Financial Advisers (DipFA), London Institute of Banking & Finance (LIBF).
Based in Zug. Consultations are available online or in person by arrangement.
How I can help
Financial guidance for the decisions in front of you. We start with your circumstances, then work through the questions together.
01
Making sense of finances in Switzerland
Bring your accounts, savings, pensions and commitments into one clearer picture. We identify what you understand, what needs attention and where to begin.
02
Navigating a life change
Separation, relocation, a career break or changing family responsibilities can bring unfamiliar financial questions. We explore your priorities and develop manageable next steps.
03
Planning for pensions and retirement
Bring together your pension information, explore your goals and understand the decisions ahead. Where specialist input is needed, we discuss the appropriate next step.
04
Savings and investments
Understand how your savings and investments relate to your goals, time horizon and comfort with risk. I don’t sell financial products or receive commissions.
What you can expect
Clear explanations, room for your questions and practical actions. We agree the scope and fee before starting. You can keep your existing bank accounts, pensions and investments.
How we build your financial plan
Six steps to financial clarity, across six 45-minute meetings. We work at a pace that fits your circumstances.
01Understand what matters to you
We explore your circumstances, the decisions ahead and what you want your money to support.
You gain: Clear priorities and agreed goals.
02Bring your financial picture together
We organise the relevant information about your income, spending, savings, debts, pensions and other commitments.
You gain: A clearer view of where you stand.
03Identify gaps and explore your options
We assess how your current position connects to your goals. Depending on your needs, we look at cash flow, retirement planning and areas that need attention or specialist input.
You gain: An understanding of the key questions, choices and trade-offs.
04Build your personal financial roadmap
We bring the findings together into a practical plan, explaining the priorities and the reasoning behind them.
You gain: A written roadmap tailored to your circumstances.
05Turn the plan into next steps
We agree what to tackle first, what you will do yourself and where another professional may be needed.
You gain: A manageable action list with clear responsibilities.
06Check progress and look ahead
An implementation check-in helps you review progress, discuss questions and identify your next priorities.
You gain: Support in moving from understanding to action. Regular reviews are available separately through the Ongoing Financial Partnership.
What clients say
Personal support, clearer decisions and confidence in the next step. Here are a few words from clients.
“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.”
Alison M.
“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.”
Sarah K.
“I recommend Keren to anyone who would like more clarity of their own financial situation.”
Aneeqah D.
Support that fits your financial life
Start with one question, build a complete plan, or stay supported as life changes. Clear fees and an agreed scope help you know what to expect. All package sessions last 45 minutes.
Start with a free 20-minute discovery call. You don’t need to choose a package before we talk.
1. Financial Clarity Package
CHF 395One focused question · two consultations
For a specific decision or concern: a pension question, a change in income, or where to begin.
- A short questionnaire and review of relevant information.
- Two 45-minute consultations.
- A concise written action list.
- One follow-up email exchange within 14 days.
Your outcome: a clearer understanding of your question and practical next steps.
Where the question requires a broader review, we agree the scope before booking.
2. Personal Financial Plan
CHF 2,100Your financial picture, brought together
For clients who want to understand their position, connect their priorities and develop a practical plan.
- A structured fact-finding process.
- Swiss three pillar pension system and other foreign pensions, where relevant to your circumstances.
- Review of the financial information agreed within scope.
- Six 45-minute meetings covering your position, options, action plan and implementation.
- A written financial roadmap with priorities and next steps.
Your outcome: a coherent plan and a clear order of action.
Pay in full or in three instalments of CHF 700. Complex circumstances receive a separate fixed-fee proposal before work begins.
3. Ongoing Financial Partnership
CHF 195 per monthAvailable after completing your plan
For clients who value regular guidance as life and priorities change. Creating your Personal Financial Plan is a separate service and fee.
- Two 45-minute review meetings per quarter.
- An annual refresh of the existing roadmap.
- Up to 30 minutes of between-meeting support per month, with replies within three working days.
- Additional work is agreed and priced separately. Third-party investment and asset management fees, if applicable, are not included in this planning fee.
Your outcome: regular attention, accountability and support in keeping your plan relevant.
Minimum commitment: six months (CHF 1,170 in total), including four 45-minute meetings. After that, the partnership continues monthly with 30 days’ notice. Unused support time does not roll over.
Common questions
Do I need everything organised?
No. We discuss what information will help and take it step by step.
Can we meet online?
Yes. Consultations are available online or in person by arrangement.
Do I need to change banks?
No. You can keep your existing accounts, pensions and investments.
What if I need specialist advice?
We agree the scope of our work and discuss when legal, tax or other specialist input may be needed.
Financial empowerment insights
Practical perspectives on the questions that can arise at important moments in life. These stories are illustrative examples, with fictional names—not client testimonials.
Moving from Switzerland to the UK
Putting cross-border financial questions in order before a move.
Pensions in two countries
Bringing UK and Swiss pension information into one clearer picture.
Finding a starting point after separation
Understanding income, commitments and immediate priorities.
Let’s start with what’s on your mind
A free 20-minute discovery call is a chance to ask questions and see whether working together feels right.
Email: kerenjo@kerenjothomas.com
Phone: +41 78 731 2002
What to include
Your name, the best way to reach you, a brief outline of what you would like help with, and some suitable times to talk. Keep your first message brief; we can discuss how to share detailed financial information when needed.
Online or in person
Keren-Jo Thomas Financial Planning
Riedpark 7
6300 Zug, Switzerland
Consultations by arrangement.
What happens next?
We arrange a suitable time to talk. If you decide to proceed, we agree the support, fee and information needed before starting.
Your privacy
Your enquiry is used to respond and arrange suitable support. Please keep your first message brief and avoid sending detailed financial documents. Read our Privacy & Cookies notice for information about the services we use, overseas processing and your rights.