A notable increase
This year, we have seen a notable increase in inquiries from American investors seeking clarity, stability, and jurisdictional diversification in their long-term wealth planning. These individuals, ranging from entrepreneurs and executives to retirees and multigenerational families, are reassessing the concentration of their assets within the US financial system and looking for options that extend beyond one country, one currency, and one regulatory framework.
Reducing home bias and concentration in the US system
Many Americans reaching out to us express concern about the extent to which their wealth is tied primarily to US markets, institutions, and the US dollar. While they continue to value the US economy, they increasingly view it as prudent—not reactionary—to reduce home bias. Clients tell us they no longer feel comfortable having everything dependent on one legal, political, or monetary regime. Instead, they want part of their wealth positioned in a stable, neutral jurisdiction known for long-term consistency.
Addressing growing currency concentration risk
A recurring theme among new inquiries is the desire for multi-currency exposure. With inflation volatility and shifting interest-rate dynamics, Americans are exploring allocations outside the USD. The Swiss franc regularly stands out as a currency associated with resilience and low correlation, making it an attractive counterweight in a diversified wealth strategy. Many clients explicitly request guidance on holding a portion of their liquid assets in CHF or other strong international currencies.
Seeking a more stable, globally connected banking hub
Another driver behind these conversations is dissatisfaction with the limitations of the US banking environment, especially when it comes to international transfers, cross-border activity, and long-term continuity. Switzerland consistently emerges as a preferred financial center due to its stability, predictable regulatory framework, and reputation for professionalism in cross-border wealth management. For many Americans, Switzerland represents a place where long-term planning can be executed with clarity and structure.
Looking for independent, internationally minded advisors
Most importantly, Americans who contact us are not simply looking for products, they are looking for strategic guidance. They want an advisor who understands US investors, US regulations, and the unique complexities of cross-border planning, while also bringing a global perspective. They seek guidance on questions such as:
- How to hold assets abroad in a compliant and structured way
- How to incorporate multi-currency diversification
- How to integrate international accounts, custody, or alternative assets
- How to evaluate long-term structures such as international trusts or holding companies
These individuals value independence, discretion, and a relationship-based advisory approach. They want to work with a team that can bridge their US financial life with global opportunities in a fully compliant manner.
A clear trend: Americans want jurisdictional balance—Not exit strategies
The Americans contacting us are not trying to abandon the US system. Instead, they are looking to enhance their long-term resilience by complementing their US holdings with a stable international counterpart. Switzerland’s regulatory strength, political neutrality, banking infrastructure, and cross-border expertise continue to make it a natural choice for those seeking a thoughtful and structured diversification strategy.
Here to assist you
Alpen Partners International, an independent financial advisor and global wealth planner, is registered with the SEC as an investment advisor in the United States and works with American clients in the US and abroad.
Market conditions and broader economic factors can significantly impact the value of investments. Investments in international markets are subject to additional risks, such as currency exchange fluctuations, political or economic instability, and variations in accounting practices. Alternative investments, including but not limited to hedge funds, private equity, and real estate, may be illiquid, speculative, and are not suitable for all investors.
The above information should be considered before making any investment decisions.
All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.
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