{"url":"https://nivawealth.com/firms/white-lighthouse-investment-management-s-a-r-l-172284","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/172284","regulatoryAum":104539000,"crd":"172284","history":[{"filedOn":"2021-03-24","regulatoryAum":75495000,"clients":39,"employees":2,"offices":1},{"filedOn":"2022-03-18","regulatoryAum":75674000,"clients":37,"employees":2,"offices":1},{"filedOn":"2023-03-28","regulatoryAum":62051000,"clients":37,"employees":2,"offices":1},{"filedOn":"2024-05-10","regulatoryAum":80169000,"clients":40,"employees":2,"offices":1},{"filedOn":"2025-03-18","regulatoryAum":87106000,"clients":35,"employees":2,"offices":1},{"filedOn":"2026-05-18","regulatoryAum":104539000,"clients":37,"employees":2,"offices":1}],"secFileNumber":"801-80345","legalName":"White Lighthouse Investment Management S.a.r.l.","displayName":"White Lighthouse Investment Management S.a.r.l.","slug":"white-lighthouse-investment-management-s-a-r-l-172284","website":"https://white-lighthouse.ch/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/172284/369d391e23b799ca-r1.webp","tone":"dark","width":888,"height":200,"sourceUrl":"https://www.white-lighthouse.ch","sourceLabel":"White Lighthouse Investment Management S.a.r.l., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"limited liability company organized in Switzerland","fiscalYearEnd":"December","headquarters":{"street":"Rue Du Grand-Chêne 8","city":"1003 Lausanne","state":"","stateName":"","country":"Switzerland","postalCode":"CH 1003"},"tradeNames":[],"registration":{"secApproved":"6 October 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2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020453","versionId":1020453,"submittedOn":"2026-03-17"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020455","versionId":1020455,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020454","versionId":1020454,"submittedOn":null}]},"custodians":[{"name":"Swissquote Bank Sa","shortName":"Swissquote Bank Sa","location":"Gland","smaAssets":104539000}],"custodyNote":"White Lighthouse Investment Management S.a.r.l. does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Jonathan Lachowitz","title":"Owner-Managing Director and Chief Compliance Officer","crd":"5778307"}],"ownership":[{"label":"Jonathan Lachowitz","detail":"Owner-managing director and chief compliance officer in the 75% or more ownership band and a control person, since May 2006."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"41225481431","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":96},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"18 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/172284/PDF/172284.pdf","brochureDate":"17 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020453","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does White Lighthouse Investment Management S.a.r.l. have?","answer":"White Lighthouse Investment Management S.a.r.l. has 37 clients and manages $105 million for them, as of May 2026. They include 26 high-net-worth individuals, 10 individual clients and 1 corporate or other business client.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does White Lighthouse Investment Management S.a.r.l. offer?","answer":"White Lighthouse Investment Management S.a.r.l. provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does White Lighthouse Investment Management S.a.r.l. charge?","answer":"White Lighthouse Investment Management S.a.r.l. charges 0.80%–1.00% for its Investment Management Based Engagement. The brochure does not state whether the rate is annual. The fee is billed in arrears and is negotiable.","source":"ADV PART 2A, filed 17 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does White Lighthouse Investment Management S.a.r.l. use?","answer":"White Lighthouse Investment Management S.a.r.l.’s separately managed account assets are held at Swissquote Bank Sa (Gland), with $105M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does White Lighthouse Investment Management S.a.r.l. have?","answer":"White Lighthouse Investment Management S.a.r.l. has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does White Lighthouse Investment Management S.a.r.l. invest in?","answer":"At the end of its last fiscal year, White Lighthouse Investment Management S.a.r.l.’s separately managed accounts held 96% exchange-traded equities and 4% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns White Lighthouse Investment Management S.a.r.l.?","answer":"White Lighthouse Investment Management S.a.r.l.’s direct owner is Jonathan Lachowitz (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does White Lighthouse Investment Management S.a.r.l. get paid?","answer":"White Lighthouse Investment Management S.a.r.l. is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact White Lighthouse Investment Management S.a.r.l.?","answer":"White Lighthouse Investment Management S.a.r.l.’s main office is at Rue Du Grand-Chêne 8, 1003 Lausanne, Switzerland CH 1003. Its phone number is 41225481431. Its website is white-lighthouse.ch.","source":"Form ADV Part 1A, Item 1.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}