The Levels
Copper - targeted insights and occasional professional guidance
The Copper category is designed for those who prefer to manage their own financial affairs, but value the ability to consult a professional for specific, time-sensitive queries. It is a flexible, ‘light touch’ service level that provides a bridge between self-management and full advisory services.
This level is best for those clients who want isolated advice or a basic plan and do not require or want a holistic strategy, but want the peace of mind that comes from professional validation of their financial decisions as they arise.
Instead of an intensive planning relationship, Glover Wealth Advisory Copper offers you the security of having a dedicated expert ‘on call’.
- Professional Accessibility - Access to expert guidance on an ‘as-needed’ basis, allowing you to address specific queries without committing to an ongoing planning mandate.
- Efficient Resolution - Ideal for those seeking a ‘second opinion’ or a quick technical review of a specific scenario, policy or investment idea.
- Direct Continuity - While focusing on immediate needs, it maintains your place within Glover Wealth Advisory. Should your situation become more complex, requiring family planning or tailored investment proposals, your history is already established, allowing for a seamless transition to further levels.
Interactive Wealth Centre access: The Safe Storage Document Vault only, enabling you to securely access tax or planning documents digitally, alongside any research we discuss.
Bronze - proactive individuals seeking a structured roadmap to retirement and their private pension
The Bronze category is designed for those who want more than just a savings account; they want an optimised strategy and to know that someone is on their side, working for them. At this stage, the priority is ensuring that your private pensions and savings are working in harmony to reduce your current tax bill and secure your future lifestyle.
The Glover Wealth Advisory Bronze tier represents a shift from passive saving toward active, structured advice. Instead of a simple check-in, Bronze level offers a recurring framework to exploit new Swiss regulatory opportunities, such as the 2026 Pillar 3a top-up provisions.
- Contribution & Gap Optimisation - An annual assessment of your Pillar 3a and 2nd pillar ‘buy-in’ potential, identifying historical gaps and calculating exactly how much you can top-up and assessing whether you could be getting better growth elsewhere.
- Integrated Pension Mapping - A formal visualisation of your 1st, 2nd and 3rd pillars, including projected income against your retirement goals, in order to identify and close any coverage gaps, all of which is offered digitally.
- Legislative Guard - Continuous monitoring of Swiss tax reforms, such as the upcoming transition to individual taxation, ensuring your pension contributions are structured correctly under the new assessment rules.
Interactive Wealth Centre access: The Tracking Dashboard Full Access for a consolidated view of your pension and savings plan projections, mapped against your retirement target, accessible at any time, including via the app. Risk profile analysis offered too.
Silver - established families seeking to co-ordinate multiple goals with professional precision
The Silver category is designed for those whose financial lives have outgrown simple retirement accounts and ad-hoc advice. As your responsibilities and remuneration expand, perhaps to include a mortgage, children’s education or an increasing tax burden, the need for a proactive, integrated strategy becomes paramount.
The transition from Bronze to Silver represents a shift from planning for one to planning for a legacy.
The Glover Wealth Advisory Silver tier provides a framework to ensure your family’s protection and wealth accumulation work in tandem, utilising specialised structured solutions to secure specific future outcomes.
- Education & Life-Event Planning - Specialised and unrestricted secure strategies designed to fund future milestones (such as university fees or mortgage down payments).
- Quarterly Tactical Adjustments - Quarterly reviews to proactively adjust for life changes, ensuring your strategies and aims remain aligned, with market commentary provided.
- Next-Day Priority - Professional continuity with an elevated response time, ensuring that urgent questions are addressed within one business day.
Interactive Wealth Centre access: The Interactive Goal-Setter Scenario modelling, goal tracking for pensions and savings plans, comprehensive store of all documents and market commentaries. We can also run ‘what if’ scenarios for life changes and events. Risk-profile analysis used for balancing risks across different strategies and solutions for the family.
Gold - high-net-worth individuals requiring a personal guide for complex wealth steering
The Gold strategy is the most comprehensive partnership, designed for those who require a full service approach. At this level, wealth is no longer just about accumulation; it is about architecture and delicate balance of investment performance, tax efficiency and estate planning.
Choosing Glover Wealth Advisory Gold means moving beyond standard advice into a world of tailored proposals and direct co-ordination. Whether you are navigating the complexities of inheritance law or seeking a bespoke investment mandate that avoids the high hidden costs of retail banking, this provides a dedicated expert to act as your ‘Personal CFO’.
- Bespoke Investment Management - Access to tailored investment proposals across a variety of platforms, with private market insights and personalised monthly commentary provided, for strategies that align directly with your unique risk profile. All conducted in partnership with GWA’s preferred asset management solutions, free of charge.
- Strategic Liquidity & Succession Planning - Specialised guidance on the financial handover of assets, focusing on tax-optimised pension withdrawals, to minimise the tax burden during the transition to retirement or receipt of inheritance. Cashflow calculations are provided, allowing for seamless wealth management updates.
- Professional Co-ordination - GWA acts as your point of contact for all of your wealth management needs. Whilst it doesn’t provide legal or notary services, it can provide documentation overview and pre-planning services, ensuring your financial and estate planning strategies are perfectly synchronised.
- Same-Day Concierge Support - The highest level of priority service, and same-day responses, ensuring efficient and swift response time for critical decision-making.
Interactive Wealth Centre access: The Concierge Hub Multi-asset aggregation and direct communication, including your total net worth cockpit. We integrate data and figures from all of your policies and plans, property valuations and custom portfolios, enabling easy use of cashflow projections. Risk capacity and risk appetite are constantly updated to ensure plans remain in line with your aims. Treat this as your Personal CFO portal.