We are a Geneva based, regulated investment adviser whose Founder and CIO has been advising, or managing multi-billion dollar family offices for more than a decade.

Think of us as your personal investment adviser, except that having to meet us face to face, we provide all you need to know about your investments via technology.

We are not a bank and do not “touch” your money, which is kept in custody with a third party heavily regulated broker.

Of course, as Advisers we show you our best thinking in terms of model portfolios tailored to your account risk profile. In addition, we show you investment strategies used by some of the best performing funds and financial institutions.

You get to see exactly what each portfolio holds, before you invest, and more importantly to Backtest how it performed over the past years including during the 2008/ 09 crisis.

Furthermore, you are free to test your own ideas to increase return, or reduce risk, depending on your investment objectives.

Our objective is for our Clients to make educated, informed investment decisions, that we can then execute in the most cost efficient manner possible.

Your money and securities are in the custody of Interactive Brokers (IB), one of the largest electronic trading houses in the US and globally. They are publicly listed on New York Stock Exchange and are heavily regulated by SEC, FINRA, FCA, and other regulators around the world.

IB account access is protected via multifactor authentication, but even if someone else gained access to your account, they would not be able to transfer funds out elsewhere.

Unlike some of the largest global financial institutions they have not suffered losses during the 2008/ 09 and did not require any government bailouts.

IB protects client assets via a multi layered approach, including but not limited to USD 500,000.

Investment always involves a certain degree of risk.

You can manage your risk by selecting an overall lower risk level for your portfolio, then within that going for lower risk investments (i.e. with lower volatility).

Last, but not least, you increase your chances for a positive return by investing over a longer term and by investing over time (i.e. investing regularly through “thick and thin”).

Ultimately, even holding everything in cash can be, in fact extremely risky. Cash can lose purchasing power due to inflation or can devalue deeply compared to other currencies. In addition, deposits are also subject to the bank risk, or the risk of the deposit guarantee mechanism.

You are free to liquidate your account and transfer money in and out on a daily basis, subject to exchange opening hours, interbank transfer delays, etc.

For most clients it could take between a few hours to maximum 5 working days between a withdrawal order and the funds actually arriving in their external account.

Also, it is important to remember that IB will only wire out to an account in your name.

We charge a flat fee as a percentage of the net value of your assets. This includes: platform cost, investment research, trading fees (subject to Fair Use), custody fees, fund transfers in/ our (subject to our Fair Use).

Fair Use means:

• With respect to wire transfers: unlimited incoming wire transfers and 1 transfer out per month
• With respect to trading: up to 20 buy/ sell transactions per month

We can only offer such as low fee structure because we leverage technology to handle thousands of accounts for every human banker.

However, a banker can only handle no more than 15 to 20 calls during a day.

That is why calls are expensive.

Currently we charge USD 300/ hour.

Our investment universe includes mostly US listed Exchange Traded Funds that are among the:

• Lowest cost
• Highest liquidity
• Lowest tracking error
• Highest return
• Highest quality

While there are long term concerns about the strength of the US dollar, it remains nevertheless, the main reserve currency of the world.

GWAP measures investment performance in USD. However the overall result may be lower, or higher as expressed in other currencies, depending on the change of those currencies’ value versus the USD.

During the registration process for GWAP Invest, we ask you to complete a form called W8-BEN. This is a US tax document that determines how much taxes will the US government withhold from your dividend and interest income on your account. These withholding taxes depend mainly on your tax residency (e.g. 15% on dividend income) and are deducted automatically by the broker. There is no withholding tax on capital gains.

So, other than filling out the W8-BEN, you don’t need to do anything for US tax purposes. The US withholding tax may have a relatively low impact on the overall investment performance. For example, a portfolio with a gross dividend yield of 2% may end up paying a withholding tax of 0.3% (2% x 15% tax) to the US.

If you are a Swiss tax reporting person, the reporting is very straight forward. You can add Interactive Brokers on your tax return as a regular custody account, together with its end of the year balance, overall income received and withholding taxes paid. In Switzerland there is no tax on capital gains. You may need to convert the amounts from USD to CHF at the rate provided in the fiscal guide.

Generally, tax authorities look at:

• Dividend income
• Interest income and expenses
• Realized capital gains and losses
• Net Asset Value

IB annual statements provide all the detailed information with respect to the above.

Please check with your tax advisor how best to fill your tax return.