Hansa Perpetual is a boutique cross-border wealth planning practice for internationally mobile professionals — UK and EU expats in Switzerland, US citizens abroad, and anyone whose financial life spans more than one jurisdiction.

Most advice stops at a border. Ours begins there. We work where Swiss tax structures, EU regulation and UK pension law meet — structuring pensions, investments and long-term wealth so they survive every move you make.

What we do:
• Swiss pensions — 1st, 2nd and 3rd pillar (AHV, BVG, 3A/3B) optimisation and coordination
• 2nd pillar transfers, vested benefits and QROPS analysis for those leaving Switzerland
• Lump-sum and long-term investment mandates — product-agnostic, built around your liabilities and currencies
• Luxembourg and Liechtenstein insurance wrappers for tax efficiency, succession and portability
• US-connected planning — SEC-compliant advice via Series 65, with FATCA, FBAR and PFIC guidance

How we're different:
We are not a bank, an insurer or a fund manager. No proprietary product, no retained commission — compensation that is disclosed, aligned and explainable in a single sentence. The person who designs your structure is the person who reviews it.

Founded by Praniel Ladwa, who spent 20+ years in regulated cross-border wealth management — co-founding and running operations at a 60+ person multi-jurisdiction firm across Switzerland, Malta, the UK and Cyprus — before building Hansa Perpetual to deliver that same institutional-grade advice directly, without the institutional overhead.

Hansa Perpetual operates through established, regulated partner firms, with full KYC/AML procedures and transparent fee disclosure.

Begin with a complimentary 45-minute review of your pensions, investments and structure across jurisdictions. No product pitch — just clarity.

Hansa Perpetual

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Hansa Perpetual

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