When Financial Plans Assume Stability, But Life Doesn’t
By Bennett Linsky Most financial plans are built on a quiet assumption: that the future will broadly resemble the present. The same country. The same tax system. The same currency. The same set of rules. For many people, that assumption is reasonable. For internationally mobile individuals and families, it often is not. That is where […]
Why Holding Too Much Cash Could Be Costing You More Than You Think
By Matthew Hunkele Introduction Cash feels safe. It doesn’t fluctuate. It doesn’t fall sharply in a bad year. It sits there, stable and predictable. But for many investors—particularly high-net-worth individuals and US expats—holding too much cash is one of the most overlooked risks in a portfolio. Not because of what it does, but because of […]
The PFIC Trap: Why Many Investments Recommended Overseas Are Toxic for U.S. Investors
By Michael Potts For most investors, choosing a fund is straightforward. You evaluate the strategy, the costs, and the track record, then decide whether it fits your portfolio. For U.S. citizens living abroad, however, the decision can be far more complicated. Many investments that are perfectly normal in other countries can create severe tax problems […]
The Hidden Risk for Americans Retiring Abroad: Sequence-of-Returns Risk
By Adrian Flambard For many Americans living overseas, retirement planning feels straightforward on the surface. You accumulate investments during your career, eventually begin withdrawing income, and enjoy the lifestyle that living abroad can offer. But there is a hidden risk that often receives far less attention than taxes or investment returns. It’s called sequence-of-returns risk, […]
The Biggest Financial Risk for Successful Families Isn’t Investment Performance
By Damien Hanly When people think about financial risk, they usually think about markets. Volatility. Recessions. Interest rates. Inflation. These are the risks that dominate headlines and client conversations. Yet, in my experience working with internationally mobile and high-net-worth families, the biggest long-term threat to financial security is rarely investment performance. It’s disorganization. Not dramatic mistakes. […]
From Shirtsleeves to Shirtsleeves: Why Wealth Often Fades by the Third Generation — and How to Break the Cycle
By Matthew Doherty DipPSF There’s an old saying that exists in many cultures, with slightly different wording but the same message: “From shirtsleeves to shirtsleeves in three generations.” It reflects a pattern that has repeated itself for centuries. One generation builds wealth through discipline, sacrifice, and hard decisions. The next benefits from that success and […]
As Goes January, So Goes the Year? Analyzing the “January Barometer”
By Zachary Zanghi, AIF®, DipPFS | Senior Partner In the world of financial planning, we often warn against the dangers of trying to time the market. However, historical data sometimes reveals patterns that are too consistent to ignore. One of the most famous of these is the “January Barometer.” Since 1950, the market’s performance in […]
What the UK Budget does — key headline measures
On the spending/benefits side: the Budget reverses the “two-child benefit cap” (restoring benefits for larger families), and invests more in public services, welfare and regional funding. The government says the measures aim to balance “fair taxes, strong public services, and a stable economy,” while avoiding austerity. What this means for UK expats living in […]
I’ve Maxed Out My 401(k)… What’s Next?
By Myles Davies You’ve built consistency, stayed disciplined, and reached your annual 401(k) limit. That’s an achievement worth recognizing. But once you’ve maxed out, where should your next dollar go? At Rosefinch, we help clients think beyond the box—so your money continues to work efficiently across every stage of life. I. The Power of the […]
Planning Your Retirement: A Smart Start with Rosefinch Black
You know how important it is to plan for your retirement — but where do you begin? A solid plan starts with estimating how much income you’ll need to fund your lifestyle after you stop working. That’s not always straightforward. Retirement planning isn’t an exact science: your needs depend on your goals, your health, your […]