Many Older UK Pension Schemes Still Limit Your Retirement Choices
Modern pension freedoms transformed retirement planning, but many older UK pension schemes still don’t offer the flexibility people expect.
The Retirement Risk Most People Miss
This week’s blog, in 90 seconds INSURANCE The Retirement Risk Most People Miss Healthcare costs are the retirement risk most families underestimate — and for cross-border families, the gap between assumption and reality can be wider still. ZZ Zachary Zanghi · Rosefinch Investment Advisors · 5 min read This article is educational and is not […]
Financial Independence Is Different When You Have More Than One Country
For affluent Americans living internationally, financial independence means more than a portfolio number — it means a financial structure that can move with you.
Term Life Insurance Conversion: What It Is and How it Works
By Zachary Zanghi You bought a term life insurance policy years ago, perhaps when you started a family, took out a mortgage, or simply wanted affordable coverage when cash flow was tight. But what happens when your circumstances change, your health changes, or your financial picture grows more complex? That’s where the term conversion option […]
Leaving the US? 10 Financial Checks to Make Before You Move
By Damien Hanly Why this matters Most international moves feel like a logistics problem: visas, schools, housing, shipping, flights. But financially, leaving the United States is rarely a simple change of address. It can quietly reshape your tax exposure, account access, investment suitability, and long-term planning—often in ways that only become obvious after you’ve already […]
When Financial Plans Assume Stability, But Life Doesn’t
This week’s blog, in 90 seconds PLANNING When Financial Plans Assume Stability, But Life Doesn’t Most financial plans rest on a quiet assumption — that you’ll stay in the same country, tax system, and currency. For internationally mobile families, that assumption rarely holds. BL Bennett Linsky · Rosefinch Investment Advisors · 3 min read This […]
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. […]