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. […]
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 […]
The High Price of “Waiting for the Dust to Settle”
By Bennett Scott Linsky “I’m just going to wait until things calm down.” We hear this phrase often. It usually comes during times of transition—an election year, a change in interest rates, or when the market hits a scary-sounding “all-time high.” It feels like a prudent, cautious strategy. It feels safe. But in the investment […]
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 […]
Understanding the New Rules for Inherited IRAs Under the SECURE Act
By Matthew Hunkele, Partner Imagine this: You’ve worked hard your entire life, diligently saving for retirement, and you want to ensure that your loved ones are taken care of after you’re gone. But recent changes in the law could significantly impact how your savings are distributed. As someone passionate about helping individuals and families achieve […]
Why Choosing an Investment Platform with Qualified Intermediary (QI) Status Matters for US Investors
By Mike Potts, Managing Partner For US-based investors, particularly those with international investment portfolios or cross-border ties, navigating the complexities of global investments is crucial. One key consideration is whether your investment platform holds Qualified Intermediary (QI) status. This is not relevant to domestic US providers – however it is to overseas platforms. But what […]
The Benefits of ETFs Compared to Mutual Funds: A Comprehensive Analysis
By Bennett Linsky, Partner and Investment Advisor When it comes to investing, Exchange-Traded Funds (ETFs) and mutual funds are two of the most popular options for building a diversified portfolio. Both have their own unique advantages, but ETFs have been gaining a lot of attention lately due to their distinct benefits. In this blog, we’ll […]
How Withholding Taxes Quietly Drag Down Your Long-Term Portfolio Growth
By Mike Potts, Managing Partner In our previous article, “Why Choosing an Investment Platform with Qualified Intermediary (QI) Status Matters for U.S. Investors” we explored how using a QI-status investment platform can help American investors avoid unnecessary withholding taxes on dividends (remember, this is not relevant to domestic US providers – however it is to overseas […]