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 […]
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 […]