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 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 […]
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 […]