One of two situations might arise when we have done a gap analysis: either you are on track to hit your targets or you are not. If you are in the fortunate position of being on track the focus is keeping you that way with the lowest level of required…

Here is the key message right up front: Small actions taken consistently over time can have a substantial impact. This is so important for anyone looking at their existing investment portfolios and for those who are still caught up in the inertia…

Retirement planning changes when you become an expat. Most of us have accrued pensions from our employers in our home country and often in the countries we are now living as international professionals.

Do you want to make a difference to the world around you through your investments? It’s a request we receive more and more. How can I invest consciously? What does it mean to do that? Ethical investing is sometimes referred to as…

We wish you all a very happy and fulfilling New Year. What do you want to achieve in the 2020s? It is the time of year when we reflect on what we have done and what we want to achieve in the new year and the new decade ahead.

According to Eurostat, life expectancy at birth in the EU increased by 2 years for women and 2.9 years for men between 2002 and 2021. As people continue to live longer, the way your life will look after the age of 50 is likely to be very different to…

It’s a good time of year to be writing about Happiness, but it is something that should perhaps take more priority all year round. This post is inspired by one of our favourite podcasts, The Happiness Lab, by Dr Laurie Santos.

We post articles each week on various aspects of life as an international or expat in Europe in relation to managing your investment, pensions and your money in general. We provide this information because as expats ourselves we have…

Financial education for many people is one of those things that is important but never urgent and there is always something better to do, even if that is the housework! For some it is downright boring. We know we are exceptions that actually find…

Since FATCA (The Foreign Account Tax Compliance Act ) came into force in 2010, it has impacted Americans and US connected persons living abroad significantly. FATCA requires all US Citizens and US connected individuals…

This post covers a concept that we speak about a lot with our clients and is one that can have a major impact on achieving your goals and creating a better financial life. Life can be busy, hectic and we often find ourselves moving from one…

For expats and internationals living in Europe that own or aspire to own property in the UK, there are lots of reasons to remain positive about property in the UK. Falling property prices driven by political and economic uncertainty mean that there is value in the market.

The idea of retirement is changing and they way we will live into our senior years is undergoing a substantial social shift, right now, and right in front of us. The traditional model is that we work our adult lives, for 40 to 50 years…

There are a number of factors to take into account whether you are planning and managing your investments yourself or getting professional advice. We consider five key factors when undertaking investment analysis for our clients.

We have written about a number of aspects of risk and volatility in financial and investment management recently, including: managing unexpected events; how to act after something goes wrong; the impact of behavioural economics…

Slipped up? Wish the advice arrived sooner? We have written recently here about how to prepare for the unexpected and how to protect yourself from future upsets, but what if you are too late? What if the upset has already happened?

Sometimes, very rarely, everything goes exactly according to plan. Far more often, there are shocks to the system. Whether you find yourself away on holiday with the family and suddenly unable to fly home, your employer is suddenly forced to…

Coworkers analyzing charts and graphs at the meeting, view from above With the summer holiday period officially finished, schools are back, working life has resumed and we are seeing a lot of requests for help as people get their financial lives in order.

We recently wrote about risk profiling and how we align our clients’ goals to the dynamics of the markets and their assessed risk profile. You can read more about it here. Everything we discussed in that article concerned logical, quantifiable…

One of the first things we do with new clients, after discussing their needs, goals and what they want to achieve, is to do a risk profile assessment. It is an important tool that is often overlooked or misunderstood however is fundamental in…