In my two decades of living in various countries and working with clients worldwide, I’ve seen firsthand how inflation can influence everything from the cost of a morning coffee and croissant here in France to a bagel in the U.S., or a cruffin in South Africa. It’s a stark reminder that inflation is not just...Continue reading

Financial well-being and mental health are inextricably linked, a truth that we must face with the same seriousness as we do our physical health. The challenges of mental health, particularly among men who struggle to open up about this, is a conversation that must happen openly and continuously. The stark reality is that mental health...Continue reading

The financial world is often abuzz with the latest advice from soi-disant gurus and experts, but it’s essential to parse fact from opinion, especially when it comes to safeguarding your future. A recent stir in the financial community has brought the spotlight back onto the 4% withdrawal rule—a guideline for spending down retirement savings—and a...Continue reading

Investing is a complex interplay between financial acumen and psychological influence, a concept well-articulated by Charlie Munger, the renowned investor and vice chairman of Berkshire Hathaway. He once said, “Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things.” Many people...Continue reading

As long as I’ve been doing this, there have been countless inquiries about the latest market trends and investment opportunities. A recent encounter in the U.S. perfectly encapsulates the challenges faced by financial advisors when approached for quick tips or validation of investment choices.  I was asked about my thoughts on Bitcoin and Tesla shares,...Continue reading

Can you remember the first moment you thought about leaving your home country to live somewhere else? This question often evokes a mix of excitement and apprehension, reflecting the very essence of assessing and embracing risk. It’s a journey that parallels the intricate process of financial planning, especially in the diverse world of global investments....Continue reading

Ten years have swiftly passed since my wife and I bid farewell to the lively streets of Accra, Ghana. Our departure marked the end of an enriching two-year sojourn where the essence of international financial planning took on a new, profound meaning. Ghana, often unheralded in the world of global finance, provided a vibrant landscape...Continue reading

Financial planning is a multifaceted process that goes beyond just picking stocks and hoping for the best. It’s about strategically aligning one’s financial decisions with their life goals and finding peace of mind in the process. At Northern Cross Wealth Management, we understand that financial advice is a critical element in securing not only a...Continue reading

The global economy is an ever-shifting landscape; understanding the trajectory of inflation is crucial for savvy financial planning. Here, we delve into five key insights about global inflation and its anticipated trends, offering a clear perspective for your financial strategies in the coming years. Projected Global Inflation Rates The financial crystal ball for 2023 and...Continue reading

Recently, I’ve been pondering the concept of balance. It’s a term we often associate with the well-worn phrase “work-life balance,” but that’s just skimming the surface of its true depth.  Balance in our lives extends far beyond the simple dichotomy of work and leisure; it seeps into every facet of our existence – our relationships,...Continue reading