The rise of sustainable investing

In recent years, we’ve seen a significant shift in the world of investing, with more and more people looking to align their financial goals with their personal values. This has created the space for us to engage with sustainable investing, also known as socially responsible investing (SRI) or environmental, social, and governance (ESG) investing. This […]

Balancing risk and reward in a global market

Living abroad can be an exciting adventure, but when it comes to financial planning and investing, it can also feel like working through a maze; trust me, I know! At Northern Cross Wealth Management, we work with clients just like you who reside in South Africa, France, Italy, the USA, and beyond. We’ve seen time […]

Financial Planners vs. Advisers

Whether you’re an expat exploring the global financial landscape or simply looking to make the most of your hard-earned money, you might be wondering about the difference between financial planners and advisers. It’s a common question, and understanding the distinction can be a game-changer in your financial journey. You could ask one of my chickens […]

Positive ageing

As we work with clients who are entering their later years and managing their retirement, we find that they are often tinged with the challenge of loneliness. Retirement, the loss of loved ones, and the relocation of family can lead many to face the twilight of their lives in isolation. Yet, as W. Somerset Maugham […]

Retirement may not mean uninterrupted relaxation

Retirement often conjures images of leisurely days, free from the constraints of a 9-to-5 schedule. But what if the key to a truly fulfilling retirement lies in not entirely stepping away from the professional world? Before you settle into a future of uninterrupted relaxation, let’s explore a different perspective – one where continuing to work, […]

The cash that flew the coup!

Budgeting… that’s where the fun begins! When it comes to financial planning, one of the very first topics I dive into with new clients is budgeting. And it’s not always easy, because budgeting often gets a bad rap. Sure, it’s right up there after we’ve tackled the essentials like Wills, Powers of Attorney, Life Insurance, […]

Is it still tax-free?

In our quest for sunnier shores and new adventures, one critical financial aspect often overlooked is the tax treatment of UK pensions abroad. It’s a common assumption that the tax privileges enjoyed in the UK will seamlessly transfer overseas, particularly when it comes to the tax-free Pension Commencement Lump Sum (PCLS). This assumption, however, can […]

Tech and your tenners

I’ve always been fascinated with technology and how is helps us with our money – right from a kid with a fistful of tenners to my current position in our tech-driven profession. And, as someone who has witnessed the evolution of personal finance across different continents, I can attest to the revolutionary role that technology […]

The price of coffee and inflation

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 […]

The silent struggle between financial stress and mental wellness

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 […]