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I’ve spent most of my professional life in finance — first in London, later in Zurich, working in banking and wealth management. I’ve seen how money shapes lives, choices, and freedom. But I’ve also learned that true wealth is much more than numbers on a screen. It’s confidence, patience, gratitude, and balance — values that aren’t taught nearly enough.

Each year, the UBS Billionaire Ambitions Report provides a rare, data-driven window into how the world’s wealthiest families build, preserve, and transfer wealth. The 2025 edition is particularly instructive, not because the numbers are larger than before, but because the report captures a moment of transition. Wealth is no longer described simply as a personal achievement or financial outcome. Instead, it is increasingly framed as a long-term family system , shaped by decis

Most families work incredibly hard, yet many still feel as though they are only managing the present rather than shaping the future. It is common to believe that financial security is simply a matter of earning more, but after more than fifteen years in wealth management, I learned something different. Income alone does not create lasting wealth. What truly matters is how a family plans, saves, invests and makes decisions over time. This family wealth guide will show you the

November 2025 delivered a turbulent month for financial markets, with stocks recovering from mid-month losses to finish modestly higher while Bitcoin posted its second-worst monthly performance of the year. The S&P 500 and Dow closed modestly above flat for the month, while the Nasdaq shed 1.5% to snap a seven-month advance. Silver emerged as November's star performer, hitting record highs above $56 per ounce with gains approaching 13% for the month.

Bringing Investment Portfolio Diagnostics Home: A Comprehensive Financial Review for Families In wealth management, portfolio health checks aren't optional. We would systematically review our clients' investments: asset allocation, concentration risk, issuer exposure, fees, performance attribution, liquidity constraints. These weren't just glances, they were rigorous diagnostics designed to identify vulnerabilities before they became problems. The irony? Many of the professio

When it comes to raising children, one of the most valuable gifts we can offer is financial confidence. Imagine planting a seed that grows into a sturdy tree, providing shade and fruit for a lifetime. That seed is financial literacy, and nurturing it early can shape a child’s future in remarkable ways. This is where Learn with Ebba steps in - an educational finance platform designed to make money lessons engaging, fun, and accessible for families.

What does Dracula have to do with your wallet? Discover how this classic teaches families the power of awareness, discipline, and lasting financial confidence.

UBS’s Global Family Office Report 2025 captures insights from 317 family offices managing an average of USD 1.1 billion each. It reveals that wealthy families are holding steady amid global volatility, shifting more toward developed market equities, private debt, and healthcare or AI-driven investments. The biggest concern for 2025 is a potential global trade war, yet most family offices maintain a long-term, “all-weather” approach.

My daughter Ebba is 18 months old. She can't talk yet, but I'm already thinking about the money conversations we'll have. Not because I'm anxious. Because I'm prepared. After 15 years managing hundreds of millions for ultra-high-net-worth clients—executing trades worth over 100 million francs, structuring multi-currency loans, advising on everything from equity portfolios to real estate funds—I've learned one critical lesson: Financial confidence starts young. Much younger

After 15 years advising ultra-high-net-worth clients in Zurich and London—managing portfolios worth hundreds of millions—I thought I knew everything about money. Then I had my daughter Ebba. She's only 18 months old now, but I find myself thinking about all the money conversations we'll have in the future. What will I say when she asks where money comes from? How will I explain saving without making it sound boring? How do I avoid the mistakes my own parents made?

You might wonder, what exactly does financial education mean? At its core, it’s the process of learning how to manage money wisely. This includes understanding how to earn, save, spend, invest, and protect money. But it’s more than just facts and figures - it’s about developing skills and attitudes that lead to smart financial choices.

October 2025 delivered a tale of two markets: U.S. equities powered to multiple record highs while Bitcoin suffered its worst October in a decade. The month saw the Federal Reserve cut rates again amid mounting concerns about labor market weakness, even as inflation remained stubbornly elevated at 3%. Gold continued its historic run with gains exceeding 3%, while a U.S.-China summit late in the month eased trade tensions and stabilized volatile markets.

September 2025 defied historical trends as markets delivered solid gains despite the month's traditionally bearish reputation. The S&P 500 climbed 3.53% while Bitcoin posted its best September performance in 13 years, signaling a shift in seasonal patterns as investors prepared for what's typically a strong fourth quarter.

In our increasingly connected world, knowing multiple languages offers children more than just a communication tool; it serves as a foundational skill that can greatly influence their financial futures. As parents, we often focus on the academic and social perks of language learning without fully recognizing the financial benefits.