If you only change one financial habit in 2026, make it this: Start holding a short, monthly family money meeting. Not a detailed budgeting exercise. Not a reaction to overspending. Not a place to renegotiate decisions every few weeks. Just a consistent, calm check-in that keeps your family aligned with the financial plan you have already agreed. After years working in private banking and wealth management, advising families with very different levels of wealth but remarka

I once worked with a client who had everything. Ultra-high net worth. Decades of business success. Access to every financial resource imaginable. Our bank rolled out the red carpet for him: dedicated analysts, specialists in every asset class, detailed research reports, personal portfolio reviews. He lost millions anyway. Not because he lacked intelligence. Not because he lacked education. Not because he lacked resources. He lost money because he lacked something far more v

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.

I have spent most of my professional life in finance, first in London, later in Zurich, working in banking and wealth management. I have seen how money shapes lives, choices, and freedom. I also learned that true wealth is much more than numbers on a screen. It is confidence, patience, gratitude, and balance. Values that are not taught nearly enough.