Children are not asking for a bank statement when they ask if you are rich. They are trying to understand their place in the world. They are noticing differences between families and trying to make sense of what those differences mean. The question usually comes from one of three places. Sometimes they are comparing themselves to friends. Sometimes they are worried because they overheard you stress about money. Sometimes they genuinely want to understand how your family work

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

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

Most parents wait until their children are teenagers to start teaching them about money. By then, it is often too late. After 15 years in private banking, advising high-net-worth families managing portfolios worth hundreds of millions, I have observed a pattern that most people never see: the families who successfully transfer wealth across generations start financial education at age three, not age thirteen. Most habits, including money habits form between ages three and s

When my daughter was born, I realized something uncomfortable. I could explain complex trading strategies to investors, but I had no idea how to explain where money comes from to a four year old. Most parents feel this way. You know money matters. You want your children to be financially confident. But where do you even start? This made me think and write a guide on this topic from a different angle. You will see that the first two conversations are foundational and famil

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.