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

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.