by SJB Global | Oct 21, 2024 | Advice, North America, Randal Stephens, Regulations, Tax
As a financial advisor, I frequently encounter clients who are blindsided by the realization that they are accidental Americans and face unexpected U.S. tax obligations. American citizenship, while offering numerous benefits, comes with significant tax...
by SJB Global | Oct 14, 2024 | Advice, Investments, Randal Stephens
If you’re exploring how to select the best mutual fund for your investments, understanding the role of expense ratios—what you pay to invest in a fund—can be crucial. Research from Morningstar, alongside insights from industry experts like Jack Bogle, suggests...
by SJB Global | Oct 9, 2024 | Advice, Alex Gover, Financial Planning, Regulations
Understanding the 30% Ruling The 30% ruling is a useful tax advantage for highly skilled migrants working in the Netherlands. It allows 30% of your salary to be tax-free, which covers the extra costs associated with living abroad. This ruling is generally available...
by SJB Global | Oct 2, 2024 | Advice, Financial Planning, Savings, SJB Global
Living abroad can offer unique financial advantages, including a potentially higher disposable income. However, without a strategic savings plan, this additional income can quickly dissipate. Ensuring that your extra surplus income works harder for you is crucial....
by SJB Global | Sep 30, 2024 | Advice, Financial Planning, Randal Stephens
When it comes to managing finances, it’s common to concentrate primarily on investments. However, true financial well-being involves more than just solid investment returns. A holistic financial advisor takes into account not only your financial status but also...
by SJB Global | Sep 25, 2024 | Advice, Markets, SJB Global
Ever find yourself wondering how those interest rate changes you hear about on the news actually impact your investments? You’re not alone. Interest rates play a pivotal role in the financial markets, and understanding this can help you make smarter investment...
