Insights

Insights & perspective.

Notes from my work at Rosefinch Investment Advisors and US Expat — cross-border life, investment thinking, and the practical side of building a financial life across borders. Personal perspective for informational purposes only; not investment, tax, or legal advice.

Writing

Recent writing

Perspective pieces I write here, alongside articles published by Rosefinch Investment Advisors, on cross-border planning, tax coordination, and investment discipline.

01Sep 28, 2026 · PerspectiveMedicare and Moving Abroad: Make the Decision on PurposeWhat Medicare covers abroad, what dropping Part B costs, why Part D works differently, and how public health cover works in Portugal and Spain.→02Sep 28, 2026 · PerspectiveThe Money Side of Moving Abroad: A 12-Month TimelineThe year before a move, phase by phase, focused on the financial decisions: the departure date and tax clock, accounts, Medicare, Social Security and records.→03Sep 28, 2026 · PerspectiveRetiring Abroad: The Second Sequence RiskMarket order matters once withdrawals start. Retire abroad and currency adds a second sequence. What the research supports, and what I look at.→04Sep 28, 2026 · PerspectiveSocial Security Abroad in 2026: What Changed, and What Still AppliesThe WEP and GPO repeal, plus the rules that still apply to Americans abroad: totalization, proof of life, non-citizen spouses, the 45-hour work test and taxes.→05Sep 28, 2026 · PerspectiveEstate Planning for Americans in Europe: Two Systems, One FamilyThe U.S. taxes the estate; much of Europe taxes the heir. The 2026 exclusion, non-citizen spouses, forced heirship, the EU Succession Regulation and treaties.→06Aug 12, 2026 · Smart investing · RosefinchMarket Noise vs. Financial Signal: A Practical FilterMost financial headlines demand your attention but do not deserve your action — and learning to tell the difference is one of the most valuable investing skills a busy professional can build.→07Aug 7, 2026 · Cross-border tax · RosefinchThe US-UK Tax Treaty Doesn’t Work the Way Most Families ThinkThe treaty between the United States and the United Kingdom prevents most true double taxation — but it does so through mechanics that surprise almost every family the first time they encounter them.→08Jun 17, 2026 · Planning · RosefinchFinancial Independence Is Different When You Have More Than One CountryFor affluent Americans with international ties, financial independence is less about reaching a number and more about building a structure that moves with you.→09Apr 15, 2026 · Planning · RosefinchWhen Financial Plans Assume Stability, But Life Doesn’tMost financial plans rest on a quiet assumption — that you’ll stay in the same country, tax system, and currency. For internationally mobile families, that assumption rarely holds.→

Personal perspective for informational purposes only. Articles marked Rosefinch were published by Rosefinch Investment Advisors. Not investment, tax, or legal advice. Tax and regulatory details reflect the date of publication.

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