As a Financial adviser with a duty of care to my clients, I have a responsibility to understand how the changes in tax legislation will affect them. When the Box 3 bridging legislation was first introduced, the changes to taxation left me in a state of disbelief. It appeared they hadn’t given any thought whatsoever as to the consequences. Box 3 is the Netherlands very unique system of taxing capital growth. Most countries tax realised growth; once an asset is sold a proportio

Moving abroad is an exciting adventure, but it comes with its own set of financial challenges. When I first relocated from the UK, I quickly realised that managing money overseas is not as straightforward as it seems. Currency fluctuations, tax complexities, and unfamiliar banking systems can all create hurdles. However, with the right approach and knowledge, these obstacles can be overcome effectively. In this post, I will share practical advice and insights to help you navi

Moving abroad brings exciting opportunities and new experiences. However, it also introduces a unique set of financial challenges. I’ve faced these hurdles myself and learned valuable lessons along the way. This guide shares practical advice to help you navigate the complex financial landscape as an expat. Whether you’re relocating for work, family, or adventure, understanding these challenges and how to overcome them is essential for securing your financial future. Understan

In economics, there is a concept known as the Principal Agent Problem. It describes an uncomfortable reality: what happens when the person you hire (the agent) has different incentives than you (the principal)? Think of a real estate agent. You want to sell your house for the highest possible price, even if it takes many months. For the agent, however, while a higher price would increase his earnings slightly, it increases his cost a lot and he would be better off if he were

(This was originally submitted to and published on Dutch News. After realising I hadn't written an article on the website in 3 months I...

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