Before we start delving into products, strategies, or what is going on in the markets, it seems prudent to explain why I do what I do.
Migrating is hard, there is no need to describe it because those who have done it know it. Priorities change and boil down to being grateful, adapting, and seeking to succeed. In the beginning, study or work is everything; any spare time goes to the family and, if possible, to rest and recreation. Whether you get to study, work as an employee or as an entrepreneur, those who migrate know that there is no room for failure and that is why you must put effort into it, learning quickly to close the gaps. And that is the way things are for a while, usually longer than you anticipated. However, eventually we stabilize, we stop to see the road traveled and it is at that point that we wonder how we are doing.
On the other hand, migrating to a developed country implies discovering that things can be much simpler, but also that development entails greater complexity in certain aspects to which we were not accustomed. For example, the diversity of products available, and the number of laws and regulations, to name a couple of them.
Those who migrated as adults take with them a certain culture, ideas, and preconceptions that they must adapt to the new reality. The idea that concerns us now is the concept of financial planning. In this country, more than in others, the prevailing concept is that everyone must take care of themselves, and, for that same reason, there is an immense variety of products, sometimes under different regulatory frameworks, which allow achieving the same objective.
So, if on the one hand we combine a long period where the priority has been to settle down and raise a family, and on the other hand some frames of reference and operation very different from those that are familiar to us, we can expect that some people might feel anxious when trying to answer the question: how are we doing?
It is at that point that an expert and trusted advisor can make a significant difference by explaining and guiding the changes to get to a financial situation suitable for current and future needs. While it would have been ideal to have some planning and order from the beginning, it is never too late to adjust and improve the situation.
I do what I do because the type of work I have had since migrating led me to study and understand this new frame of reference and how financial products operate, putting me in an advantageous position to be able to help others who did not have that opportunity.