US – Topi is a skincare brand designed to protect the skin from different climatic conditions.

The brand, which positions itself as ethically and sustainably sourced, was launched with two vegan serums targeted at holidaymakers – its Sun Serum and Snow Serum. Each contains botanical ingredients to form a protective barrier on the surface of the skin, working against the skin aggressors that occur in these juxtaposing climates.

When creating the brand, Topi’s founders considered the impact of both indoor and outdoor conditions found while travelling, such as heating, air conditioning, pollution, LED screens and aeroplane environments. ‘I’ve always had an interest in medicinal botanicals,’ says Quentin Smith, co-founder of Topi. ‘[So] I wanted to find other ways of using them that made sense for how I like to care for my skin and interact with my environment on a day-to-day basis.’

In our forthcoming Beauty, Health and Wellness Forum, we’ll examine the effects of our surroundings and the environment on our overall wellbeing. Tickets are available to buy here.

US citizens generally think they will get richer, according to a recent study by YouGov.

Almost half of Americans (48%) say they’re going to accumulate more capital, while nearly one in five (19%) believe they will become ‘much richer’. By contrast, three in 10 think their circumstances are likely to remain stagnant, while 16% say they are more likely to become poorer.

The research also found that those who are already wealthy are the most likely to expect to get richer, with more than three in five Americans earning over £70.5k ($100k, €82k) in gross personal income anticipating that they’ll become wealthier. This compares to just over two in five of those earning under £35.2k ($50k, €41k).

To discover more about how fintech brands are supporting consumers with asset management, look out for our forthcoming interview with Diem.