Category
Financial Planning
Women and Wealth: The Financial Planning Gender Gap and How to Close It
Women control a growing share of global wealth but continue to face structural gaps in financial planning outcomes. This guide examines the barriers and the practical strategies for closing them.
Read article →Financial PlanningWhy Independent Financial Advice Matters
The word 'independent' in financial services has a specific legal meaning — and most advisers are not independent. Here is why the distinction matters for your financial outcomes.
Read article →Financial PlanningUniversity Fees for Expat Children: UK vs International Tuition Planning
Expat children face significantly higher university fees than UK-resident students — understanding the options and planning well in advance makes university funding manageable rather than crippling.
Read article →Financial PlanningThe 10 Most Common Financial Mistakes Expats Make
Most expat financial mistakes are avoidable — but they are remarkably common. Here are the ten we see most often and what to do instead.
Read article →Financial PlanningSustainable Withdrawal Rate in Retirement: How Much Can You Safely Spend?
How much of your retirement portfolio can you withdraw each year without running out of money? This guide covers the evidence on sustainable withdrawal rates, UK-specific considerations, sequencing risk, and how to build a resilient retirement income strategy.
Read article →Financial PlanningSustainable Retirement: Balancing Income, Inflation and Longevity Risk
The three forces most likely to undermine a retirement income plan are running out of money, inflation eroding purchasing power, and living longer than expected — here is how to address all three.
Read article →Financial PlanningFinancial Planning for Internationally Mobile Sports Professionals
A sports professional's career lasts 10-15 years. The financial decisions made during those years determine security for the remaining 50+ years of their life. Here is the planning framework they need.
Read article →Financial PlanningSequence of Returns Risk: The Biggest Threat to Early Retirees
Why the order of investment returns matters more than average returns in retirement, and how internationally mobile early retirees can protect against the most dangerous risk they face.
Read article →Financial PlanningFinancial Planning for the Sandwich Generation: Supporting Parents and Children
The sandwich generation faces the dual financial pressure of supporting ageing parents and raising or educating children simultaneously — strategic planning prevents personal financial sacrifice.
Read article →Financial PlanningThe Retirement Planning Mistakes International Investors Make Most Often
After 32 years of advising internationally mobile retirees, we have observed the same mistakes arising again and again — here is how to avoid them.
Read article →Financial PlanningRetirement Income Sequencing: How to Draw Down Wealth Efficiently Across Borders
How internationally mobile retirees should sequence withdrawals from pensions, ISAs, investment accounts, and property: tax-efficient ordering, sequence-of-returns risk, and multi-currency income planning.
Read article →Financial PlanningOptimal Director Remuneration Planning in 2025/26
How to structure director pay in 2025/26: the low salary/high dividend model, National Minimum Wage for NI credit, pension via employer contributions, salary sacrifice, benefits in kind, and year-end tax planning for owner-managers.
Read article →Financial PlanningBehavioural Finance: The Psychological Biases That Cost Investors Money
Even the most financially sophisticated investors are susceptible to psychological biases that destroy returns. Understanding and correcting for these biases is among the highest-value work in wealth management.
Read article →Financial PlanningProtecting Your Assets Before Marriage Abroad: Prenuptial Agreements and Financial Planning
How internationally mobile HNW individuals can protect their assets before marriage: prenuptial agreements across jurisdictions, community property regimes, financial disclosure, and protecting inherited wealth and business interests.
Read article →Financial PlanningProperty vs Pension: Which Builds More Wealth for Expats?
An honest, evidence-based comparison of property investment and pension contributions as wealth-building strategies for internationally mobile professionals and expats.
Read article →Financial PlanningUK Probate: The Process, Costs, and Timeline for Families
A practical guide to the UK probate process for executors and families: when probate is needed, how to apply, IHT payments before probate, overseas assets, costs, and the digital estate.
Read article →Financial PlanningThe Full Cost of Private Wealth Management: A Complete Breakdown
Total cost of wealth management explained: DFM fees, adviser charges, platform fees, fund charges, and transaction costs. A framework for assessing value for money and how to negotiate — or change provider.
Read article →Financial PlanningPreparing Financially for a Move Abroad: The Complete Pre-Departure Checklist
The financial to-do list before moving abroad is longer than most people realise. Miss an item and the consequences can be costly. Here is the complete pre-departure checklist.
Read article →Financial PlanningPre-Retirement Financial Planning: The Five-Year Countdown Checklist
The five years before retirement are the most critical for financial preparation — the decisions made in this window have more impact on retirement security than almost anything done before.
Read article →Financial PlanningPowers of Attorney for Internationally Mobile Families
Why powers of attorney are essential for international families, how different jurisdictions handle them, and how to ensure your financial and personal affairs can be managed if you lose capacity abroad.
Read article →Financial PlanningHow to Build a Sustainable Retirement Income as an Expat
Building a retirement income that lasts 30+ years, in multiple currencies, across potentially several countries, requires more planning than a straightforward UK retirement. This guide covers all the key income sources and how to sequence them efficiently.
Read article →Financial PlanningPension Income in Multiple Currencies: Managing FX Risk in Retirement
When your pension pays in sterling but you spend in euros, dirhams, or baht, currency movements can significantly affect your standard of living — here is how to manage this risk in retirement.
Read article →Financial PlanningOffshore Portfolio Bonds: How They Work for International Investors
Offshore portfolio bonds are tax-deferred investment wrappers widely used by internationally mobile HNW investors — understanding how they work, their tax advantages, and their limitations is essential.
Read article →Financial PlanningUsing Offshore Bonds to Fund School and University Fees
Offshore investment bonds have specific features that make them well-suited to long-term education funding — particularly for parents who are higher or additional rate taxpayers. Here is how the structure works and when it makes financial sense.
Read article →Get personalised insights from our advisory team
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