Category
Pensions
Voluntary National Insurance Contributions for Expats: Building Your State Pension
How expats can fill NI gaps with voluntary Class 2 and Class 3 contributions, the cost-benefit calculation, deadlines for backdating, and why this is often the best risk-free return available.
Read article →PensionsAnnuity Rates in 2026: Should You Lock In Now?
Annuity rates are materially better than they were in 2021. Here is what drives rates, what you can get, and whether now is a good time to buy.
Read article →PensionsDefined Benefit Pensions in Divorce: Valuation, Orders, and the CETV Problem
Defined benefit pensions are frequently the largest asset in a divorce — yet they are also the most misunderstood and most frequently undervalued. This guide explains pension sharing orders, CETV accuracy issues, actuarial reports, and the impact on internationally mobile couples.
Read article →PensionsPension Sharing on Divorce: A Comprehensive Guide for HNW Individuals
Pensions are frequently the largest financial asset in a marriage — yet they are consistently undervalued and under-considered in divorce proceedings. This guide covers pension sharing orders, DB scheme complexities, and the QROPS complication for internationally mobile individuals.
Read article →PensionsSIPPs for Sophisticated Investors: Permitted Investments, Borrowing, and Commercial Property
A Self-Invested Personal Pension offers the widest investment choice within the pension wrapper — but permitted investments have specific rules, borrowing is capped, and commercial property in a SIPP carries particular complexity. We set out the key rules.
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