Insights & research
Articles from our advisory team
Selling a Business: Financial Planning for the Post-Sale Windfall
Selling a business often delivers the largest single sum most entrepreneurs will ever receive — and the financial decisions made in the first year after completion determine whether that wealth endures.
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.
Read article →InvestmentsCommon Mistakes Self-Directed Investors Make (and How to Avoid Them)
The most expensive mistakes self-directed investors make: home country bias, recency bias, not rebalancing, overlapping funds, chasing performance, ignoring tax wrappers, holding too much cash, over-trading, and following social media tips.
Read article →Tax PlanningUK Self Assessment for Expats: Forms, Deadlines, and Common Errors
The complete guide to UK self-assessment for expats and non-residents: the SA100, SA109 residence pages, SA106 foreign income, non-resident landlord scheme, split-year treatment, overseas workday relief, and the penalty regime.
Read article →InvestmentsSEIS Explained: 50% Tax Relief on Seed-Stage Investing
SEIS offers 50% income tax relief on investments up to £200,000 per year, plus CGT reinvestment relief and loss relief — making it the most generous personal tax relief available in the UK for those willing to back seed-stage businesses.
Read article →Tax PlanningSEIS and EIS: A Guide to the UK's Enterprise Investment Schemes
SEIS and EIS offer exceptional tax reliefs for investing in early-stage UK companies — but these are high-risk investments. Understand both sides before committing capital.
Read article →InvestmentsSegregated Mandates vs Pooled Funds for HNW Investors
HNW investors face a genuine choice between pooled funds and segregated mandates — each offers different advantages in terms of cost, tax efficiency, customisation, and transparency.
Read article →Tax PlanningSection 24 Mortgage Interest Relief: Impact on Expat Landlords
How the removal of full mortgage interest deductibility affects individual buy-to-let landlords, with a particular focus on expats whose overseas income pushes them into higher tax bands.
Read article →Tax PlanningSection 24 Mortgage Interest Relief: Impact on Expat Landlords and Portfolio Investors
How the removal of mortgage interest relief under Section 24 affects higher-rate expat landlords, with worked examples and strategies to mitigate the impact.
Read article →Citizenship & ResidencySecond Passport for Business Travel: Why It Matters and How to Get One
For internationally mobile business people, a second citizenship can unlock dozens of additional visa-free destinations and eliminate weeks of visa friction each year. Here is a pragmatic guide to what works, what it costs, and what the tax implications are.
Read article →Property InvestmentTax Implications of Buying a Second Home Abroad as a UK Resident
Buying a property abroad while remaining UK resident is one of the most common financial decisions British internationally minded individuals make. The tax implications are significant and often misunderstood — covering UK capital gains tax, stamp duty surcharges, rental income tax in two countries, inheritance tax, and the currency dimension.
Read article →Citizenship & ResidencyIs a Second Citizenship Worth the Investment? An Honest Analysis
A second citizenship costs from $200,000 (Caribbean) to over €1 million (Malta EU) depending on the programme. Is it worth it? This guide provides an honest, balanced analysis of the genuine benefits, the real costs, and who actually benefits from holding a second passport.
Read article →Expat LifePaying School Fees: Funding Options, Tax Planning and What They Really Cost
Independent school fees are a major commitment for many HNW families. This guide compares funding options — from current income to investment bonds, trusts and grandparent contributions — and the tax planning around each.
Read article →Market AnalysisInvesting in Saudi Arabia: Vision 2030 and What It Means for Global Investors
Saudi Arabia's Vision 2030 programme is reshaping one of the world's largest economies. We examine the investment themes, accessible routes via UCITS ETFs, and the risks UK and international investors must weigh carefully.
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 →Expat LifeNegotiating Your Expat Compensation Package: What to Ask For and Why
Understanding the components of an expat compensation package — housing, schooling, tax equalisation, flights, and hardship allowances — and how to negotiate effectively when relocating for work.
Read article →Tax PlanningDirector Loan Accounts and Section 455 Tax: A Complete Guide
How overdrawn directors' loan accounts trigger section 455 tax, the nine-month rule, bed-and-breakfasting restrictions, and how to use your DLA efficiently as an owner-managed company director.
Read article →InvestmentsThe Role of Cash in an Investment Portfolio: How Much Is Too Much?
Cash is not a safe investment — it is a guarantee of declining real purchasing power over time, but it plays an important role in a well-structured portfolio when sized and managed correctly.
Read article →Expat LifeRetiring in the UAE: The Retired Resident Visa, Zero Tax, and Financial Planning
The UAE Retired Resident Visa requirements, zero income and inheritance tax, mandatory health insurance costs, DIFC and ADGM Wills registry, and financial planning for retirees in Dubai and Abu Dhabi.
Read article →Expat LifeRetiring in Thailand: Visas, Taxation, Healthcare and the Frozen Pension Problem
Thailand's retirement visa options including the LTR Wealthy Pensioner visa, the 2024 tax rule changes for foreign remittances, healthcare quality, and the critical frozen UK state pension issue.
Read article →Expat LifeRetiring in Spain: A Guide for British Nationals After Brexit
Post-Brexit visa requirements, taxation of UK pensions under the Spain-UK DTA, healthcare, S1 form, inheritance tax, and what the Beckham Law cannot do for retirees.
Read article →Expat LifeRetiring in Portugal: NHR, IFICI, D7 Visa and What Retirees Need to Know
Portugal's IFICI pension tax regime, the D7 Passive Income Visa, healthcare via SNS, the zero inheritance tax advantage, and how Portugal compares to Spain for British retirees.
Read article →Expat LifeRetiring in Greece: The 7% Flat Tax Regime and Your Financial Guide
Greece's 7% flat tax on all foreign-source income for foreign retirees, the D-Visa for non-EU nationals, healthcare through EOPYY, the Golden Visa residency alternative, and inheritance tax in Greece.
Read article →Expat LifeRetiring in Cyprus: Tax, Healthcare, and the Category F Residence Permit
Cyprus's 5% flat tax on foreign pension income, Category F retirement permit requirements, GESY healthcare, property rights for British nationals, and what makes Cyprus a standout retirement destination.
Read article →Speak to a Global Investments adviser
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