Insights & research
Articles from our advisory team
Healthcare Planning for Internationally Mobile Individuals: A Complete Guide
Healthcare is often the first practical concern for individuals relocating abroad — and with good reason. The NHS does not follow you overseas, and a serious medical event without adequate international health cover can be financially catastrophic. This guide covers everything internationally mobile individuals need to know.
Read article →Expat LifeHealthcare in Retirement Abroad: Costs, Insurance and Planning
Healthcare is one of the largest and most underestimated retirement expenses for expats — a guide to understanding costs, choosing insurance, and building it into your financial plan.
Read article →InvestmentsHedge Funds for HNW Investors: Strategies, Access, and Due Diligence
Hedge funds promise absolute returns and diversification uncorrelated to traditional markets. The reality is more nuanced: a small number deliver on that promise consistently, many do not, and access to the best funds is itself a competitive challenge for investors. This guide explains how to approach the hedge fund universe intelligently.
Read article →InvestmentsHedge Fund Strategies for HNW Investors: A Practical Overview
Hedge funds remain among the most sophisticated investment vehicles available to high-net-worth investors — this guide demystifies the main strategies, fees, and access routes.
Read article →Financial PlanningFinancial Planning for High Earners: Making the Most of a Large Salary
Financial planning strategies for high earners — senior executives, professionals, bankers, and company directors earning £150,000+: pension contributions, salary sacrifice, bonus planning, share schemes, and building wealth beyond your salary.
Read article →Wealth ManagementInsurance for HNW Individuals: What Standard Policies Don't Cover
A guide to specialist insurance for high-net-worth individuals, covering high-value home, art collections, personal liability, kidnap and ransom, and cyber insurance — and why standard policies are typically inadequate.
Read article →Property InvestmentHouses in Multiple Occupation (HMO) as Investment: A Guide
HMOs offer higher rental yields than standard buy-to-let but carry greater management complexity, regulatory requirements, and financing challenges — this guide examines whether they are worth it.
Read article →Property InvestmentHouses in Multiple Occupation (HMO) as an Investment Strategy: A 2026 Guide
How HMO property investment works, the licensing and compliance requirements, expected yields, and whether it suits expat and international investors.
Read article →Tax PlanningNon-Resident Landlord Scheme: HMRC Rules Explained
A detailed explanation of how HMRC's Non-Resident Landlord Scheme works, who it applies to, how to apply for gross payment, and how to manage the resulting UK tax obligations.
Read article →Tax PlanningHMRC's Requirement to Correct (RTC): The Final Deadline and Its Legacy
The Requirement to Correct deadline of 30 September 2018 created a new tier of 'failure to correct' penalties for undisclosed offshore liabilities — understanding its legacy is essential for anyone with historical offshore tax issues.
Read article →Tax PlanningHMRC Residence Enquiries: What Triggers Them and How to Respond
Understanding what prompts HMRC to open a formal enquiry into your UK residence status, and how to defend your position effectively.
Read article →Tax PlanningHMRC Self-Assessment: Deadlines, Penalties and Complete Guide for 2026
Who needs to file a UK Self-Assessment tax return, what the key deadlines are, how penalties are calculated for late filing and payment, and how to manage your payments on account correctly.
Read article →Tax PlanningHMRC Disclosure Facilities: Worldwide Disclosure Facility Guide
The Worldwide Disclosure Facility allows individuals with undisclosed UK tax liabilities arising from offshore matters to come forward voluntarily and reduce their penalties — this guide explains how it works.
Read article →Tax PlanningUK Holding Company Structures: A Guide for International Business Owners
How UK holding company structures work: group relief, the dividend exemption, participation exemption on share disposals, offshore holding alternatives, and using holdcos for inheritance planning.
Read article →Expat LifeManaging Ongoing UK Financial Ties After Leaving the UK
Moving to Dubai or Singapore does not end your UK financial life. UK rental income, pensions, bank accounts, SA returns, and company directorships all need ongoing management from abroad.
Read article →Expat LifeLiving in Hong Kong as an Expat: Financial Hub, Banking and Property
Hong Kong's simple territorial tax system, world-class banking infrastructure, and status as Asia's premier financial centre make it a compelling base for internationally mobile professionals — despite significant political and geopolitical changes since 2020.
Read article →RetirementHow Much Do I Need to Retire Abroad?
Calculating your retirement number depends entirely on where you retire and how you live. Here is a framework that works for internationally mobile individuals.
Read article →Financial PlanningHow Much Money Do You Need to Retire Abroad?
The question everyone asks before retiring abroad is: 'Can I afford it?' The answer depends on where you go, what lifestyle you want, and how you structure your income. This guide works through the key numbers and concepts honestly.
Read article →Expat LifeHow to Build Passive Income as an Internationally Mobile Person
Building portable, passive income streams that work across different countries and tax regimes is the financial goal of many internationally mobile people.
Read article →Expat LifeHow to Choose an Expat Financial Adviser: A Complete Guide
Most UK financial advisers are not equipped to advise internationally mobile clients. Here is how to find one who is — and the questions that separate qualified international advisers from those who are not.
Read article →UK PensionsHow to Consolidate Multiple Pension Pots
A scattered collection of small pension pots is expensive, inefficient, and difficult to manage. Here is a practical guide to consolidation — including the traps that catch people out.
Read article →InvestmentsHow to Invest £100,000 Abroad: A Practical Guide
£100,000 is a meaningful sum. Investing it well requires clarity on goals, a tax-efficient structure, and a disciplined approach. Here is a practical framework for international investors.
Read article →Financial PlanningHow to Retire Early Internationally: The FIRE Guide for Global Investors
Financial Independence Retire Early meets geoarbitrage. How internationally mobile professionals can use lower living costs abroad to retire years earlier than they could at home.
Read article →PensionsHow to Transfer a UK Pension Abroad: QROPS, SIPP, and the HMRC Process
Moving a UK pension overseas is one of the most consequential financial decisions an expat can make. Done correctly, a transfer to a Qualifying Recognised Overseas Pension Scheme can deliver significant long-term benefits — done incorrectly, it triggers a 25% Overseas Transfer Charge and years of HMRC complications.
Read article →Speak to a Global Investments adviser
Our independent advisers work with internationally mobile clients on pensions, investments, tax planning, protection, and international financial structures.