Insights & research
Articles from our advisory team
How the Wealthy Protect and Grow Assets Across Borders
A detailed look at the strategies, structures, and philosophies that high-net-worth individuals use to build, protect, and transfer wealth across multiple jurisdictions.
Read article →Tax PlanningIHT Nil Rate Bands: How to Maximise Your Inheritance Tax Exemptions
The UK nil rate band and residence nil rate band together give married couples potential IHT thresholds of up to £1 million — but the rules are complex, especially the residence NRB taper and transferability provisions. This guide explains how to make the most of these exemptions.
Read article →Tax PlanningUK Inheritance Tax on Overseas Property and Assets
Owning property abroad doesn't exempt it from UK IHT. For UK-domiciled individuals, overseas assets are fully within the IHT net — with no treaty protection in most countries.
Read article →Tax PlanningUK Inheritance Tax Planning in 2026: What Has Changed and What Still Works
UK IHT in 2026: non-dom reform, the pension IHT change from 2027, the frozen nil-rate band, and planning opportunities that still exist.
Read article →Tax PlanningEmergency IHT Planning When Health Is Failing: What Can — and Cannot — Be Done
When a loved one's health is deteriorating, there are still legitimate steps that can reduce the IHT burden on their estate. This guide covers what remains possible, and what does not work, when time is short.
Read article →InvestmentsImpact Bonds and Green Finance: A Guide for International Investors
Green bonds, social bonds, and sustainability-linked instruments have grown into a multi-trillion-dollar global market — with genuine opportunities and significant complexity for discerning international investors.
Read article →InvestmentsImpact Investing: Aligning Wealth With Values
Impact investing seeks measurable social or environmental outcomes alongside financial returns — but separating genuine impact from greenwashing requires rigorous due diligence.
Read article →InvestmentsImpact Investing Vehicles: From Social Bonds to B-Corps
Impact investing is more than ESG screens and good intentions. A growing range of specific investment vehicles — social impact bonds, green bonds, CDFIs, and listed impact funds — offer measurable outcomes alongside financial returns. Here is how each works.
Read article →PensionsAnnuity vs Income Drawdown in 2026: Which Is Right for Your Retirement?
The post-2022 rate rises have made annuities genuinely competitive again for the first time in a decade. We compare current annuity rates against drawdown return assumptions, examine break-even analysis, enhanced annuities, and blended strategies.
Read article →Tax PlanningIncome Tax for Employees in 2026: PAYE, Bands, NI and Planning Guide
A comprehensive guide to how UK income tax works for employees in 2026: PAYE, income tax bands and rates, National Insurance changes, tax codes, benefits in kind, and the key planning steps for higher earners.
Read article →InvestmentsIndex Fund Investing: The Evidence for Passive Management
The empirical case for index fund investing is among the strongest in finance — decades of data show that most active managers underperform their benchmarks after fees, and the gap compounds dramatically over time.
Read article →Market AnalysisIndia as an Investment Destination: Opportunities and Risks for UK Investors in 2026
India's GDP is forecast to grow at 6–7% annually through the decade, making it one of the most compelling emerging-market stories. Here is what UK-based investors need to understand before allocating capital.
Read article →RetirementHow Inflation Erodes Retirement Savings — and What to Do About It
Inflation silently erodes purchasing power over retirement. For internationally mobile individuals drawing income across borders, the inflation picture is particularly complex. Here is the framework.
Read article →InvestmentsInflation-Proofing a Global Investment Portfolio
With inflation remaining structurally elevated in many economies as of 2026, building a portfolio that preserves real purchasing power across currencies and jurisdictions is a priority for global investors.
Read article →Financial PlanningInflation-Proofing Your Retirement Income: Strategies That Work
Inflation is the silent destroyer of retirement purchasing power — a practical guide to building a retirement income that maintains its real value over decades.
Read article →InvestmentsInfrastructure Investing: Roads, Airports, and Energy Assets
Infrastructure investments in physical assets offer HNW investors inflation-linked income, genuine portfolio diversification, and exposure to the global energy transition — but the access routes and risks differ substantially from conventional assets.
Read article →Wealth ManagementWhy Estate Planning Shouldn't Wait Until You're Old: A Guide for Your 40s and 50s
The case for acting on estate planning now: dying intestate, digital assets, life insurance before health changes, pension nominations, lasting powers of attorney at 40 versus 70, and how IHT liability grows with inaction.
Read article →Wealth ManagementInheritance Planning While Drawing Retirement Income: Having Your Cake and Eating It
Many retirees assume they must choose between maximising their income and leaving a meaningful estate — but with careful planning, both objectives can often be achieved simultaneously.
Read article →Tax PlanningIHT Planning for Non-Domiciled Individuals After April 2025
The abolition of domicile-based IHT from April 2025 creates new urgency for non-doms approaching 10 years of UK residence. Here is what still works — and what has changed.
Read article →Tax PlanningBusiness Property Relief: The IHT Exemption for Business Owners
A comprehensive guide to Business Property Relief (BPR): how it works, what assets qualify, the 2-year ownership rule, the trading requirement, AIM portfolios, and the significant changes introduced in the Autumn Budget 2024.
Read article →Tax PlanningIHT Gifting Rules Explained: PETs, Exempt Transfers, and CLTs
Gifting is one of the most accessible IHT planning tools — but the rules are more complex than many people realise. This guide explains potentially exempt transfers, the full range of annual exemptions, chargeable lifetime transfers, taper relief, gifts with reservation of benefit, and the LIFO ordering rules.
Read article →Tax PlanningInheritance Tax on UK Pensions from April 2027: What You Need to Know
The inclusion of pension funds in the IHT estate from April 2027 is one of the most significant pension planning changes in decades. Here is what it means and how to respond.
Read article →Tax PlanningInheritance Tax Planning for UK Nationals Living Abroad
How UK inheritance tax applies to British nationals who have moved overseas, and the planning strategies available to reduce exposure for internationally mobile families.
Read article →Financial PlanningWhat to Do When You Receive a Significant Inheritance
A significant inheritance transforms your financial position — but decisions made under emotional stress can have 30-year consequences. Here is the right sequence for managing a windfall.
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.