Insights & research
Articles from our advisory team
How to Protect Your Wealth Against Inflation in 2026
Inflation erodes wealth quietly and persistently. The long-run evidence on which assets protect purchasing power — and which do not — is clear, and it is not always what investors expect. Here is a practical framework for protecting real wealth in 2026.
Read article →InvestmentsThe Case for Portfolio Rebalancing: Evidence, Methods, and Tax-Smart Execution
Portfolio rebalancing is one of the few truly free lunches in investing — it systematically sells high and buys low, reduces risk, and in certain conditions improves returns. Here is how to do it well.
Read article →InvestmentsPortfolio Concentration Risk: When Diversification Fails
Diversification is the closest thing finance has to a free lunch — but it can fail in ways investors do not expect, particularly when assets that appear uncorrelated suddenly move together during a crisis.
Read article →InvestmentsPortfolio Bonds vs ISAs vs Pension: Which Wrapper Wins Abroad?
A structured comparison of the three main UK tax-efficient wrappers — portfolio bonds, ISAs, and pensions — for investors who have moved abroad or are planning to.
Read article →Tax PlanningPortfolio Bonds for International Clients: Tax Efficiency and Planning
A comprehensive guide to portfolio bonds (offshore investment bonds) for internationally mobile clients — how they work, their tax advantages, and how they fit into international financial planning.
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 →News & UpdatesHow to Pivot Your Portfolio as the Energy Shock of 2026 Resets Global Markets
The first four months of 2026 have rewritten the assumptions most investors carried into the year. By early March, a market that had entered January expecting modest oil oversupply, falling inflation, and a continuation of the AI-led equity rally was instead absorbing the largest oil supply shock ev
Read article →Wealth ManagementPhilanthropy Structures for HNW International Clients
High-net-worth international clients have a range of philanthropy structures available — from donor-advised funds to private foundations — each with different tax, governance, and impact implications.
Read article →Wealth ManagementDonor Advised Funds and Strategic Philanthropy for HNW Individuals
Donor Advised Funds are the most tax-efficient giving vehicle for HNW individuals in the US, and UK equivalents exist through Charities Aid Foundation. This guide covers how to give more, give smarter, and integrate philanthropy into your broader financial plan.
Read article →Wealth ManagementSetting Up a Charitable Foundation: A Guide for HNW Families
For high-net-worth families with a genuine commitment to giving, a charitable foundation can formalise philanthropic activity, deliver significant tax efficiency, and engage future generations. Understanding the options is the starting point.
Read article →Tax PlanningTax-Efficient Charitable Giving: A Complete Guide for High-Net-Worth Donors
Charitable giving is not just about impact — with the right structure, it can also deliver significant tax efficiency. Here is how to give effectively while minimising your tax burden.
Read article →InvestmentsPrivate Equity for Individual Investors: What You Actually Need to Know
Private equity has historically outperformed public markets over long horizons — but the illiquidity, fees, and access challenges mean individuals need to understand what they're getting into.
Read article →News & UpdatesPortugal's New Nationality Law Paused for Court Review
Portugal’s new nationality law has been temporarily paused. The legislation, passed in late October 2025, aimed to extend the residency requirement for citizenship from 5 years to up to 10 years. But after pushback from lawmakers and legal experts, the country’s Constitutional Court is now reviewing
Read article →Tax PlanningPFIC Rules and ETFs: The US Tax Trap That Catches Expat Investors
US citizens and Green Card holders investing in UCITS ETFs or offshore funds abroad face punitive PFIC tax rules — understanding the options can save tens of thousands in unnecessary tax.
Read article →Tax PlanningPFIC Rules Explained: A Practical Guide for US Expats Investing Internationally
US citizens living abroad face severe tax penalties if they invest in foreign mutual funds or offshore structures classified as PFICs — understanding the rules is essential.
Read article →PensionsUsing Pensions for Inheritance Tax Planning (Post-2027 Changes)
How the April 2027 changes bringing pensions into the IHT net affect estate planning for UK expats and HNW individuals, and the revised strategies available.
Read article →PensionsPension or Investment Property: Which Builds More Wealth?
The pension versus property debate is one of the most enduring in personal finance. The honest answer is nuanced — pensions typically outperform on a pure returns basis when tax relief is accounted for, while property offers leverage and tangibility. For expats, additional factors complicate the picture further.
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 →PensionsPlanning with Legacy Lifetime Allowance Protections After April 2024
The Lifetime Allowance was abolished in April 2024 — but legacy protections still matter. They affect the Lump Sum and Death Benefit Allowance, QROPS transfers, and tax on overseas pension transfers. Here is what protection holders need to understand.
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 →Tax PlanningPension IHT Reform 2027: What It Means and How to Plan Now
From April 2027, unused pension funds will form part of a UK estate for inheritance tax purposes. This is one of the most significant pension changes in a generation. Here is what it means for your planning and what you can still do before the change takes effect.
Read article →UK PensionsPension Drawdown Strategy for Expats
Drawing an income from your pension while living abroad involves multiple layers of complexity. A practical guide to the key decisions and risks.
Read article →Wealth ManagementThe Multi-Jurisdictional Playbook: How Families Actually Protect Wealth Across Borders
The wealth expatriation playbook the wealthy actually use to protect capital across borders — separating residency from asset-holding, combining jurisdictions by role, and staying fully compliant.
Read article →PensionsPension Death Benefits: Planning for What Happens When You Die
Pensions have historically been one of the most IHT-efficient assets you can hold. That is changing from April 2027. Understanding the current rules, the forthcoming changes, and the actions available now is essential planning for any pension holder.
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.