Insights & research
Articles from our advisory team
Invest in Assisted Living: Unlocking Government-Assured High-Yield Income Opportunities
In the midst of a housing crisis that has the UK grappling with an acute shortage of affordable housing and care facilities for its aging population, investing in assisted living properties emerges as a beacon of opportunity. The sector not only promises investors government-assured, high-yield inco
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 PlanningIHT Gifting Strategy: How to Reduce Your Inheritance Tax Bill Systematically
Gifting is one of the most effective — and underused — IHT mitigation strategies available to UK individuals. This guide covers every exemption, the seven-year rule, and how to structure a sustainable gifting programme.
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 →Estate PlanningInheritance Planning: What to Tell Your Family Before It's Too Late
Estate planning is not just about having a will. It is about ensuring your family can act efficiently when they need to — without hunting for documents, guessing at wishes, or discovering complexity they were never told about. This guide covers the practical conversations and documentation that make the difference.
Read article →Retirement2025 Guide to International SIPPS for Global Expats
An International SIPP (Self‑Invested Personal Pension) offers overseas pension holders the flexibility and control of a UK‑regulated pension without needing to reside within the UK. For those living abroad, it's a compelling alternative—especially in light of regulatory changes to QROPS and QNUPS. T
Read article →Tax PlanningInheritance Planning for Unmarried Couples: Protecting Your Partner
Unmarried couples have none of the IHT or legal protections of married couples. Without careful planning, a partner can be left with a large tax bill, no right of access to accounts, and no legal standing. Here is what to do.
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 →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 →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 →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 →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 →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 →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 →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 →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 →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 →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 →InvestmentsImpact Investing for HNW Individuals: Putting Wealth to Work for Positive Outcomes
Impact investing goes beyond avoiding harm — it actively finances solutions to social and environmental problems. Here is what HNW international investors need to know.
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 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 →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 →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 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 →Speak to a Global Investments adviser
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