Insights & research
Articles from our advisory team
Shareholder Protection Insurance: Why Business Co-Owners Cannot Afford to Ignore It
When a co-shareholder dies or becomes critically ill, the consequences for a business can be severe. Shareholder protection insurance, combined with a cross-option agreement, ensures the right people own the business — and at a fair price.
Read article →InvestmentsShort Selling Explained: Mechanics, Risks, and Strategies for Informed Investors
Short selling — profiting from falling share prices — is widely misunderstood and frequently misrepresented. This guide explains the mechanics, the risks, FCA reporting rules, the GameStop short squeeze, and how ordinary investors can access short exposure through ETFs.
Read article →Property InvestmentShort-Term Rentals and Holiday Lets: Investment Guide for 2026
The Furnished Holiday Letting regime was abolished in April 2025, fundamentally changing the tax case for Airbnb and holiday let investment. We examine what changed, how gross yields compare to net, market saturation risks, and the overseas holiday let opportunity.
Read article →InvestmentsSilver and Platinum as Investments: Industrial Demand Meets Safe Haven Appeal
Silver and platinum offer internationally mobile investors exposure to precious metals with additional industrial demand drivers — but both carry higher volatility than gold and require different analytical frameworks.
Read article →Expat LifeLiving in Singapore as an Expat: Wealth Planning and the Financial Hub
Singapore's status as Asia's premier financial hub, combined with low personal taxes and a well-regulated banking sector, makes it one of the world's most attractive bases for internationally mobile wealth planning.
Read article →Expat LifeSingapore as a Financial Planning Base: MAS Regulation and Tax Efficiency
Why Singapore has established itself as Asia's premier financial centre, covering its tax system, MAS-regulated wealth management sector, residency options, and considerations for international investors.
Read article →Wealth ManagementSingle Family Office vs Multi-Family Office: What Ultra-HNW Individuals Need to Know
For ultra-high-net-worth individuals and families, choosing between a single family office and a multi-family office is a foundational wealth management decision with lasting structural consequences.
Read article →PensionsProperty Investment in Your Pension: SIPP and SSAS Rules Explained
A detailed guide to holding commercial property within a SIPP or SSAS pension — covering what is permitted, the tax advantages, the prohibited property rules and key practical considerations.
Read article →InvestmentsSmart Beta and Factor ETFs: Beyond Simple Index Tracking
Smart beta ETFs occupy the middle ground between passive index tracking and active management — they follow rules-based strategies designed to capture persistent return premiums identified by academic research.
Read article →Tax PlanningSmart Tax Planning for High Earners: The £100k-£500k Income Guide for 2026
High earners between £100,000 and £500,000 face some of the most punishing effective marginal tax rates in the UK system — including the 60% effective rate on income between £100,000 and £125,140. This guide explains the traps and the planning strategies to manage them.
Read article →Tax PlanningSmart Use of UK Annual Allowances: A Year-End Tax Planning Guide
The UK tax system offers a range of annual allowances that reset each tax year and cannot be carried forward. Used consistently over years, they are among the most powerful tax-free wealth-building tools available. Here is how to use every one of them.
Read article →Expat LifeSocial Security for British Expats: What You Keep, What You Lose, and What You Can Claim
Leaving the UK means losing access to some benefits immediately and retaining others. Understanding the full picture of social security entitlement — and how to protect your state pension — is essential planning for any British expat.
Read article →Expat LifeLiving in South Africa as an Expat: Exchange Controls and Pension Exit
South Africa's exchange control system, the formal process for financial emigration, and the treatment of retirement funds on departure are critical planning areas for expats — both those arriving and those preparing to leave.
Read article →Market AnalysisSovereign Bonds: A Guide for International Investors
Sovereign bonds — government debt — are among the most widely held assets in the world. For internationally mobile investors, they offer currency diversification, capital preservation, and a reliable income stream. This guide explains how they work, the key markets, and how to use them effectively.
Read article →Market AnalysisSovereign Wealth Funds: How Government Investment Vehicles Shape Global Markets
Sovereign Wealth Funds collectively manage over $15 trillion — more than all hedge funds combined. Their investment decisions shape global property, equity, and bond markets. This guide explains what SWFs are, how the largest ones work, and what their strategies mean for private investors.
Read article →Expat LifeLiving in Spain as an Expat: Beckham Law, Pensions and Property
Spain offers one of Europe's most generous special tax regimes for incoming expats — the Beckham Law — alongside strong property markets, a quality lifestyle, and important planning considerations for pensions and UK obligations.
Read article →Expat LifeSpain's Non-Lucrative Visa for British Retirees: The Complete Financial Guide for 2026
The Non-Lucrative Visa remains the main route for British retirees moving to Spain. This guide covers income requirements, Spanish tax on UK pensions and investments, healthcare, and the most popular regions.
Read article →Property InvestmentSpanish Property Investment: Costa del Sol vs Barcelona — A Guide for International Buyers
A comparative analysis of Spain's two most popular property investment markets — the Costa del Sol and Barcelona — covering prices, yields, transaction costs, tax rules and market risks in 2026.
Read article →Property InvestmentSpain Property Market 2026: A Guide for International Buyers
Spain property in 2026: regional price comparisons across Costa del Sol, Barcelona, Madrid, and Valencia; non-resident tax rules; NIE process; mortgage access post-Brexit; and tightening short-let regulations.
Read article →Tax PlanningSpain's Beckham Law Explained: The Special Expatriate Tax Regime in 2026
Spain's Régimen Especial de Trabajadores Desplazados — the Beckham Law — explained: 24% flat rate for six years, the 2023 reforms extending it to the self-employed and digital nomads, the application process, and how to maintain eligibility.
Read article →Tax PlanningSpanish Tax for British Expats After Brexit: A Complete Guide
Spain remains a top destination for British expats, but the tax picture has grown more complex since Brexit. A comprehensive guide to Spanish tax for UK nationals in 2026.
Read article →Tax PlanningSplit Year Treatment: How It Works for Leavers and Arrivers
Split year treatment divides your UK tax year into a resident and non-resident part — understanding the eight cases that trigger it is essential for expats leaving or arriving in the UK.
Read article →Wealth ManagementSpousal Bypass Trusts and Pension Death Benefits: A Planning Guide
How spousal bypass trusts work to pass pension death benefits outside the estate, the post-April 2027 IHT changes to pension death benefits, the difference from life insurance trusts, and trustee obligations under the Trust Registration Service.
Read article →Property InvestmentSPVs and Offshore Structures for Property Investment: What You Need to Know
A practical guide to Special Purpose Vehicles and offshore holding structures for property investors: how SPVs work, tax treatment, ATED, offshore company ownership of UK property, and the post-2017 non-dom rule changes.
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