Insights & research
Articles from our advisory team
IHT 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 PlanningUsing IHT Annual Exemptions: A Practical Gifting Guide
The UK's IHT annual exemptions allow you to give away money completely free of inheritance tax — yet many people never use them. This guide explains every exemption available, how to combine them, and why a systematic gifting programme can save your family tens of thousands of pounds.
Read article →Wealth ManagementHow 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 →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 →Wealth ManagementHow to Structure Wealth for the Next Generation
Building wealth is one challenge; preserving and transferring it across generations is another. This guide provides a practical framework for families thinking about multi-generational wealth — covering structures, governance, family councils, and the transition from wealth creator to wealth steward.
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 →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 →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 →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 →Financial PlanningHow to Choose a Financial Adviser Abroad
Finding a trustworthy financial adviser when you are living abroad is one of the most important financial decisions an expat can make. Know what to look for — and what to avoid.
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 →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 →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 →Market AnalysisHow Interest Rates Affect Your Investments: A Complete Guide
Interest rate decisions are among the most powerful forces acting on investment portfolios. Understanding how rates flow through to different asset classes is essential for any informed investor.
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 →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 →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 →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 →Market AnalysisHow to Invest in an Elevated Inflation Environment
The experience of 2022-2024 taught investors that inflation can return abruptly and stay for longer than expected. Building a portfolio that is resilient to sustained inflation requires deliberate positioning — not just hoping it goes away.
Read article →InvestmentsHow Interest Rates Affect Your Bond Portfolio
Bond investors in 2022 experienced some of the worst annual losses in history. Understanding why — and how to manage rate sensitivity — is essential for any investor with fixed income in their portfolio.
Read article →Wealth ManagementHow Currency Movements Affect International Wealth — and What to Do About It
Currency risk is invisible until it isn't. For an internationally mobile investor, a 10% move in GBP/EUR is a 10% change in purchasing power — not a paper figure, but a real difference in what your money buys. Managing currency exposure is one of the most important and most neglected aspects of international financial planning.
Read article →InvestmentsHow Bond Funds Work: A Plain English Guide
Bond funds are one of the most widely held investment types — and one of the most commonly misunderstood. Here is a clear explanation of how they actually work.
Read article →RetirementHow to Transfer Your UK Pension to an International SIPP
A UK pension transfer to an International SIPP is not an investment decision. It is a structural adjustment that determines how your retirement capital is positioned in relation to where you live, how you earn, and how you intend to retire. Most UK pensions are designed around a simple assumption: t
Read article →News & UpdatesHow Trade Wars Are Affecting the Global Financial Markets
Explore how trade wars are affecting the market in 2025, fueling volatility, investor uncertainty, and shifting global strategies.
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.