Insights & research
Articles from our advisory team
The Ultra-High-Net-Worth Investor: Different Challenges and Solutions
UHNW investors — those with investable assets above $30 million — face distinct challenges around tax complexity, access to opportunities, governance, and the management of non-financial assets.
Read article →Wealth ManagementUnderstanding the Different Types of Financial Adviser — and How to Choose
Not all financial advisers are the same — and the differences matter significantly. Restricted, independent, tied, whole-of-market: understanding what these terms mean, how advisers are paid, and what to look for when you need international financial advice could save you a substantial amount of money.
Read article →InvestmentsLiquidity Risk in Investment Portfolios: What It Means and How to Manage It
Liquidity risk — the inability to sell an investment quickly at a fair price — is one of the most underappreciated risks in private client portfolios. This guide explains how to measure, manage, and plan for liquidity across asset classes.
Read article →InvestmentsUnderstanding Offshore Investment Bonds: A Plain English Guide
An offshore investment bond is one of the most powerful financial tools available to internationally mobile investors — yet it is poorly understood by most people who hold one. This guide explains in plain English what it is, how the tax treatment works, and when it makes sense.
Read article →Tax PlanningThe UK Tax System Explained for Internationally Mobile Individuals
The UK tax system is layered, with income tax, National Insurance, CGT, IHT, and VAT operating under different rules and thresholds. For internationally mobile individuals, understanding which taxes apply — and when — is essential for effective financial planning.
Read article →Wealth ManagementUnderstanding UK Trust Law: A Guide for Internationally Mobile Families
Trusts are among the most flexible and enduring wealth structuring tools available in English law. This guide explains how they work, when they are useful, and the practical considerations for internationally mobile families with assets in multiple jurisdictions.
Read article →Financial PlanningUniversity Fees for Expat Children: UK vs International Tuition Planning
Expat children face significantly higher university fees than UK-resident students — understanding the options and planning well in advance makes university funding manageable rather than crippling.
Read article →Expat LifeFinancial Planning for US Citizens Living Outside the United States
The United States is one of only two countries in the world that taxes citizens on worldwide income regardless of where they live. Understanding this system is essential for every American living abroad.
Read article →InvestmentsOffshore Investment Bonds for Tax Deferral: A Detailed Guide
How offshore investment bonds work as tax deferral vehicles: the 5% cumulative withdrawal facility, top-slicing relief, policyholder gain calculations, IOM vs Dublin wrappers, assignment strategies, and regulatory framework.
Read article →Wealth ManagementUsing Trusts to Protect International Wealth
How trust structures can protect and preserve wealth for internationally mobile families — covering asset protection, estate planning, tax efficiency, and the key planning considerations.
Read article →InvestmentsComparing Major ETF Providers: Vanguard vs iShares vs Invesco and Beyond
The ETF market has consolidated around a handful of dominant providers, each with distinct characteristics. This guide compares Vanguard, iShares, Invesco, SPDR, Xtrackers, and L&G — covering charges, tracking quality, AUM, securities lending, and how to choose.
Read article →InvestmentsVCT Investing: 30% Tax Relief, Tax-Free Dividends, and What to Know
Venture Capital Trusts offer 30% income tax relief, tax-free dividends, and CGT-free gains for investments up to £200,000 per year. They provide a more liquid route to tax-efficient venture investing than direct EIS or SEIS.
Read article →Tax PlanningVenture Capital Trusts (VCTs): The Complete Guide for 2026
VCTs offer 30% income tax relief on subscriptions up to £200,000, tax-free dividends, and CGT-free disposal. They are one of the most tax-efficient investment vehicles for UK higher-rate taxpayers. This guide covers how VCTs work, the different types, the 5-year holding requirement, and how they compare with EIS.
Read article →PensionsVoluntary National Insurance Contributions for Expats: Building Your State Pension
How expats can fill NI gaps with voluntary Class 2 and Class 3 contributions, the cost-benefit calculation, deadlines for backdating, and why this is often the best risk-free return available.
Read article →Wealth ManagementHow Wealthy Do You Need to Be? A Benchmarking Guide
Net worth benchmarks for UK individuals: wealth percentiles, HNWI/VHNWI/UHNWI definitions by Capgemini and Credit Suisse, wealth management industry thresholds, and what financial services unlock at different wealth levels.
Read article →Wealth ManagementWealth Management Fees Explained: How Advisers Charge
Understanding the full cost of wealth management — from adviser fees and platform charges to underlying fund costs — is essential for evaluating whether you are receiving fair value.
Read article →Wealth ManagementHow to Choose a Wealth Manager: The Questions That Matter
Choosing a wealth manager is one of the most consequential financial decisions you will make. The difference between good and mediocre advice, compounded over decades, can be measured in millions. Here are the questions that matter — and the answers that should give you confidence or pause.
Read article →Wealth ManagementProtecting Wealth During Economic, Political, and Currency Crises
Economic crises, currency devaluations, and political upheaval can destroy wealth that took decades to build. This guide draws on historical examples and current strategies to help internationally mobile individuals protect their wealth against extreme but plausible risks.
Read article →Wealth ManagementWealth Structuring for Internationally Mobile Families: An Overview
A practical guide to the core principles, vehicles, and tax considerations that internationally mobile families need to understand when structuring their wealth across multiple jurisdictions.
Read article →Tax PlanningWealth Tax Around the World: Which Countries Still Levy Net Wealth Taxes
A country-by-country review of which nations still impose annual net wealth taxes, the rates and thresholds, and what globally mobile investors need to know about wealth tax exposure.
Read article →Estate PlanningHow to Transfer Wealth Across International Borders
Transferring wealth across international borders is one of the most common requirements of internationally mobile families, yet one of the least well-understood from a financial and legal perspective. Whether sending money to children studying abroad, making a large gift to family in another country, or using a trust structure to distribute assets across generations and jurisdictions, each approach carries specific legal, tax, and practical requirements.
Read article →Wealth ManagementWealthtech in 2026: How Technology Is Changing International Wealth Management
From AI-driven portfolio analytics to instant cross-border payments, wealthtech is reshaping how internationally mobile individuals manage, protect, and grow their assets.
Read article →Wealth ManagementWealthtech Platforms for International Investors: What's Available in 2026
Financial technology has democratised access to investment platforms and reduced costs for retail investors. For internationally mobile HNW individuals, the wealthtech landscape is broader but more complex than for domestic clients.
Read article →Estate PlanningWhat Is a Discretionary Trust? A Plain English Guide
Discretionary trusts are powerful estate planning tools but often poorly understood. Here is a clear explanation of how they work, who they suit, and what they cost.
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.