Insights & research
Articles from our advisory team
Financial Wellbeing Beyond Net Worth: A Guide for HNW Individuals
The paradox of wealth and happiness, decision fatigue at high net worth, purpose-driven wealth management, philanthropy as meaning-making, next-generation financial education, and when to consider a financial therapist.
Read article →Financial PlanningManaging Sudden Wealth: A Financial Planning Guide for Windfall Recipients
How to manage a large windfall — whether from inheritance, business sale, compensation, or lottery — without making costly mistakes: the right immediate steps, tax planning, investment approach, and the emotional dimension of sudden wealth.
Read article →Financial PlanningFinancial Planning for Professional Sports People: Managing a Short Career
Professional athletes face a unique financial challenge: high income concentrated in a short career, high risk of premature income loss, and 40+ years of life to fund after retirement. Here is how to plan for it.
Read article →Financial PlanningFinancial Planning After a Serious Illness Diagnosis
A serious illness diagnosis forces urgent financial decisions at the worst possible moment — here is what to prioritise, what to avoid, and how to protect your family's financial security.
Read article →Financial PlanningFinancial Planning in Your 60s: Navigating the Transition to Retirement
The critical financial decisions of your 60s: drawdown vs annuity, sequencing risk, bridging to state pension, income tax comparison, estate planning urgency, and protecting against care fee costs.
Read article →Financial PlanningFinancial Planning in Your 50s: The Decade That Defines Your Retirement
Your 50s are the final, highest-stakes window for retirement preparation. This guide covers pension contributions, mortgage decisions, life insurance review, long-term care planning, and building your retirement income picture.
Read article →Financial PlanningFinancial Planning in Your 40s: Peak Earnings and Competing Priorities
Your 40s are a period of high earnings and high demands. This guide covers pension maximisation, the protection gap, school fees, property equity, trust planning, and calculating your financial independence number.
Read article →Financial PlanningFinancial Planning for Startup Founders and Tech Entrepreneurs
Startup founders have most of their wealth on paper, little cash, and big financial planning blind spots. Here is how to build a sound financial plan around your startup.
Read article →Financial PlanningFinancial Planning for Professional Athletes and Sportspeople
A professional footballer may earn in five years what most people earn in a lifetime — but that income must fund 50+ years of post-career life. This guide covers pensions, tax residency, image rights, career transition planning, and the most common financial mistakes sports professionals make.
Read article →Financial PlanningFinancial Planning for Remote Workers Living Abroad
Working remotely from abroad raises complex questions about tax residency, National Insurance, pensions, and visas. Here is the financial planning framework for international remote workers.
Read article →Financial PlanningFinancial Planning for NHS Consultants: The Senior Clinician's Guide
NHS consultants face some of the most complex financial planning challenges of any professional group: a DB pension that generates Annual Allowance charges, private practice income, medical indemnity costs, and career decisions driven partly by tax policy. This guide addresses them all.
Read article →Financial PlanningFinancial Planning for British Military Personnel Serving Overseas
British military personnel serving overseas have a unique set of financial planning challenges and opportunities — from the AFPS pension to SRT exemptions.
Read article →Financial PlanningFinancial Planning for Doctors and Medical Professionals Working Internationally
Doctors face unique financial planning challenges — a complex defined benefit pension, the tapered annual allowance, and specific issues when working internationally.
Read article →Financial PlanningFinancial Planning for Entrepreneurs: Building Wealth Alongside Your Business
Most entrepreneurs spend their best financial years building the business and neglecting personal finances. This guide covers the salary/dividend strategy, pension planning, business sale preparation, and the post-exit financial transition that are essential for founder wealth.
Read article →Financial PlanningFinancial Planning for NHS Doctors and Hospital Consultants
A specialist guide to financial planning for NHS doctors and hospital consultants: the NHS Pension Scheme, annual allowance charges, the McCloud remedy, pension recycling, private practice income, and care home planning for a complex career.
Read article →Financial PlanningFinancial Planning for Medical Consultants and Senior Doctors
NHS consultants are among the highest earners in the UK but face uniquely complex financial planning challenges: NHS pension annual allowance charges, tapered allowance, private practice structure, and more.
Read article →Financial PlanningFinancial Planning for Civil Servants: Pension, Tax, and Benefits Guide
Civil servants' unique financial planning needs: the Alpha DB pension, annual allowance interaction, salary sacrifice, Civil Service Compensation Scheme, Crown employment abroad, and optimising tax-efficient benefits.
Read article →Financial PlanningDivorce and Financial Planning for Internationally Mobile Couples
Divorce is always financially significant. For internationally mobile couples — with assets spread across multiple countries, pensions in different jurisdictions, and potentially different citizenship or residency status — the complexity and the stakes are both considerably higher than for a couple who have spent their lives in one country.
Read article →Expat LifePre-Departure Financial Checklist: Everything to Do Before Moving Abroad
Moving abroad triggers dozens of financial decisions — many of which have better outcomes if addressed before departure rather than after. This checklist covers UK tax departure, pension review, ISA position, capital gains crystallisation, wills, LPAs, HMRC notification, and more.
Read article →Financial PlanningFinancial Planning Checklist for Divorce
A comprehensive financial checklist for divorce: Form E asset disclosure, pension sharing orders, CGT on matrimonial home transfer, joint mortgage release, re-insurance needs, and priority actions for updating nominations and wills.
Read article →Financial PlanningFinancial Planning at 50 for Expats: A Comprehensive Checklist
Turning 50 is a planning inflection point. Pension access is approaching, estate planning becomes urgent, and the final wealth-building decades demand a clear strategy. Here is what internationally mobile individuals should be doing at 50.
Read article →Financial PlanningFinancial Planning for Armed Forces Personnel: AFPS, Pensions and Beyond
Military personnel face unique financial challenges: frequent relocation, a defined benefit pension with unusual rules, deployment-related tax reliefs, and the transition to civilian life. This guide covers the key financial planning considerations.
Read article →Financial PlanningFinancial Resilience: Building a Robust Financial Life as an Expat
Financial resilience means your finances can withstand setbacks — a job loss, a market fall, an unexpected move, a health crisis — without permanent damage. For internationally mobile people, the stakes and the complexities are both higher.
Read article →Financial PlanningFinancial Planning After Bereavement: Steps for International Families
When a loved one dies abroad or leaves assets across multiple countries, families face complex financial and legal steps alongside their grief — this guide explains what needs to happen and when.
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.