Insights & research
Articles from our advisory team
Care Home Funding and Financial Planning: What You Need to Know
Care home costs in the UK can easily exceed £150,000 and often much more. This guide explains the means test, what counts as assets, the Deferred Payment Agreement, immediate needs annuities, and what you can and cannot do to protect your estate.
Read article →Tax PlanningTax-Efficient Charitable Giving: A Complete Guide for Wealthy Donors
Charitable giving is both a values-driven act and a significant tax planning opportunity. Understanding the full range of giving mechanisms can make your philanthropy significantly more effective — for the charity and for your tax position.
Read article →Expat LifeCritical Illness Cover for Expats: What You Need to Know
A guide to critical illness insurance for expatriates: how it works, what is covered, exclusions, claiming abroad, the interaction with income protection and life insurance, and how to choose the right policy.
Read article →Tax PlanningCRS and FATCA: Automatic Information Exchange Explained
The era of bank secrecy is over. Under CRS and FATCA, financial institutions in 120+ countries automatically exchange account information with tax authorities. This guide explains what is reported, what it means for your compliance obligations, and what the FIG regime means for non-doms.
Read article →Wealth ManagementCryptocurrency Portfolio Allocation in 2026: What the Evidence Says
A balanced look at crypto as a portfolio diversifier in 2026 — position sizing, risk management, and what the evidence actually shows.
Read article →Expat LifePractical Money Management for Expats: Accounts, Cards and FX in 2026
The average expat loses thousands of pounds per year on poor currency management — bad exchange rates, bank card fees, and suboptimal account choices. This guide covers the practical steps to keep more of your money.
Read article →Market AnalysisCurrency Crises and Investor Protection: What History Teaches Us
Currency crises can destroy decades of accumulated wealth in weeks. Understanding the warning signs and protective measures is essential for internationally mobile investors and expats.
Read article →InvestmentsCurrency Hedging Strategies for International Investors: When to Hedge and When Not To
Currency hedging is not free, and not always necessary. A structured approach to understanding your true currency exposures and deciding which ones are worth managing explicitly.
Read article →InvestmentsCurrency Risk in an International Investment Portfolio: What You Need to Know
Currency movements can add or destroy returns as dramatically as market movements. For internationally mobile investors with income, expenses, and assets in multiple currencies, managing currency risk is a wealth management priority.
Read article →Financial PlanningCurrency Risk Management for International Investors and Expats
For internationally mobile investors, currency risk is one of the largest sources of portfolio volatility. Here is how to think about it systematically and manage it practically.
Read article →Financial PlanningDebt Consolidation and Liability Management for HNW Individuals
HNW individuals can hold multiple forms of debt — mortgages, Lombard loans, business guarantees, deferred tax liabilities. Consolidation and liability management done well reduces cost and risk; done badly, it concentrates leverage and creates margin call exposure. This guide covers the principles.
Read article →InvestmentsStrategic Use of Debt for HNW Investors
How HNW investors use debt strategically: Lombard lending against portfolios, property re-leverage, premium finance for life insurance, investment bond loan-back, and the risks of borrowing to invest.
Read article →PensionsDefined Benefit Pensions in Divorce: Valuation, Orders, and the CETV Problem
Defined benefit pensions are frequently the largest asset in a divorce — yet they are also the most misunderstood and most frequently undervalued. This guide explains pension sharing orders, CETV accuracy issues, actuarial reports, and the impact on internationally mobile couples.
Read article →Market AnalysisInvesting in a Deglobalising World: Reshoring, Friend-Shoring, and Portfolio Implications
The era of hyper-globalisation may be over. Reshoring, friend-shoring, and supply-chain restructuring are creating new winners and losers across sectors. We set out the investment thesis and practical portfolio implications for international investors.
Read article →Financial PlanningDigital Assets and Estate Planning: What Happens to Your Crypto When You Die?
How to include digital assets — cryptocurrency, NFTs, digital accounts, and online businesses — in your estate plan. Inheritance, access, valuation, tax, and practical steps for UK and international holders.
Read article →Expat LifeTax Guide for Digital Nomads: Managing Tax While Working Globally
Digital nomads face a unique tax problem: moving between countries risks creating multiple tax residencies simultaneously. This guide covers the UK Statutory Residence Test, popular nomad tax bases, permanent establishment risk, social security, and how to stay legally compliant while working globally.
Read article →Financial PlanningA Financial Checklist for Those Going Through Divorce
Poor financial decisions made during a divorce can have consequences lasting 30 years. This structured checklist covers every stage — from protecting your income on day one to rebuilding after settlement.
Read article →Property InvestmentDubai Property Investment Guide: What Every International Buyer Needs to Know
A comprehensive guide to investing in Dubai real estate: freehold zones, RERA protections, off-plan risks, service charges, rental yields by area, and the tax advantages that attract global investors.
Read article →Financial PlanningEquity Release Explained: Lifetime Mortgages, Risks, and Alternatives
A plain-English guide to equity release for homeowners aged 55+: how lifetime mortgages and home reversion work, Equity Release Council safeguards, the impact on benefits and care costs, and the alternatives.
Read article →Expat LifeThe Essential Insurance Checklist for Expats
Moving abroad exposes you to a range of risks that standard UK insurance products do not cover — and removes access to the NHS and other state protections. This guide covers every category of insurance an expat should review, what to look for, and common gaps that leave families exposed.
Read article →Tax PlanningEstate Planning for British Nationals Living Abroad
Even if you have lived abroad for decades, you may still face UK inheritance tax on your worldwide estate. Estate planning is the most commonly neglected area of expat financial planning — and the most expensive mistake to leave uncorrected.
Read article →Wealth ManagementEstate Planning Checklist for Expats: A Jurisdiction-by-Jurisdiction Approach
Comprehensive estate planning checklist for British nationals living abroad: wills in multiple jurisdictions, LPAs and foreign equivalents, digital assets, life insurance nominations, forced heirship, Brussels IV, and the IHT excluded property trust.
Read article →Wealth ManagementDigital Asset Estate Planning: Protecting Your Crypto, Accounts, and Digital Wealth
Digital assets — from cryptocurrency to online accounts — pose unique estate planning challenges. Without deliberate preparation, your digital wealth can be permanently lost at death. Here is what you need to do.
Read article →InvestmentsExchange-Traded Notes (ETNs): What They Are and the Risks Investors Overlook
An ETN looks like an ETF but carries a fundamental additional risk: if the issuing bank fails, you may lose everything regardless of the index's performance.
Read article →Speak to a Global Investments adviser
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