Insights & research
Articles from our advisory team
Emergency Financial Planning for Internationally Mobile Individuals
Expats face financial emergencies that UK residents rarely encounter: medical evacuation, forced repatriation, legal detention abroad. Here is the resilience framework every internationally mobile person needs.
Read article →Wealth ManagementThe Complete Financial Checklist for Moving Abroad in 2026
The 10 financial tasks every expat should complete before moving abroad — pensions, tax residency, protection cover, wills, banking and more.
Read article →Expat LifeInternational Private Medical Insurance: A Complete Guide for Expats
Choosing the right international health insurance is one of the most consequential decisions an expat makes. We compare IPMI against local cover, review the major insurers, and explain what the key policy terms actually mean.
Read article →Expat LifeThe Complete Insurance Guide for Expats 2026
The NHS does not cover you when you live abroad, and most UK insurance policies lapse when you emigrate. This guide covers the five insurance products every expat needs and how to compare international insurers.
Read article →Tax PlanningFive Expat Tax Mistakes That Cost Thousands
Five tax errors that UK expats make repeatedly — each with a significant financial cost. Knowing about them in advance is far cheaper than discovering them after the fact.
Read article →Expat LifeExpat Wills and Estate Planning: A Complete Cross-Border Guide
An expat who dies without a valid will in each country where they hold assets may see their estate distributed in ways they never intended. This guide explains the multiple will strategy, EU succession rules, forced heirship, and the practical steps to protect your estate internationally.
Read article →Wealth ManagementFamily Governance for HNW Families: Frameworks, Charters, and the Third-Generation Challenge
The old proverb says wealth is created in the first generation, consolidated in the second, and squandered in the third. Family governance frameworks — charters, councils, and structured communication — help break this cycle.
Read article →Wealth ManagementFamily Governance and Preserving Wealth Across Generations
Most family wealth dissipates within three generations. Family governance — formal structures for decision-making, communication, and next-generation education — is the proven remedy.
Read article →Wealth ManagementFamily Limited Partnerships: What They Are, How They Work, and HMRC's View
Family Limited Partnerships are a US wealth transfer tool that has attracted attention in UK HNW planning. We explain the structure, valuation discounts, the comparison with Family Investment Companies, and why UK residents need to approach carefully.
Read article →Wealth ManagementFamily Office Services for High-Net-Worth International Families
Family offices are one of the least understood structures in wealth management. Here is what they are, what they provide, and when they make sense — and what the alternatives are.
Read article →Financial PlanningFee-Only vs Fee-Based Financial Advice: How Your Adviser Is Paid
Understanding the difference between fee-only and fee-based financial advisers: what each model means for your money, the legacy of RDR reforms, platform charges, percentage vs flat fees, and what questions to ask.
Read article →Financial PlanningFIRE for UK High Earners: Financial Independence and Early Retirement Planning
Financial Independence, Retire Early (FIRE) has moved from a fringe movement to mainstream aspiration for many high earners. This guide examines the UK-specific mechanics — pension access age, safe withdrawal rates, and the bridge from investments to pension — for those targeting early retirement.
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 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 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 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 PlanningRobo-Advisers vs Human Advisers: Which Is Right for HNW Investors?
Robo-advisers, digital wealth platforms, and hybrid services have matured significantly — but for HNW investors, the limitations of automated advice become significant well before the complexity of their financial lives.
Read article →Property InvestmentBuying Property Abroad for the First Time: A Step-by-Step Guide
First-time international property buyers face different challenges than UK buyers. Here is a step-by-step guide to buying safely abroad.
Read article →Expat LifeChoosing an FX Broker as an Expat: A Practical Guide
How expats can save thousands on currency transfers by choosing a regulated specialist FX broker over a bank. Covers forward contracts, payment options, FCA regulation, segregated funds, and common pitfalls.
Read article →Tax PlanningHow Double Taxation Agreements Work: A Guide for Internationally Mobile Individuals
Double taxation agreements prevent the same income being taxed twice in two countries. For internationally mobile individuals, the DTA determines where you pay tax on employment income, investment returns, pensions, and property gains — and what happens when you are tax-resident in both countries simultaneously.
Read article →Expat LifeComparing International Private Medical Insurance in 2026
Choosing the right international private medical insurance is one of the most consequential decisions an expat makes. Here's how the main providers and plans compare.
Read article →InvestmentsHealthcare Sector Investing: Defensive Growth for International Portfolios
Healthcare combines defensive characteristics with genuine long-run growth from ageing demographics, medical innovation, and expanding access in emerging markets. We examine the subsectors, risks, and best access routes for HNW investors.
Read article →Market AnalysisHedge Fund Performance in 2024–2025: Strategy Winners, Fee Pressure, and HNW Access
Global macro, equity long/short, and CTA funds had a mixed 2024–2025 relative to equity markets. We examine which strategies delivered, where the industry is heading, and how HNW investors can access hedge fund exposure through UCITS vehicles.
Read article →Tax PlanningHMRC Worldwide Disclosure Facility: A Guide for Offshore Account Holders
What the HMRC Worldwide Disclosure Facility covers, who should use it, how voluntary disclosure reduces penalties, when Code of Practice 9 applies, and why professional advice is essential before making any disclosure.
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.