Insights & research
Articles from our advisory team
HMRC 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 →Property InvestmentMortgages for High-Net-Worth Borrowers: A Complete Guide
HNW borrowers often do not fit the automated scoring models of high street lenders. Private bank mortgages, asset-backed lending, and specialist brokers open up options that the mainstream market cannot provide.
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 →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 →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 →Tax PlanningHow to Claim Back UK Tax as a Non-Resident
UK tax is often withheld at source from pension payments, property income, and dividends — even when a double tax treaty gives you the right to receive them gross or at a reduced rate. Here is how to reclaim it.
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 →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 →InvestmentsImpact Investing for HNW Individuals: Putting Wealth to Work for Positive Outcomes
Impact investing goes beyond avoiding harm — it actively finances solutions to social and environmental problems. Here is what HNW international investors need to know.
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 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 →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 →InvestmentsInfrastructure Investing: A Guide for HNW International Investors
Infrastructure — toll roads, ports, data centres, renewable energy, utilities — has become a significant allocation for institutional investors seeking stable, inflation-linked returns. HNW individuals can now access the asset class through a growing range of listed and unlisted vehicles.
Read article →Tax PlanningInheritance Planning for Unmarried Couples: Protecting Your Partner
Unmarried couples have none of the IHT or legal protections of married couples. Without careful planning, a partner can be left with a large tax bill, no right of access to accounts, and no legal standing. Here is what to do.
Read article →Estate PlanningInheritance Planning: What to Tell Your Family Before It's Too Late
Estate planning is not just about having a will. It is about ensuring your family can act efficiently when they need to — without hunting for documents, guessing at wishes, or discovering complexity they were never told about. This guide covers the practical conversations and documentation that make the difference.
Read article →Tax PlanningIHT Gifting Strategy: How to Reduce Your Inheritance Tax Bill Systematically
Gifting is one of the most effective — and underused — IHT mitigation strategies available to UK individuals. This guide covers every exemption, the seven-year rule, and how to structure a sustainable gifting programme.
Read article →InvestmentsInsurance Bonds vs Unit Trusts: Which Is Right for You?
Investment bonds and unit trusts both work for long-term wealth building. But they have different tax treatments, and knowing when each wins is valuable.
Read article →Market AnalysisCentral Bank Rate Paths in 2026: What Investors Need to Know
Fed, ECB, and Bank of England divergence in 2026, dot plot analysis, what higher-for-longer means for bond duration, when to extend, floating versus fixed allocation, and mortgage implications for internationally mobile borrowers.
Read article →InvestmentsInvesting During High Inflation: A Guide for International Portfolios
The 2021–2023 inflation surge exposed vulnerabilities in many investment portfolios. Here is how to think about inflation risk in an international portfolio — and what the evidence shows.
Read article →Market AnalysisHow to Invest During a Recession: Evidence-Based Strategies
Recessions are unsettling but historically short. Here is an evidence-based guide to which assets and sectors perform well, which suffer, and what investors should do.
Read article →InvestmentsInvesting in the Middle East: Opportunities and Considerations for International Investors
The Gulf Cooperation Council economies are undergoing a structural transformation from oil dependence to diversified economies. For internationally mobile investors, the Middle East offers real estate yields, listed equities, and financial infrastructure that are increasingly attractive. This guide explains the landscape.
Read article →Wealth ManagementInvestment Outlook H2 2026: What Investors Need to Know
Growth is moderating, central banks are navigating the final mile of inflation, and geopolitical uncertainty remains elevated. Here is how we see the second half of 2026.
Read article →InvestmentsIs Gold a Good Investment in 2026?
Gold has attracted renewed investor interest. Here is what has driven recent performance, how much of a portfolio to allocate, and how to invest — physical, ETF, or mining stocks.
Read article →InvestmentsInvesting a Junior ISA for Maximum Long-Term Growth: Strategy and Platform Guide
A Junior ISA's 18-year tax-free investment horizon is one of the most powerful compounding environments available in the UK. Here is how to make the most of it.
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.