Insights & research
Articles from our advisory team
Why Most Retail Investors Underperform the Market
The average investor consistently earns less than the funds they hold. The reason is almost always behavioural. Here is what the data shows and how to overcome it.
Read article →Wealth ManagementContesting a Will and Inheritance Disputes: What You Need to Know
Will disputes are more common than many people realise — and the legal costs and family damage can be severe. Understanding when a will can be challenged, who can challenge it, and how to structure estates to reduce the risk of dispute is essential estate planning for HNW families.
Read article →RetirementWill I Outlive My Money? Testing Your Retirement Income Plan
The question behind every retirement plan: will the money last? Here is how to test your plan — withdrawal rates, dynamic strategies, other income sources, and how to close any gap.
Read article →Expat LifeWriting a Valid Will as an Expat: A Complete Guide for Internationally Mobile Individuals
Having assets in multiple countries creates real complexity around wills and succession. This guide covers the key issues: EU Succession Regulation, forced heirship rules, siting of assets, multiple wills, and the practical steps to ensure your estate is dealt with as you intend.
Read article →Estate PlanningWills and Power of Attorney: The Legal Documents Every Expat Needs
A UK will does not cover your assets in other countries. A UK Lasting Power of Attorney may not be recognised abroad. This guide explains exactly which legal documents every internationally mobile person needs — and the practical checklist to confirm they're in place.
Read article →Wealth ManagementWills and Probate When Assets Span Multiple Countries
Probating an estate with assets in multiple countries is complex, expensive, and slow. We explain ancillary probate, EU Succession Regulation choice of law, practical timelines for UK-US estates, and when to bring in specialist international probate counsel.
Read article →InvestmentsWorking With a Discretionary Fund Manager: What You Need to Know
A Discretionary Fund Manager handles investment decisions on your behalf within agreed parameters. Understanding how DFMs work, how they charge, and how to evaluate performance is essential before handing over your portfolio.
Read article →InvestmentsThe Yield Curve and Bond Investing: What Every Investor Should Understand
The yield curve is one of the most-watched signals in financial markets — yet it is widely misunderstood. This guide explains what it tells us, what it doesn't, and how it should inform bond allocation decisions.
Read article →News & UpdatesCapital Protected Notes: How They Work, What They Cost, and Who Should Own Them
Capital Protected Notes are marketed as a financial achievement: participate in stock market upside without the risk of capital loss. The brochure-level promise is simple. You invest $100,000 in a Capital Protected Note linked to the S&P 500. If the index rises 20%, you capture a percentage of that
Read article →News & UpdatesHow to Structure a Retirement Portfolio for a 100-Year Life and a 40-Year Retirement
A 65-year-old couple today has roughly a 50% probability that at least one partner lives past 90. A meaningful minority will reach 100. The retirement planning frameworks that most investors are still using — Bengen's 4% rule, the traditional 60/40 portfolio, the standard equity glide path that drif
Read article →News & UpdatesThe 2026 Expat Tax Guide for Digital Nomads, Residents, and Globally Mobile Investors
The tax landscape that expats and globally mobile investors are navigating in 2026 has shifted more in the past 18 months than in the previous 18 years. The UK abolished its 200-year-old non-dom regime on 6 April 2025 and replaced it with a four-year residence-based system. Portugal closed its NHR p
Read article →News & UpdatesHow to Position Capital in a Post-Conflict Economy as Markets Recover
The pattern in the data is unusually consistent. Across twenty major military conflicts in the post-1945 period, the S&P 500 has fallen an average of 6% from initial impact to trough, and recovered to pre-conflict levels in an average of 28 days. The 2026 Iran conflict has tracked that pattern almos
Read article →News & UpdatesThe Truth About AI Driven High-Frequency Trading (HFT) & 4% Yields
The pitch is familiar by now. An offshore platform, a glossy interface, a track record curve that climbs from bottom-left to top-right, and a headline number that lands somewhere between three and four percent per month. The underlying technology is described as AI-driven high-frequency trading (HFT
Read article →News & UpdatesHow to Pivot Your Portfolio as the Energy Shock of 2026 Resets Global Markets
The first four months of 2026 have rewritten the assumptions most investors carried into the year. By early March, a market that had entered January expecting modest oil oversupply, falling inflation, and a continuation of the AI-led equity rally was instead absorbing the largest oil supply shock ev
Read article →News & UpdatesResidency by Investment Through Real Estate: A Guide to the Best Jurisdictions in 2026
Residency planning has become an active part of wealth structuring for internationally mobile families. The combination of tightening immigration policies in established markets, rising tax pressure across the EU and UK, and increased scrutiny of cross-border wealth has shifted residency from a life
Read article →News & UpdatesCross-Border Inheritance Planning: How to Manage Estate Taxes Across Multiple Jurisdictions
Cross-border inheritance planning has shifted from a technical legal exercise to a core component of wealth preservation. The combination of global tax transparency, stricter residency enforcement, and conflicting legal systems has created a scenario where poorly structured estates are routinely exp
Read article →RetirementHow to Transfer Your UK Pension to an International SIPP
A UK pension transfer to an International SIPP is not an investment decision. It is a structural adjustment that determines how your retirement capital is positioned in relation to where you live, how you earn, and how you intend to retire. Most UK pensions are designed around a simple assumption: t
Read article →News & UpdatesTax and Investment Planning for US Expats in Costa Rica
Costa Rica continues to attract US expatriates for several practical reasons. It offers political stability, a high quality of life, and a territorial tax system that does not impose local tax on foreign-sourced income. However, for US nationals, relocation alone does not fundamentally change their
Read article →News & UpdatesTop Jurisdictions Where HNW US Nationals Retire and Expatriate Wealth in Central America and the Caribbean
When discussing the jurisdictions HNW US nationals choose to retire, and expatriate wealth, the conversation is often framed around lifestyle factors—climate, cost of living, and quality of life. While these remain relevant, they are not the primary drivers for high-net-worth (HNW) individuals. For
Read article →News & UpdatesInsights from the World Economic Forum Global Risks Report 2026
The World Economic Forum Global Risks Report 2026 outlined a clear shift: the global system is moving away from cooperation and efficiency toward fragmentation, competition, and resilience. At the time, this was presented as a forward-looking risk framework. Two months into 2026, it is already visib
Read article →News & UpdatesIran Conflict 2026: Energy Shock and Investor Risk Analysis
The 2026 Iran conflict has tightened global energy supply chains and reset pricing across oil, LNG, shipping, and other inflation-sensitive assets. Iran’s leverage comes from geography rather than domestic strength. Its position at the Strait of Hormuz is now decisive: Iran and the IRGC have made th
Read article →News & UpdatesOil and Gold Surge as Middle East Conflict Escalates
Global markets entered March 2026 under the heaviest geopolitical pressure seen in decades. Coordinated military operations by the United States and Israel against Iran have escalated into a multi-front regional war, triggering a rapid flight to safety across commodities and fixed income. The effect
Read article →News & UpdatesBest Jurisdictions for US Wealth Expatriation in 2026
For high-net-worth US nationals, the concept of “retiring abroad” has evolved into something far more deliberate. In 2026, relocation is increasingly framed not as a lifestyle decision but as a strategic repositioning of wealth across jurisdictions. This reflects a broader shift in the global enviro
Read article →News & UpdatesOffshore Bonds, Platforms, and Wraps for Global HNW Families
Offshore bonds, platforms, and wraps have become one of the most effective frameworks for internationally mobile high-net-worth (HNW) families to structure, consolidate, and manage their global wealth. These structures combine custody, reporting, tax-aware planning, succession planning, and global i
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