Insights & research
Articles from our advisory team
Channel Islands and Isle of Man: Offshore Financial Centres Explained
A detailed guide to Jersey, Guernsey, and the Isle of Man as offshore financial centres — their regulatory frameworks, tax regimes, financial products, and role in international wealth planning.
Read article →Tax PlanningCGT Annual Exemption Cut to £3,000: What Investors Need to Know
The CGT annual exempt amount has fallen from £12,300 to £3,000. Here is how to manage the impact on your investment portfolio.
Read article →Financial PlanningAccountant vs Financial Adviser vs Financial Planner: Who Does What?
Understanding the difference between accountants, financial advisers, financial planners, and tax advisers: who does what, when you need each, and why most HNW individuals benefit from a coordinated team of all of them.
Read article →Tax PlanningHMRC Certificate of Residence: Who Needs One and How to Get It
A practical guide to HMRC's Certificate of Residence: who needs it, how to apply, how long it takes, and how to use it to claim tax treaty relief in the UAE, Thailand, Spain, and beyond.
Read article →Financial PlanningCentral Bank Digital Currencies (CBDCs): Implications for International Investors
Over 130 countries are exploring or developing central bank digital currencies. What are CBDCs, how do they differ from crypto, and what do they mean for internationally mobile HNW investors?
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 →News & UpdatesDid you contract out of SERPS?
The State Earnings Related Pension Scheme (SERPS) was introduced by the UK government in 1978 as a way to provide an additional pension on top of the basic state pension. SERPS was a pay-as-you-go system, which means that the contributions made by workers were used to pay the pensions of retirees at
Read article →News & UpdatesComparing the costs of International Higher Education
It's important to note that the cost of tuition fees is just one aspect of the overall cost of university education. Other expenses such as accommodation, food, transportation, textbooks, and health insurance can add up significantly. It's crucial to research and compare the costs and benefits of st
Read article →Wealth ManagementCayman Islands and BVI: Offshore Corporate Structures for Investors
A clear-eyed guide to the Cayman Islands and British Virgin Islands as offshore financial centres — their legitimate uses for international investors, the structures they offer, and the compliance landscape in 2026.
Read article →InvestmentsThe Case for Low-Cost Investing: How Fees Compound Against You
Investment fees are the one component of long-term returns that is entirely within your control — and the mathematics of compounding means even small differences in fees produce enormous wealth differences over time.
Read article →Market AnalysisThe Case for International Diversification in 2026
US equity dominance has tested investors' commitment to global diversification — but the structural case remains compelling, and valuations in 2026 offer the strongest argument for international exposure in a decade.
Read article →Property InvestmentCaribbean Real Estate for HNW International Buyers
A guide to Caribbean property for international HNW investors: comparing Barbados, St Kitts, Antigua, the BVI, and the Cayman Islands on freehold rights, CBI links, rental yields, hurricane insurance, estate duty, and FATCA/CRS compliance.
Read article →Financial PlanningCare Home Costs and Financial Planning: How to Fund Long-Term Care
A clear guide to care home funding in the UK: what residential and nursing care costs, how the means test works, the property exemptions, deferred payment agreements, immediate needs annuities, and how to plan ahead.
Read article →Financial PlanningCare 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 PlanningCapital Gains Tax Planning for Non-UK Residents with UK Assets
Non-UK residents are not exempt from UK Capital Gains Tax. Understanding the Non-Resident CGT rules — and the planning opportunities available — is essential for anyone with UK assets living abroad.
Read article →Tax PlanningCapital Gains Tax Planning for UK Taxpayers in 2026
CGT planning in 2026: the £3,000 annual exemption, 18%/24% rates on all assets, Business Asset Disposal Relief, spousal exemption transfers, bed-and-ISA, and the 60-day payment window for property.
Read article →Expat LifeLiving in Canada as an Expat: Financial Planning for UK Expats
Canada is a popular destination for British professionals and families, but its tax system — with rates comparable to the UK and specific rules on foreign pensions and investment accounts — demands careful cross-border financial planning.
Read article →Property InvestmentBuying Property in Portugal as a British Expat: Complete Guide 2026
A thorough guide to purchasing property in Portugal in 2026, covering market prices, the purchase process, taxes, financing options, and NHR planning for British buyers.
Read article →Property InvestmentBuying Property Abroad: The Complete Guide for British Investors
Buying property abroad can be one of the most rewarding decisions a British investor makes — or one of the most expensive mistakes. This guide covers the key steps, the most common pitfalls, and specific guidance for four popular markets.
Read article →Property InvestmentBuying Overseas Property in 2026: A Practical Due Diligence Guide
Buying property abroad involves legal systems, languages, and tax rules that differ fundamentally from the UK. A structured due diligence approach avoids the most costly mistakes.
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 →Expat LifeBuying a Business in Another Country — The Financial and Legal Framework
Buying an existing business abroad offers established cash flows and lower risk than starting from scratch. Here is the due diligence, legal, tax, and exit framework for internationally mobile buyers.
Read article →PensionsBuy-to-Let vs SIPP: A Head-to-Head for Higher Rate Taxpayers
For higher rate taxpayers, the pension vs buy-to-let decision involves more than just yield comparisons. Tax relief, income tax treatment on withdrawal, CGT, liquidity, and estate planning all differ significantly — and the 'right' answer depends on your specific circumstances.
Read article →PensionsBuy-to-Let vs Pension: Which Is the Better Retirement Investment?
Buy-to-let and pension contributions are both used for retirement planning. Here is an honest comparison of the tax treatment, returns, and risks of each.
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.