Insights & research
Articles from our advisory team
Tax-Efficient Charitable Giving: A Guide for UK Taxpayers and Expats
Structuring charitable donations correctly can significantly increase the impact of your giving while reducing your UK tax bill. This guide covers Gift Aid, asset gifts, offshore structures, and legacy planning for UK-connected donors.
Read article →Tax PlanningYear-End UK Tax Planning Checklist for Taxpayers Abroad
The 5 April deadline is unforgiving. For UK taxpayers living abroad, an annual review of year-end tax planning actions can save thousands — from ISA deadlines to pension carry-forward, CGT planning, and non-dom transitional elections.
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 →RetirementGuide to Tracing and Reclaiming Lost UK Pensions
Over the course of a working life, many people move jobs, change addresses, or switch pension providers. Each time, there is a risk of...
Read article →News & UpdatesThe Trump Slump: Another Sequel in a Familiar Financial Horror Story
Trump’s new tariffs trigger global panic and market turmoil. Is this smart strategy or economic sabotage?
Read article →Tax PlanningTax Planning Through a Limited Company for Contractors and Consultants
A comprehensive guide to the tax advantages of operating through a personal service company, covering optimal salary and dividend strategies, IR35, pension contributions, and Relevant Life Plans for contractors and consultants.
Read article →Tax PlanningTax-Loss Harvesting for International Investors: A Practical Guide
Tax-loss harvesting can generate meaningful after-tax returns for globally mobile investors — but the strategy must be adapted carefully for cross-border tax rules and changing residency.
Read article →Tax PlanningTax-Loss Harvesting for International Investors: Offsetting Gains Efficiently
Tax-loss harvesting — deliberately realising losses to offset taxable gains — can meaningfully improve after-tax investment returns, but requires careful navigation of wash-sale rules and cross-border complications.
Read article →Tax PlanningBuilding a Tax-Efficient Income in Retirement
Getting the sequence and mix of retirement income wrong can cost tens of thousands in unnecessary tax over a lifetime. Here's how to draw down smartly.
Read article →Tax PlanningTax-Efficient Pension Drawdown for Expats: Sequencing Withdrawals Across Wrappers
For expats with assets spread across multiple tax wrappers and jurisdictions, the order and timing of withdrawals can make a substantial difference to the lifetime tax bill.
Read article →Tax PlanningTax-Efficient Investment Structures for Entrepreneurs After a Business Exit
Selling a business creates a once-in-a-lifetime opportunity to set up a tax-efficient investment structure. The decisions made in the first twelve months after exit have consequences for decades.
Read article →Tax PlanningInvestment Wrappers Explained: ISA, Pension, Offshore Bond, and GIA Compared
ISA, SIPP, offshore bond, general investment account — these are the main containers available for UK-linked investments. Choosing the right wrapper for your situation, filling them in the right order, and knowing how to draw down from them efficiently can make a significant difference to your long-term after-tax wealth.
Read article →Tax PlanningISAs for the Internationally Mobile: Rules, Restrictions, and Strategies
The UK Individual Savings Account (ISA) is one of the most valuable tax shelters available to UK resident investors. But what happens to your ISA when you move abroad? Can non-residents contribute? And how do overseas tax authorities treat ISA income? Here is the complete picture.
Read article →InvestmentsRegular Investing in the UK: Pound-Cost Averaging, SIPs, and the Evidence on Timing
Regular monthly investing — sometimes called a Systematic Investment Plan or SIP — removes the timing decision and builds discipline into long-term wealth accumulation. This guide covers pound-cost averaging, platform options, DRIPs, pension auto-escalation, and the evidence on when lump-sum is better.
Read article →Wealth ManagementSwitzerland for Private Wealth: Banking, Discretion and Tax Treaties
A comprehensive guide to Switzerland as a private wealth centre — covering the banking system, cantonal tax regimes, lump-sum taxation for foreign residents, and the country's extensive treaty network.
Read article →Expat LifeLiving in Switzerland as an Expat: Forfait Taxation and Banking
Switzerland's lump-sum tax regime, world-leading private banking sector, and exceptional quality of life make it one of the most prestigious and financially sophisticated environments for HNW expats — though its costs and entry requirements demand careful advance planning.
Read article →Financial PlanningSustainable Withdrawal Rate in Retirement: How Much Can You Safely Spend?
How much of your retirement portfolio can you withdraw each year without running out of money? This guide covers the evidence on sustainable withdrawal rates, UK-specific considerations, sequencing risk, and how to build a resilient retirement income strategy.
Read article →Financial PlanningSustainable Retirement: Balancing Income, Inflation and Longevity Risk
The three forces most likely to undermine a retirement income plan are running out of money, inflation eroding purchasing power, and living longer than expected — here is how to address all three.
Read article →InvestmentsUK and EU Sustainable Finance Regulation: What Investors Need to Know
A guide to sustainable finance regulation for investors: FCA SDR labels, EU SFDR Article 8 and 9, EU Taxonomy, CSRD, TCFD, greenwashing enforcement, and how regulation affects fund selection.
Read article →Wealth ManagementThe Super-Wealthy vs the Mass Affluent: How Wealth Management Differs
A frank look at how wealth management services, products, planning complexity, and adviser relationships differ fundamentally across the wealth spectrum — from the mass affluent to the ultra-high-net-worth.
Read article →Wealth ManagementSuccession Planning for Family Business Owners: A Practical Guide
Passing a family business to the next generation requires careful planning across inheritance tax, capital gains, ownership structures, and family governance. Here is what every business-owning family should consider.
Read article →Wealth ManagementSuccession Planning for Family Business Owners: A Comprehensive Guide
Over 60% of UK family businesses have no succession plan. Without one, the outcome — distressed sale, family conflict, punitive IHT — is largely determined by chance. This guide covers the succession options, the tax planning, and how internationally mobile founders should approach the exit decision.
Read article →Wealth ManagementSuccession Planning for Business Owners: Keys to an Orderly Exit
A comprehensive guide to succession planning for business owners — covering exit routes, tax relief, family and management transitions, and the financial planning that ensures wealth survives the sale.
Read article →Wealth ManagementSuccession Planning for Business Owners Living Abroad
How internationally mobile business owners can plan the succession of their business interests across borders — covering IHT, ownership transfer, management succession, and exit planning.
Read article →Speak to a Global Investments adviser
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