Insights & research
Articles from our advisory team
10 Financial Mistakes British Expats Make (and How to Avoid Them)
British expats repeatedly make the same financial mistakes. Here are the ten most costly and what to do instead.
Read article →Estate PlanningExpat Guide to Wills and Estate Planning in 2026
Dying without a will when you have assets across multiple countries is expensive and distressing for your family. Here is the practical guide to expat estate planning in 2026.
Read article →Expat LifeExpat Life in Canada: Pensions, Tax and Investment Planning Guide
Canada's high quality of life, stable institutions, and welcoming immigration policy attract internationally mobile individuals from around the world — but its tax system is comprehensive and demands careful planning.
Read article →Expat LifeExpat Life in Hong Kong: Financial and Tax Considerations 2026
Hong Kong retains a compelling financial proposition for internationally mobile individuals — low taxes, a major financial centre, and access to China — but the post-2019 political environment requires a frank assessment.
Read article →Expat LifeExpat Life in New Zealand: Financial Planning Guide for Internationally Mobile Individuals
New Zealand's high quality of life, clean environment, and accessible immigration pathways attract internationally mobile families — but the tax and investment landscape requires careful attention for those with overseas assets.
Read article →Expat LifeExpat Life in Singapore: Financial and Tax Planning Guide 2026
Singapore remains one of the world's most attractive destinations for high-earning internationally mobile professionals — but optimising your financial position requires understanding both Singaporean and home-country rules.
Read article →Expat LifeExpat Life in Switzerland: Banking, Tax and Residency Planning Guide
Switzerland remains one of the world's premier financial centres and most desirable places to live — but its complex cantonal tax system and residency requirements demand careful planning.
Read article →Tax PlanningRemittance Planning for Non-Domiciles: Legacy Rules and the Post-April 2025 FIG Regime
The remittance basis was abolished from April 2025 and replaced with the Foreign Income and Gains (FIG) regime. We explain what this means, what the transitional measures preserve, and how mixed fund and remittance planning worked under the old rules.
Read article →Financial PlanningRetirement Income Planning for Expats: Building Sustainable Income from Multiple Sources
How internationally mobile retirees can construct a resilient income stream by layering state pensions, private pensions, property, and investments across multiple jurisdictions.
Read article →Tax PlanningUK Tax Returns for Expats: When You Must File and How to Do It Right
Leaving the UK does not end your UK tax obligations. Many expats still need to file Self Assessment returns — and the penalties for late filing are severe. Here is a complete guide to UK tax compliance from abroad.
Read article →InvestmentsFactor Investing and Smart Beta: A Guide for International Investors
Factor investing and smart beta strategies offer a systematic middle ground between passive indexing and active management — here is what internationally mobile investors need to know.
Read article →Tax PlanningFamily Investment Companies: FIC Structures for HNW Families
How Family Investment Companies work, their tax and succession planning advantages, the risks to be aware of, and when a FIC is the right structure for internationally mobile HNW families.
Read article →Tax PlanningFamily Investment Companies: A Complete Guide for HNW Families
A Family Investment Company (FIC) uses the corporate tax wrapper to hold family investments, pass wealth to children tax-efficiently, and retain control. Here is how they work — including the post-October 2024 Budget recalculation and why HMRC has been watching FICs closely.
Read article →Wealth ManagementFamily Loan Arrangements: Tax Planning, HMRC Rules, and Inheritance Tax Implications
Lending money within a family — to children, grandchildren, or other relatives — can be a tax-efficient way to support them while keeping the IHT clock from ticking. But HMRC's rules on the official rate, beneficial loans, and IHT treatment require careful handling.
Read article →Expat LifeFinancial Planning for a Family Member Returning From Abroad
When a spouse, partner, or dependent returns to the UK from overseas, careful financial planning avoids tax surprises and ensures a smooth reintegration of their finances.
Read article →Wealth ManagementTalking to Your Family About Money: A Guide for Wealthy Families
Why families avoid wealth conversations, how to give early and intentionally, age-appropriate financial education for children and grandchildren, family mission statements, and using advisers as neutral facilitators.
Read article →Wealth ManagementFamily Wealth Transfer: Strategies for Passing Assets to the Next Generation
A comprehensive guide to intergenerational wealth transfer for UK families, covering gifts, trusts, family investment companies, pensions, and business property relief — with the tax implications of each.
Read article →Tax PlanningFATCA and FBAR Compliance Guide for US Expats
A detailed guide to FATCA and FBAR reporting obligations for US citizens and green-card holders living abroad, including deadlines, penalties, and planning strategies.
Read article →Wealth ManagementFinancial Advice vs DIY Investing: What International Investors Need to Know
DIY investing works well in simple situations. International situations — multiple tax systems, QROPS decisions, offshore bonds, cross-border IHT — typically exceed DIY capacity. Here is the honest assessment.
Read article →Financial PlanningFinancial Advice vs Financial Guidance: Understanding the Difference
The regulated advice and guidance boundary explained: what constitutes regulated financial advice under the FCA, what guidance services like MoneyHelper and Pension Wise can and cannot do, the advice gap, and where robo-advice fits.
Read article →Wealth ManagementHow to Find a Financial Adviser When You Live Abroad
Finding a trustworthy financial adviser is challenging in the UK; finding one when you live abroad is harder still. This guide explains what to look for, what questions to ask, and which red flags should make you walk away.
Read article →Financial PlanningFinancial Independence for High-Earning Expat Professionals: A 10-Year Plan
High-earning expat professionals are uniquely positioned to achieve financial independence within a decade — but success requires structured planning, not just high income.
Read article →Financial PlanningFinancial Planning After Bereavement: Steps for International Families
When a loved one dies abroad or leaves assets across multiple countries, families face complex financial and legal steps alongside their grief — this guide explains what needs to happen and when.
Read article →Financial PlanningFinancial Planning for Armed Forces Personnel: AFPS, Pensions and Beyond
Military personnel face unique financial challenges: frequent relocation, a defined benefit pension with unusual rules, deployment-related tax reliefs, and the transition to civilian life. This guide covers the key financial planning considerations.
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.