Insights & research
Articles from our advisory team
Financial Planning at 50 for Expats: A Comprehensive Checklist
Turning 50 is a planning inflection point. Pension access is approaching, estate planning becomes urgent, and the final wealth-building decades demand a clear strategy. Here is what internationally mobile individuals should be doing at 50.
Read article →Financial PlanningFinancial Planning Checklist for Divorce
A comprehensive financial checklist for divorce: Form E asset disclosure, pension sharing orders, CGT on matrimonial home transfer, joint mortgage release, re-insurance needs, and priority actions for updating nominations and wills.
Read article →Expat LifePre-Departure Financial Checklist: Everything to Do Before Moving Abroad
Moving abroad triggers dozens of financial decisions — many of which have better outcomes if addressed before departure rather than after. This checklist covers UK tax departure, pension review, ISA position, capital gains crystallisation, wills, LPAs, HMRC notification, and more.
Read article →Financial PlanningDivorce and Financial Planning for Internationally Mobile Couples
Divorce is always financially significant. For internationally mobile couples — with assets spread across multiple countries, pensions in different jurisdictions, and potentially different citizenship or residency status — the complexity and the stakes are both considerably higher than for a couple who have spent their lives in one country.
Read article →Financial PlanningFinancial Planning for Civil Servants: Pension, Tax, and Benefits Guide
Civil servants' unique financial planning needs: the Alpha DB pension, annual allowance interaction, salary sacrifice, Civil Service Compensation Scheme, Crown employment abroad, and optimising tax-efficient benefits.
Read article →Financial PlanningFinancial Planning for Medical Consultants and Senior Doctors
NHS consultants are among the highest earners in the UK but face uniquely complex financial planning challenges: NHS pension annual allowance charges, tapered allowance, private practice structure, and more.
Read article →Financial PlanningFinancial Planning for NHS Doctors and Hospital Consultants
A specialist guide to financial planning for NHS doctors and hospital consultants: the NHS Pension Scheme, annual allowance charges, the McCloud remedy, pension recycling, private practice income, and care home planning for a complex career.
Read article →Financial PlanningFinancial Planning for Entrepreneurs: Building Wealth Alongside Your Business
Most entrepreneurs spend their best financial years building the business and neglecting personal finances. This guide covers the salary/dividend strategy, pension planning, business sale preparation, and the post-exit financial transition that are essential for founder wealth.
Read article →Financial PlanningFinancial Planning for Doctors and Medical Professionals Working Internationally
Doctors face unique financial planning challenges — a complex defined benefit pension, the tapered annual allowance, and specific issues when working internationally.
Read article →Financial PlanningFinancial Planning for British Military Personnel Serving Overseas
British military personnel serving overseas have a unique set of financial planning challenges and opportunities — from the AFPS pension to SRT exemptions.
Read article →Financial PlanningFinancial Planning for Remote Workers Living Abroad
Working remotely from abroad raises complex questions about tax residency, National Insurance, pensions, and visas. Here is the financial planning framework for international remote workers.
Read article →Financial PlanningFinancial Planning for Professional Athletes and Sportspeople
A professional footballer may earn in five years what most people earn in a lifetime — but that income must fund 50+ years of post-career life. This guide covers pensions, tax residency, image rights, career transition planning, and the most common financial mistakes sports professionals make.
Read article →Financial PlanningFinancial Planning for Startup Founders and Tech Entrepreneurs
Startup founders have most of their wealth on paper, little cash, and big financial planning blind spots. Here is how to build a sound financial plan around your startup.
Read article →Financial PlanningFinancial Planning in Your 40s: Peak Earnings and Competing Priorities
Your 40s are a period of high earnings and high demands. This guide covers pension maximisation, the protection gap, school fees, property equity, trust planning, and calculating your financial independence number.
Read article →Financial PlanningFinancial Planning in Your 50s: The Decade That Defines Your Retirement
Your 50s are the final, highest-stakes window for retirement preparation. This guide covers pension contributions, mortgage decisions, life insurance review, long-term care planning, and building your retirement income picture.
Read article →Financial PlanningFinancial Planning in Your 60s: Navigating the Transition to Retirement
The critical financial decisions of your 60s: drawdown vs annuity, sequencing risk, bridging to state pension, income tax comparison, estate planning urgency, and protecting against care fee costs.
Read article →Financial PlanningFinancial Planning After a Serious Illness Diagnosis
A serious illness diagnosis forces urgent financial decisions at the worst possible moment — here is what to prioritise, what to avoid, and how to protect your family's financial security.
Read article →Financial PlanningManaging Sudden Wealth: A Financial Planning Guide for Windfall Recipients
How to manage a large windfall — whether from inheritance, business sale, compensation, or lottery — without making costly mistakes: the right immediate steps, tax planning, investment approach, and the emotional dimension of sudden wealth.
Read article →Wealth ManagementPlanning a Financial Windfall: The First 90 Days After Receiving a Large Sum
The first 90 days after receiving a large sum of money are critical — poor decisions made in haste can cost more than the tax bill, while a clear framework protects and grows new wealth.
Read article →Expat LifeHow Fintech Has Transformed Banking for Internationally Mobile Professionals
A decade ago, living across multiple countries meant expensive SWIFT transfers, single-currency accounts, and branch-only service. Fintech has changed all of that. Here is what the modern multi-country banking stack looks like and where the limits of all-fintech still lie.
Read article →InvestmentsInvesting in Fintech in 2026: Opportunities, Risks, and Where the Cycle Stands
After the brutal correction of 2022-2023, fintech valuations have stabilised and selective opportunities have emerged. Here is how to think about fintech as an asset class in 2026.
Read article →Financial PlanningFIRE for Expats: Financial Independence, Retire Early and Living Abroad
How high-earning internationally mobile professionals can use the FIRE movement's principles — adapted for multi-currency, multi-jurisdiction realities — to achieve early financial independence.
Read article →Financial PlanningFive Questions to Ask Your Financial Adviser Before You Commit
Not all financial advisers are equal — and in the international space, the gap between good and poor advice can cost you significantly. Here are five questions that reveal the difference.
Read article →Wealth ManagementFive Reasons Expats Lose Money Using the Wrong Financial Adviser
Five common and costly mistakes expats make when choosing financial advisers — and how to avoid them.
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.