International Financial Planning
Financial Planning Guides
373 in-depth guides covering all aspects of international financial planning for UK expats and globally mobile investors — from tax and estate planning to offshore investment structures and currency strategy.
Financial planning by country
Financial Planning Overview
Why international financial planning differs from domestic planning, and what to prioritise.
Financial Planning for Retirement Abroad
Retiring abroad requires a fundamentally different financial plan from a UK retirement — pensions, healthcare, currency, estate planning and property all need a coordinated international approach.
Read guide →Financial Wellbeing for Internationally Mobile Families
Financial wellbeing is not just about returns and tax efficiency — it is about reducing stress, building alignment between partners, and giving every family member the knowledge and confidence to make good financial decisions.
Read guide →Financial Wellbeing for Internationally Mobile Individuals and Families
Financial wellbeing for expats means more than numbers on a spreadsheet. It requires clarity across currencies, systems, and borders — and an honest relationship with money that supports long-term decisions rather than short-term anxiety.
Read guide →Why Expats Need International Financial Planning
Domestic UK financial planning simply does not travel — here is why internationally mobile individuals need a different approach.
Read guide →Wealth Management
Portfolio construction, asset allocation, and ongoing management for high-net-worth expats.
Asset Allocation for International Investors
Asset allocation is the most important driver of long-term investment returns — for internationally mobile investors, it needs to reflect multi-currency needs and cross-border tax considerations.
Read guide →Asset Protection Strategies for High-Earning Professionals
High-earning professionals — surgeons, solicitors, architects, accountants — face career-defining liability risks. Professional indemnity insurance is the first line of defence, but it is not infallible. Legitimate asset protection planning, put in place well before any liability arises, can ensure your personal wealth survives a worst-case scenario.
Read guide →Banking for Internationally Mobile Entrepreneurs: Business Account Options
Business banking is one of the most practical challenges for internationally mobile entrepreneurs — traditional banks are increasingly cautious about international structures, making knowledge of EMI alternatives, multi-currency solutions and onboarding requirements essential.
Read guide →Cash Flow Modelling in Financial Planning
Cash flow modelling projects your financial future over 30–40 years, testing retirement scenarios, spending assumptions, and investment returns. It replaces guesswork with structured analysis and underpins all significant financial planning decisions.
Read guide →Cash Flow Modelling in Financial Planning: What It Is, How It Works, and Why It Matters
A cash flow model is a lifetime financial projection that shows whether your money will last. Understanding how these models work — their inputs, outputs, limitations, and stress tests — helps you engage with financial advice more effectively.
Read guide →Choosing a Wealth Manager as an Expat: Key Criteria and Questions to Ask
Selecting the right wealth manager as an internationally mobile expat requires different criteria from a domestic investor. This guide explains what to look for, what questions to ask, and the common mistakes to avoid.
Read guide →Consolidated Reporting for Family Wealth: Aggregating Assets Across Custodians and Jurisdictions
Wealthy families with assets spread across multiple custodians, currencies, and jurisdictions often lack a clear picture of their total financial position. Consolidated reporting brings this together — enabling better decisions, clearer tax reporting, and genuine oversight of risk.
Read guide →Family Constitution and Governance for Wealthy Families
How to create a family constitution that codifies values, governance structures, and wealth management principles — and why it is one of the most important investments a wealthy family can make in preserving its wealth across generations.
Read guide →Family Governance and the Family Charter: Structuring Wealth Across Generations
A guide to family governance for wealthy families: family charter, family council, investment committee, next-generation education, independent directors, managing family conflict, and planning succession of authority.
Read guide →Family Office Staffing and Governance: Roles, Compensation, and Organisational Structure
Getting the staffing and governance structure right is one of the most critical and least discussed challenges in running an effective family office. This guide covers typical roles, compensation benchmarks, insourcing vs outsourcing trade-offs, and family governance frameworks.
Read guide →Family Office Structures: Single-Family vs Multi-Family Office Models
A clear comparison of single-family office and multi-family office structures — covering costs, governance, services, and the wealth thresholds at which each model makes sense.
Read guide →Fee Structures in International Wealth Management: What to Look for and Watch Out For
International wealth management fees are complex, layered, and not always transparent. This guide explains the main fee types, how to evaluate total cost of ownership, and the questions every HNW client should be asking.
Read guide →Financial Planning Through Divorce: Protecting and Restructuring Your Wealth
Divorce triggers complex decisions about pensions, property, tax, and estate planning. This guide covers financial disclosure, pension sharing, property options, CGT rules, and the international elements that often arise for high-net-worth separations.
Read guide →Financial Planning for Divorce as an Internationally Mobile Individual
Divorce involving internationally mobile individuals is among the most complex area of financial planning — multiple legal systems, offshore assets, and competing jurisdictions can each produce dramatically different financial outcomes.
Read guide →Financial Planning for Entrepreneurs and Business Owners Who've Relocated Abroad
Entrepreneurs face financial planning challenges that differ fundamentally from salaried professionals: concentrated risk, volatile income, and the transformational moment of a business sale. Getting the planning right — before the exit — matters enormously.
Read guide →Financial Planning with Variable Income: A Guide for the Self-Employed and Commission-Based Professionals
How to build a robust financial plan when your income is unpredictable: baseline income strategy, payment on account planning, pension timing, and using business structures to smooth earnings.
Read guide →Fixed Fee vs Percentage-Based Financial Advice: Which Is Right for You?
The financial advice industry has operated on a percentage-of-assets model for decades — but as portfolios grow larger, HNW clients are increasingly asking whether they are getting value for money. This guide compares fixed-fee, hourly, and AUM-based models, and explains which structure typically favours clients at different wealth levels.
Read guide →How a Comprehensive Wealth Review Works
A comprehensive wealth review goes far beyond reviewing your investment portfolio. It audits your entire financial position and produces a prioritised action plan covering tax, protection, pensions, estate planning, and legal documents.
Read guide →How to Select a Private Bank: A Guide for High-Net-Worth Clients
A practical guide to selecting a private bank: defining your requirements, running an RFP process, understanding fee structures and GIPS reporting, CASS client money segregation, and managing a switch between providers.
Read guide →Inflation and Long-Term Financial Planning: Protecting Your Wealth's Real Value
Inflation is the silent threat to every long-term financial plan. Understanding how it erodes purchasing power, which assets provide genuine protection, and how to structure a plan that is robust across the inflation cycle is essential for any serious wealth strategy.
Read guide →Get a free financial planning review
Our independent advisers specialise in expat and internationally mobile clients — investments, tax planning, estate planning, pensions, and offshore structures.
Speak to an adviser
Our guides provide the framework — but every expat's financial position is different. Book a free review with one of our international financial planners to get advice specific to your situation.