International Financial Planning
Financial Planning Guides
670 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.
Philanthropy & Charitable Giving
Gift Aid, donor-advised funds, private foundations, charitable trusts and legacy giving.
Setting Up a Charitable Foundation in the UK: A Complete Guide
A practical guide to establishing a UK charitable foundation: legal structures, Charity Commission registration, trustee duties, investment policy, and how donor-advised funds compare.
Read guide →Social Impact Bonds and Structured Philanthropy for HNW Donors
Beyond traditional charitable giving — how social impact bonds, programme-related investments, and blended finance structures allow HNW donors to combine financial returns with measurable social outcomes, and the UK tax treatment of each approach.
Read guide →Tax-Efficient Charitable Giving: A Complete Guide for UK Taxpayers
How to give to charity in the most tax-efficient way possible — from Gift Aid and carry-back to gifts of shares and land, payroll giving, charitable legacies in wills, and the choice between donor-advised funds and private foundations.
Read guide →Venture Philanthropy and Impact Investing Explained
Impact investing and venture philanthropy occupy the space between traditional charitable giving and commercial investment. This guide explains the spectrum from DAF grant-making to market-rate impact funds, how social return on investment is measured, and the practical entry points for HNW donors who want their capital to do more than generate financial returns.
Read guide →Retirement Planning
Retirement income across borders — drawdown, pensions, property, healthcare and long-term care.
Annuities for Expats: A Complete Guide
What annuities are, how they work, current rate context, impaired life annuities, and the specific considerations for expats deciding between annuity and drawdown.
Read guide →Armed Forces Pension Planning: A Guide to AFPS 15 and Beyond
A comprehensive guide to the Armed Forces Pension Scheme 2015 (AFPS 15): accrual rate, preserved pension, commutation, Early Departure Payments, interaction with SIPPs, death benefits, and QROPS for personnel living abroad.
Read guide →At-Retirement Financial Planning: The Complete Checklist
The year you retire is one of the most financially consequential in your life. This comprehensive checklist covers State Pension deferral decisions, pension consolidation, DB versus DC choices, ISA and pension drawdown sequencing, death benefit nominations, insurance review, and will update — everything a UK retiree needs to address.
Read guide →Building a Sustainable Retirement Income Strategy for International Investors
A structured approach to building sustainable, multi-currency retirement income for internationally mobile individuals.
Read guide →Cognitive Decline Planning: Financial Safeguards for Retirees Abroad
Practical steps internationally mobile retirees can take to protect their finances against the risk of cognitive decline, including legal structures, trusted contacts and financial simplification.
Read guide →Company Pension vs Personal Pension: The Choice for Business Owners
For business owners and internationally mobile executives, the choice between a company pension scheme and a personal pension is one of the most consequential financial planning decisions — and it is rarely straightforward.
Read guide →Coordinating UK Pension and Overseas Property in Retirement
How to manage the complex interaction between UK pension drawdown and overseas property income in retirement — tax residence, double taxation treaties, currency risk, sequencing strategy, and the IHT implications of a mixed asset base.
Read guide →Decumulation Strategies for International Retirees
How to structure the drawdown of retirement assets across multiple currencies, jurisdictions and tax regimes to make your money last.
Read guide →Decumulation Strategies: Managing Your Retirement Portfolio
The decumulation challenge: why spending accumulated wealth is harder than accumulating it, and how to structure withdrawals for maximum tax efficiency, longevity, and adaptability across borders.
Read guide →Early Retirement Planning for Internationally Mobile Individuals
How internationally mobile individuals can plan effectively for early retirement — and the specific challenges they face beyond the standard FIRE playbook.
Read guide →Emergency Fund Planning for Internationally Mobile Retirees
Why the standard emergency fund guidance is insufficient for internationally mobile retirees, and how to size and structure liquid reserves for a borderless retirement.
Read guide →Equity Release in Retirement Planning: A Complete Guide
Equity release allows homeowners aged 55 and over to access property wealth without selling their home. This guide explains lifetime mortgages and home reversion plans, how interest roll-up works, the IHT planning uses of equity release, and the alternatives you should consider before proceeding.
Read guide →Financial Planning in Later Life: A Guide for Your 70s and 80s
Financial planning in your 70s and 80s is less about accumulation and more about preserving wealth, ensuring reliable income, funding potential care costs, and organising your affairs for those who will inherit. This guide covers decumulation in late life, simplifying portfolios, natural income strategies, cognitive decline planning, and digital legacy.
Read guide →Healthcare Costs in Retirement Abroad: Planning and Insurance
A comprehensive guide to planning for healthcare costs as an international retiree — from insurance selection to self-insuring and managing costs across ageing.
Read guide →Healthcare Planning for Retirement Abroad
The three tiers of healthcare cover in international retirement: state systems, International Private Medical Insurance, and long-term care planning — with costs, providers, and planning strategies.
Read guide →How Much Do You Need to Retire Abroad? A Country-by-Country Analysis
A realistic cost analysis for retiring in the most popular international destinations, from Southeast Asia to Southern Europe and the Middle East.
Read guide →International Pension Planning for Long-Term Expats
How to manage and consolidate pension entitlements accumulated across multiple countries — UK, US, Australia, Europe — reconciling access ages, tax treatment, and income sequencing for a globally mobile retirement.
Read guide →Long-Term Care Planning for Expats and International Retirees
How to plan for the financial cost of care needs in later retirement when living abroad, including insurance options, self-funding strategies and choosing a care location.
Read guide →Long-Term Care Planning for Expats and Internationally Mobile Individuals
How internationally mobile individuals can plan for long-term care costs — comparing destinations, insurance options, and integrating care into the retirement income plan.
Read guide →Longevity Risk: Planning for the Risk of Outliving Your Money
Longevity risk explained: why we consistently underestimate how long we will live, and how to build a retirement income plan that lasts — even if you live to 95 or beyond.
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.
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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.