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.
Retirement Planning
Retirement income across borders — drawdown, pensions, property, healthcare and long-term care.
Sustainable Withdrawal Rates in Retirement: What the Research Says
The 4% rule is widely cited but poorly understood. For wealthy retirees with complex finances, a more nuanced approach to sustainable withdrawals is essential — especially with retirements that may last 30 years or more.
Read guide →The 3–5 Year Pre-Retirement Window: What to Do
The three to five years before retirement are the most critical in financial planning. Decisions made in this window lock in outcomes for 20–30 years. Getting the structure right before retiring — particularly if you plan to live abroad — saves significant tax and protects wealth.
Read guide →The 4% Rule for International Retirees: Does It Still Work?
A critical examination of the 4% withdrawal rule for international retirees — its origins, its limitations, and what a more globally-aware approach looks like.
Read guide →UK State Pension for Non-UK Residents and Expats: A Complete Guide
Everything non-UK residents and expats need to know about claiming, receiving, and maximising the UK State Pension from abroad.
Read guide →When to Retire: Planning Your Retirement Age
Financial and personal readiness for retirement, calculating your retirement number, break-even analysis of working longer, early retirement, phased retirement, and pension access age planning.
Read guide →Business Owners & Company Directors
Company sale and exit planning, share schemes, holding structures, MBOs and director remuneration.
Business Exit Planning: Getting Your Company Ready for Sale
A structured guide to preparing your business for a successful sale — covering valuation, structuring, governance, and the financial planning steps owners often overlook.
Read guide →Business Succession Planning for Cross-Border Family Businesses
How to plan the succession of a cross-border family business — governance, ownership transfer, multi-jurisdiction tax, family agreements, and the structures that make intergenerational wealth transfer work across borders.
Read guide →Business Succession Planning for Internationally Mobile Business Owners
Many high-net-worth business owners hold most of their wealth in an illiquid business. Without a succession plan, death or departure can destroy value. This guide covers exit options, timing, protection, and international holding structures.
Read guide →EMI Share Option Planning: A Practical Guide for Business Owners
Enterprise Management Incentives (EMI) are the UK's most tax-efficient employee share option scheme. This guide covers grant conditions, income tax treatment on exercise, vesting design, HMRC valuation, disqualifying events, and the comparison with CSOP.
Read guide →EMI Share Options: A Complete Guide for Founders and Key Employees
How EMI schemes work, qualifying conditions, the CGT and income tax treatment on exercise, comparison with CSOP and unapproved options, disqualifying events, HMRC valuation, and expat implications.
Read guide →Employee Ownership Trust (EOT) Succession Planning: A Complete Guide
The EOT offers a CGT-free route to exit a private business while rewarding the workforce that built it. This guide covers Finance Act 2014 structure, the 2024/25 reforms, seller conditions, financing, and HMRC scrutiny of hybrid arrangements.
Read guide →Employee Share Ownership Plans (ESOPs) for International Companies
How ESOPs work across jurisdictions — UK Employee Ownership Trusts, US ESOPs, and internationally-recognised employee equity structures — and the tax, governance, and succession planning considerations for international business owners.
Read guide →Employee Share Schemes and Tax Planning: EMI, CSOP, SAYE, SIP and Unapproved Options
A comprehensive guide to UK employee share schemes for HNW employees: EMI, CSOP, SAYE, and SIP — income tax vs CGT treatment, timing of exercise, interaction with BADR, and cross-border vesting for internationally mobile employees.
Read guide →Financial Planning Around a Business Sale: The Complete Guide for Entrepreneurs
Everything an entrepreneur needs to know about financial planning before and after a business exit: tax planning, structuring the sale, post-completion cash management, and the personal transition.
Read guide →Financial Planning for Company Directors: Remuneration, Pensions, and Exit
Director remuneration planning: salary and dividend optimisation, employer pension contributions, relevant life policy, director's loan accounts, IR35, benefits in kind, and exit planning for owner-directors.
Read guide →Financial Planning for Doctors and GPs: NHS Pension, Annual Allowance, and Practice Structuring
A comprehensive financial planning guide for NHS and private doctors: the NHS Pension Scheme sections, annual allowance tax charge issues, ISA vs SIPP trade-offs, private practice structuring, and professional insurance.
Read guide →Financial Planning for Entrepreneurs and Startup Founders
Early-stage founder financial planning: SEIS/EIS for personal investment, Founder and growth shares, EMI for key employees, holding company structures, salary vs dividends vs loan, exit planning with BADR, and personal protection before revenue.
Read guide →Financial Planning for Solicitors and Law Firm Partners
Financial planning for solicitors and equity partners: equity partnership tax, LLP structure, drawing profits vs capital, SIPP contributions from partnership income, professional indemnity, and SRA compliance considerations.
Read guide →Holding Company Structures for International Business Owners
A practical guide to international holding company structures for HNW business owners — jurisdiction selection, tax advantages, participation exemptions, treaty networks, and governance considerations.
Read guide →Intellectual Property (IP) Holding Structures for Global Businesses
How IP holding structures work for globally operating businesses — the legitimate use of IP holding companies, the BEPS/DEMPE framework, patent box regimes, and the compliance landscape as of 2026.
Read guide →International Joint Ventures: Financial and Tax Considerations
A practical guide to structuring international joint ventures — choice of JV vehicle, financing, profit sharing, tax treatment across jurisdictions, and exit planning for HNW investors and business owners.
Read guide →International Joint Ventures: Legal and Financial Planning Considerations
A guide to the legal structures, financial planning, and risk management considerations for HNW individuals and entrepreneurs entering international joint ventures.
Read guide →Management Buyout (MBO) Financing: A Guide for Business Owners
A practical guide to management buyout financing structures, deal mechanics, and the financial planning considerations for both selling owners and incoming management teams.
Read guide →Management Buyout (MBO) Financing: Structure, Capital Stack, and Key Considerations
An MBO allows a management team to acquire the business they run, typically backed by private equity and bank debt. This guide covers the capital stack, debt covenants, equity ratchets, due diligence, and W&I insurance.
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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.