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.
Tax Planning
Residence, domicile, offshore structures, and cross-border tax efficiency for internationally mobile individuals.
UK Inheritance Tax: The Residence-Based Reform Explained
From April 2025, the UK replaced domicile as the connecting factor for inheritance tax with a long-term residence test. This fundamental change affects non-doms, excluded property trusts, and anyone who has lived in the UK for an extended period. Here is what you need to know.
Read guide →UK Non-Resident CGT on Property: Filing Requirements and Reliefs
Non-residents disposing of UK property must file an NRCGT return within 60 days of completion and pay any tax due — but reliefs including PPR and losses can reduce or eliminate the liability.
Read guide →UK Non-Resident Landlord Scheme: A Complete Guide
If you own UK property and live abroad, HMRC's Non-Resident Landlord scheme governs how your rental income is taxed. Registering is almost always in your interest. Here is how it works.
Read guide →UK Stamp Duty Land Tax Planning for Non-Residents and International Investors
Non-resident purchasers of UK property face a 2% SDLT surcharge on top of standard rates, but careful structuring can legitimately reduce the overall stamp duty burden.
Read guide →Using Investment Bonds for School Fees Planning
An offshore investment bond assigned to a child at 18 can fund university or earlier education costs at basic-rate tax — a significant saving for higher and additional rate taxpayers.
Read guide →VAT and GST for Internationally Mobile Business Owners
VAT and GST obligations for internationally mobile business owners are frequently misunderstood — where you are incorporated does not always determine where you must register for VAT, and the rules for digital services and B2B professional services across borders are complex.
Read guide →VAT for Internationally Mobile Businesses and Freelancers
Internationally mobile businesses and freelancers face complex VAT obligations across multiple jurisdictions — understanding the place of supply rules and registration thresholds is essential.
Read guide →VCT Planning: Venture Capital Trusts for Tax-Efficient Income
A practical guide to Venture Capital Trusts: 30% income tax relief, tax-free dividends, no CGT on disposal, Evergreen vs 5-year strategies, secondary market discounts, and suitability for higher-rate taxpayers.
Read guide →VCTs and EIS for Internationally Mobile Investors: What You Need to Know
VCTs and EIS schemes offer 30% income tax relief and CGT benefits — but you must be UK tax-resident to claim the relief. This guide covers the rules for internationally mobile investors, including risks when you hold these investments while non-resident.
Read guide →Venture Capital Trusts (VCTs) for UK-Connected International Investors
An in-depth guide to VCT tax reliefs, investment characteristics, and the specific planning considerations for investors with UK tax connections who live or operate internationally.
Read guide →Wealth Management in the UK for Non-Domiciled Residents: 2025 Reform Guide
The non-domicile tax regime was fundamentally reformed in April 2025. This guide explains what changed, what planning remains available, and how non-dom residents should structure their wealth in the new environment.
Read guide →Estate Planning & Succession
Wills, trusts, IHT, succession planning, and cross-border estate law for internationally mobile individuals.
Asset Protection Planning for Internationally Mobile Individuals
Asset protection planning is about preserving family wealth from foreseeable future risks — it must be put in place before a claim arises to be effective.
Read guide →Bare Trusts in UK Tax Planning: Uses, Advantages, and Pitfalls
Bare trusts are the simplest form of trust in English law, offering significant tax planning flexibility — particularly for holding assets for minors and for CGT purposes. This guide explains what bare trusts are, how they are taxed, and their role in wealth planning for high-net-worth individuals.
Read guide →Building and Maintaining a Multi-Jurisdiction Asset Register
Why internationally mobile high-net-worth individuals need a comprehensive asset register, what it should contain, how it interacts with probate and succession planning across multiple jurisdictions, and how to keep it current.
Read guide →Business Property Relief and Agricultural Property Relief for IHT: Planning Strategies
How business property relief and agricultural property relief work in 2026, the impact of the reformed cap rules, and the planning strategies available for HNW individuals with business and agricultural assets.
Read guide →Business Succession Planning for International Business Owners
Every business eventually needs a transition plan. Whether you intend to sell, pass the business to family, or pursue a management buyout, the planning decisions made years before the event shape the financial outcome.
Read guide →Business Succession Planning for Internationally Mobile Business Owners
How internationally mobile business owners can plan the succession of their businesses — whether passing to family, management, or a third-party buyer.
Read guide →Business Succession vs Exit Planning for Internationally Mobile Owners
Selling a business, passing it to family and management buyouts each have fundamentally different tax implications — and for internationally mobile owners, the jurisdiction of residency at the point of exit can be as significant as the deal structure itself.
Read guide →Court of Protection Deputyship: Managing Finances When Capacity Is Lost
When someone loses mental capacity without having made a lasting power of attorney, the Court of Protection must appoint a deputy to manage their finances. This guide covers the deputyship application, the Office of the Public Guardian's supervision regime, deputy investment duties, conflict of interest, and the particular challenges around overseas assets.
Read guide →Cross-Border Succession Planning: Protecting Your Estate Across Multiple Jurisdictions
A practical guide to succession planning for internationally mobile individuals with assets across multiple countries.
Read guide →Deed of Variation: Post-Death Estate Planning Explained
A deed of variation allows beneficiaries to redirect an inheritance within two years of death, potentially saving significant inheritance tax and capital gains tax. This guide covers the mechanics, statutory requirements, disclaimer versus variation, and the most effective planning uses — including redirecting to trust or to charity.
Read guide →Deeds of Variation: Restructuring an Estate After Death for IHT Planning
A deed of variation allows beneficiaries to redirect inherited assets within two years of death, with the changes treated as if made by the deceased for IHT and CGT purposes. This guide covers conditions, IHT savings, CGT treatment, charitable variations, and multiple deeds.
Read guide →Discretionary Trusts vs Bare Trusts vs Interest in Possession Trusts
A clear comparison of the three main types of UK trust — discretionary, bare, and interest in possession — covering how they work, who they suit, and their different tax treatments.
Read guide →EU Succession Regulation (Brussels IV): What It Means for Expats in Europe
A plain English explanation of Brussels IV — the EU rule that determines which country's succession law applies to your estate — and what British and non-EU nationals living in Europe need to know.
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.