pension

If you’re planning to relocate abroad, find out how a UK-qualified financial adviser can help you prepare. Learn about tax residency, Double Taxation Agreements (DTAs), the Statutory Residence Test (SRT), offshore accounts, and how to structure assets before you leave.

There are five essential qualities of a good offshore financial planner for HNW expats. From governance and evidence-based investing to multi-jurisdictional expertise, discover what sets the best apart.


Thanks to advances in medicine, better living standards, and lifestyle awareness, many of today’s expats could easily live well into their 90s—or even past 100. While that’s good news for health and family, it presents a major financial challenge: How do you ensure your wealth lasts as long as you do?

Discover what makes the best offshore financial advisers for UK expats. Explore key qualities such as regulation, cross-border expertise, and transparency, with guidance tailored for HNW families.


The Budget will take place on Wednesday 26 November, the chancellor has announced. With the UK shifting from a domicile-based to a residence-based tax system, the 2025 Budget is likely to bring further adjustments that expats need to watch closely.

The UK government is set to raise the Normal Minimum Pension Age (NMPA) from 55 to 57, effective 6 April 2028. This change will impact when individuals can begin drawing from their private pensions, including personal and workplace defined contribution schemes.

Individual Savings Accounts (ISAs) are one of the most tax-efficient investment wrappers available to UK residents. But what happens when you move abroad? If you're a British expat or simply no longer living in the UK, it's important to understand how your ISA is affected—and what you can and can't do with it going forward.

When it comes to international tax planning, one of the most misunderstood concepts is tax residency. It's not as simple as where you live or how many days you spend in a particular country. In fact, tax residency is one of the most nuanced areas of international law — and misunderstanding it can be a costly mistake. In this article, we’ll break down what the rules are, who they apply to, and how they affect income tax and capital gains tax (CGT) for those who return to the UK within a short time after becoming non-resident.

As we approach six months since Labour’s budget in October, the financial landscape continues to evolve. The key tax changes—initially proposed by the Conservative government and now implemented by Labour—have already had a significant impact. In particular, the radical adjustments to inheritance tax (IHT) have led to a wave of high-net-worth individuals leaving the UK in 2024. While some aspects of the new tax regime remain unclear, this blog summarises the key developments

A Self-Invested Personal Pension (SIPP) is a type of UK pension that allows individuals to take control of their retirement savings by selecting their own investment options. While SIPPs offer greater flexibility compared to traditional pension schemes, many investors work with financial advisers to access a broader range of investment choices.

For those approaching retirement age, deciding when to start taking the UK State Pension is a crucial financial decision. While many individuals opt to claim their pension as soon as they become eligible, deferring it can lead to increased payments over time. Understanding how this works can help retirees make informed choices about their financial future.

More and more people are relocating for work or retirement. As a result, individuals moving overseas often prefer to transfer their UK pension benefits rather than leaving them in the UK. Likewise, those moving to the UK might want to bring their overseas pension benefits with them. Understanding the impact of such transfers is crucial.

The market response to Labour winning the election was pretty calm, with minimal financial market ripples. The lack of movement was unsurprising given the overall result had already been priced in.

As you approach retirement, one of the significant decisions you'll face is how to access your pension commencement lump sum (PCLS). While it might be tempting to take the entire amount in one go, there are several benefits to accessing your PCLS in stages.

No more National Insurance nightmares! The UK Government's new online tool simplifies checking and topping up your NI record. Here's how...

Have you ever wondered why investing in the stock market can yield higher returns than just keeping your money in a savings account or fixed-term deposit? The answer lies in the Equity Risk Premium (ERP).

The journey towards financial freedom is a marathon, demanding patience, discipline, optimism, and regular progress checks.

Inheritances could be a ticking time bomb in family dynamics. But you can dodge family squabbles and pricey legal battles.