Retirement Planning for UN Professionals: Are Private Pensions the Right Solution?
For professionals working within the United Nations system, retirement planning is rarely straightforward. While a career with the UN offers distinct advantages, it can also create structural gaps in long-term retirement provision. Consultants and those on short- or medium-term contracts are often outside the United Nations Joint Staff Pension Fund (UNJSPF), or may not accumulate […]
Monaco – A Gateway to Elite European Residency
Nestled between the Mediterranean Sea and the French Alps, Monaco has long been synonymous with prestige, discretion and financial sophistication. For high-net-worth individuals, residency in this principality represents more than lifestyle — it can form part of a wider wealth planning and international structuring strategy. While commonly referred to as a “Golden Visa”, Monaco does […]
Gibraltar to Regain Freedom of Movement: What It Means for Financial Planning
The confirmation that Gibraltar will regain freedom of movement into Spain within days marks one of the final legal chapters of the Brexit process. For many, this may appear to be a technical or political development. For those of us working in cross-border financial advice, however, it is far more significant. Gibraltar’s unique status — […]
The Great Wealth Migration: Why the World’s Rich Are Relocating at an Unprecedented Pace
In recent years, wealthy individuals and families have been relocating across international borders at rates some experts describe as historically elevated. While wealthy migration is not new, the combination of geopolitical uncertainty, tax policy shifts, and global mobility has accelerated movement among the ultra-high-net-worth (UHNW) population, reshaping national wealth patterns and prompting fresh strategies in […]
Final Salary Pension Lump Sum Advice: Key Considerations for UK Expats
What Is a Final Salary Pension Lump Sum Withdrawal? A final salary pension—also known as a defined benefit (DB) pension—is a traditional UK workplace scheme that pays a retirement income based on your salary and length of service, under the rules of the specific scheme. DB pensions are primarily designed to provide a secure income […]
Defined Contribution Pension Lump Sum Withdrawals for UK Expats: Rules, Tax, and Overseas Considerations
This article is provided for general information only and reflects our understanding at the date of publication. The article is intended to explain the topic and should not be relied upon as personalised financial, investment or tax advice. We work with clients in multiple jurisdictions, each with different legal, tax and regulatory regimes. This article […]
Healthy Financial Habits for Expats in 2026: Build a Plan That Survives Real Life
Every January, the same thing happens. Expats tell themselves this is the year they will finally get organised.This is the year they’ll review their investments, start saving properly, think about retirement, or untangle the financial mess that has quietly grown in the background. And every year, life wins. Work gets busy. Travel picks up. Kids, […]
Strategic Financial Planning for Life in Portugal in 2026 and Beyond
As we move into 2026, many British expatriates living in Portugal are taking the opportunity to reassess whether their financial planning remains aligned with their long-term needs, lifestyle goals and plans for their family. Ongoing changes to taxation, pensions and inheritance rules both in Portugal and the United Kingdom, mean that strategies which once worked […]