Understanding Long-Term Investments and Market Volatility
Periods of market volatility can tempt investors to move money into cash or attempt to time the market. However, staying invested over the long term can often be associated with building wealth . However, it is important to recognise that investing also carries risk, and the value of investments can fall as well as rise, meaning […]
Budget Changes and the Renewed Case for Offshore Bonds
With tax rules tightening further following the Autumn Budget, investors are increasingly reviewing where their money is held — and whether more flexible structures can help reduce long-term tax drag. For UK investors, the direction of travel on taxation has become unmistakable. Frozen allowances, higher effective tax rates and the gradual narrowing of tax-efficient options […]
Business Relief: The Trust Planning Opportunity Ending in April 2026
Six steps every business owner should complete before the rules change Significant changes to Business Relief (BR) and the inheritance tax (IHT) treatment of BR-qualifying assets take effect on 6 April 2026. For business owners, this date creates a clear dividing line in estate and succession planning. Transfers that can currently be made with no […]
Death, Taxes and Why Life Cover Is Becoming More Important for Estate Planning
Tightening inheritance tax rules are making appropriate life insurance cover a more relevant part of many estate plans Life insurance is often misunderstood. When people think about term life cover, they understandably frame it in emotional terms — no one hopes to “get value” from a policy that only pays out if they are no […]
Pension Consolidation in 2026
How upcoming inheritance tax changes could make multiple pension pots more complicated than you expect Over the course of a working life, it is entirely normal to build up more than one pension. Career moves, employer changes and evolving workplace schemes mean many people finish their careers with a collection of pension pots spread across […]
Rising Inheritance Tax: Why Planning Ahead Matters More Than Ever
Inheritance tax (IHT) has steadily moved from being a concern for the few to a reality for many. Recent HMRC figures show receipts reaching £7.7bn between April 2025 and February 2026, with projections suggesting this could rise to £14.5bn by the 2030/31 tax year. In practical terms, this means more families will find themselves facing […]
Gibraltar’s Regulatory Shift: What EU Alignment Means for HNW Clients and International Expats
Gibraltar has entered a new regulatory phase. The publication of its first tranche of environmental legislation, designed to reflect obligations arising from the evolving UK–EU Framework relating to Gibraltar , signals more than incremental policy change. It marks the beginning of a structural shift, one that is expected to reshape how businesses operate, how assets […]
France Tax Changes 2026: What UK Expats Need to Know
Now that France has finalised its 2026 national budget, it is a good time to review what has — and has not — changed for French taxation this year. After significant delays caused by political deadlock, the Assemblée Nationale adopted the 2026 budget on 2 February. The government ultimately used its constitutional powers to push […]