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Fraud Notice:

Blacktower Financial Management have been made aware of certain fraudulent schemes that have been conducted by individuals or organisations claiming to represent Blacktower Financial Management Group of Companies. This type of fraud tends to occur through online services including bogus websites, social media accounts, or through unsolicited emails or text messages. The aim of the […]

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 […]

Portugal Tax Guide (2026): What British Expats Need to Know

Portugal continues to be one of the most attractive destinations in Europe for British expatriates. Its climate, lifestyle and welcoming international community make it a popular choice for retirees and internationally mobile professionals alike. But what does the Portuguese tax landscape look like in 2026, and have any major changes been introduced? The 2026 Portuguese […]

How UK Pensions Are Taxed in Portugal: What British Expats Need to Know

For many British retirees, Portugal continues to be one of Europe’s most attractive destinations. With its climate, lifestyle and welcoming international community, it offers an appealing environment for those looking to enjoy retirement abroad. However, relocating also introduces a number of financial planning considerations — particularly when it comes to how your UK pensions will […]

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 […]

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