Insights

Offshore Insurance Bonds for EU Residents: Check the Regulatory Position Before You Buy

EU residents considering Isle of Man or Channel Islands investment bonds should check insurer permissions, distribution rules, local tax treatment and consumer protections before investing.

Mirror Wills or Mutual Wills? There’s a Big Difference

Mirror wills and mutual wills can look similar but have very different legal consequences. Couples should understand flexibility, enforceability and the risks before choosing.

Sometimes the Best Financial Advice Is to Do Nothing

Good financial advice is not always a product recommendation. Sometimes the most valuable conclusion is that an existing arrangement should be left alone.

The ‘Sure Bet’: Why Conviction Can Be Dangerous in Investing

There are no guaranteed market winners. The more certain an investment story sounds, the more important it is to test concentration, valuation and downside risk.

UK Pensions and Inheritance Tax from 2027: Why Your Will Needs a Review

From 6 April 2027 most unused pension funds will enter the UK IHT calculation. Here is why wills, beneficiary nominations and estate liquidity should be reviewed together.

UK Inheritance Taxes: When Expensive Actions Aren’t Needed

Offshore trusts are not automatically good for UK inheritance tax planning. First establish which assets are actually within the UK IHT net.

Why UK Pension Advice Expertise Matters When You Live Abroad

Advisers for UK pensions overseas require more than a local licence. Qualifications, pension expertise and cross-border experience are essential.

Who Wins in a Trade War?

In a trade war, there are rarely clear "winners" in the traditional sense. Instead, the outcomes are often complex and can have negative consequences for all parties involved, including businesses, consumers, and economies.

Gold and Silver: Useful Protection — Dangerous if Misused

Gold and silver have a job in your portfolio: they are used as a hedge against losses, not to generate big returns.