As featured in
Life brings big questions.
Whether your life is rooted in the UK or spread across several countries, these are the questions clients bring most often.
Will my pension now be caught by inheritance tax?
From April 2027, most unused pension funds and death benefits are expected to fall within the scope of inheritance tax. That makes the way you draw, gift and structure your wealth an increasingly important part of retirement and estate planning.
What is the most tax-efficient way to draw from my pensions and investments?
The order you draw from pensions, ISAs and other savings matters. Planned well, the income lasts longer and less of it goes in tax, wherever you are resident.
How do I structure wealth across more than one country?
Every country has its own tax and reporting rules. The aim is one coherent plan that brings your UK and overseas assets together, and stays compliant in each.
Am I invested sensibly for growth, risk and access to cash?
Evidence-based, globally diversified portfolios, built around your goals and how soon you will need the money, without unnecessary complexity or cost.
When can I afford to stop working?
Whether you stay in the UK, step back from a business or retire abroad, cashflow planning shows what financial independence looks like for you, and when you can have it.
How will the latest tax changes affect me?
Frozen allowances, pension and inheritance tax reform, and the new residence-based rules for anyone with ties abroad. Your plan should get ahead of each change, not react to it.
The Drawdown Atlas
If the retirement questions above are the ones on your mind, the Atlas goes into them properly. A plain-English, fully interactive guide to making your money work through retirement: withdrawal sequencing, sequence risk, annuities, inheritance tax, and the international dimension. Free to read, with no sign-up.
Open the Atlas →Know what enough looks like. Wealth gives you choices, but that doesn’t always make the decisions easier. The plan shows what you need, what you can comfortably spend and what you are unlikely to need.
Test the big decisions. Retire earlier. Buy the property. Help your children. Give money away. We can model those decisions before you make them and see what each one means for the rest of the plan.
Understand what each decision changes. With more wealth, the question is rarely whether you can afford something in isolation. It is what that decision changes elsewhere. Planning lets you see the trade-offs properly before deciding what is worth doing.
Tax shouldn’t be an afterthought. How and where you hold wealth, when you take income or realise gains, and how you eventually pass it on can change the outcome considerably. Those decisions belong in the plan from the beginning, not once everything else has already been decided.
Make the investments answer to the plan. How you invest should be driven by what the money needs to achieve, not by a generic risk score or the pursuit of returns for their own sake. The right portfolio is the one that does the job you actually need it to do.
Personal advice, supported by Hoxton Wealth.
See what your money makes possible
The interesting question isn’t simply how much you have. It’s what you can do with it.
We can test the decisions that matter before you make them – what you can afford to spend, give away or commit elsewhere, and what that means for the rest of your wealth.
Projections are illustrations based on assumptions, not guarantees.
Jessica Cook Chartered MCSI
Financial Planner for UK Residents and Specialist in Cross-Border Wealth for International Professionals & Globally Mobile Families
Hello, I’m Jessica.
Financial planning begins with your life, not your money. I help international professionals and families design their wealth with purpose, so they can enjoy today while protecting tomorrow.
I’m Jessica Cook, Chartered MCSI, featured in the Times Guide to the UK’s Top-Rated Financial Advisers. I specialise in international financial planning, cross-border wealth management, and tax-efficient strategies for UK residents, expatriates and globally mobile families.
Writing for The Times
Jessica is a regular columnist for the Money section of The Times, writing on pensions, inheritance tax, investing and the decisions government policy forces on ordinary families.
“Excellent article from a front-line practitioner.”
Reader comment, The Times
Recent columns
What clients say
4.9 out of 5 from 45 verified reviews on VouchedFor
“Jessica helped with everything. She was incredibly thorough and left no stone unturned to ensure she fully understood our requirements. She was incredibly proactive, informative and I felt that she was operating at all times with our best interests in mind.”
Verified by VouchedFor
“As a retired financial adviser myself, I approached this relationship with high expectations. What I was looking for — and found in Jessica — was someone who listens carefully, reflects before responding, and brings both experience and confidence to the conversation. She provides not just sound advice, but also the kind of constructive challenge that makes you think.”
Verified by VouchedFor
Areas we can plan for
Retirement and drawdown
Cashflow planning, pensions and a strategy for drawing income from your wealth.
Tax planning and structuring
Tax-efficient planning across your investments, pensions and wider wealth.
Passing on wealth
Estate planning, gifting and planning for the next generation.
Living and retiring across borders
Planning for the financial and tax implications of living, moving or holding wealth internationally.
