Thanks to advances in medicine, better living standards, and lifestyle awareness, many of today’s expats could easily live well into their 90s—or even past 100. While that’s good news for health and family, it presents a major financial challenge: How do you ensure your wealth lasts as long as you do?

Flag Theory is a strategy for international living and wealth planning. Think of it as planting “flags” (residency, citizenship, banking, investments, business, lifestyle) in different countries to reduce taxes, protect your assets, and increase freedom.


Discover what makes the best offshore financial advisers for UK expats. Explore key qualities such as regulation, cross-border expertise, and transparency, with guidance tailored for HNW families.


One of the most common concerns for British expatriates is: “Will I end up paying tax twice on the same income?” This fear is valid. Without proper planning, an expat could find themselves liable to tax in both their home country (the UK) and their country of residence.

Adopting a glass-half-full attitude to markets is not just motivational; it’s grounded in economic history.

In today’s world of automatic data exchange, statutory data‑gathering powers, and digital analytics, HMRC has more visibility than ever. Here’s a plain‑English overview you can trust.

The Budget will take place on Wednesday 26 November, the chancellor has announced. With the UK shifting from a domicile-based to a residence-based tax system, the 2025 Budget is likely to bring further adjustments that expats need to watch closely.

Planning to sell your UK business and relocate overseas? The order in which you move and sell can make or break your tax bill. Learn how to structure your exit to avoid unnecessary UK capital gains tax. In this article, we’ll break down what the rules are, who they apply to, and how they affect income tax and capital gains tax (CGT) for those who return to the UK within a short time after becoming non-resident.

Talk of a UK wealth tax is back in the headlines — and recent developments suggest this is no longer just political noise. In the last few weeks, senior political figures and commentators have floated serious proposals to introduce a new tax on net wealth in the UK, aimed at narrowing the widening fiscal gap. While no formal legislation is in place yet, the direction of travel is clear — and for high-net-worth individuals (HNWIs), the window for proactive planning may be narrowing.

If you’ve moved abroad — or are thinking about it — to reduce your exposure to UK inheritance tax (IHT), a major change is on the horizon. From 6 April 2025, the UK is abolishing the concept of domicile for tax purposes. In its place comes a new Long-Term Resident (LTR) test — and it has far-reaching implications, particularly those hoping to mitigate IHT.

For decades, individuals have been captivated by property, often seeing buy-to-let as a guaranteed way to get rich. But is it really that simple?

The UK government is set to raise the Normal Minimum Pension Age (NMPA) from 55 to 57, effective 6 April 2028. This change will impact when individuals can begin drawing from their private pensions, including personal and workplace defined contribution schemes.

When it comes to long-term investing, countless studies point to one clear conclusion: your asset allocation is the single biggest determinant of portfolio performance. Among all asset classes, equities have historically delivered the strongest returns over time.

Gold has long been seen as the ultimate "safe haven" — a store of value in uncertain times. But when we compare its long-term performance to other asset classes like global equities, the data tells a very different story.

I’m delighted to share that I recently contributed to a feature in This is Money, exploring a real-life question around cross-border inheritance.

“Can’t I just give my house to my children now and avoid inheritance tax later?” It sounds like a straightforward way to reduce your estate’s taxable value. But in practice, gifting your home can be one of the most misunderstood and misapplied strategies in estate planning.

Individual Savings Accounts (ISAs) are one of the most tax-efficient investment wrappers available to UK residents. But what happens when you move abroad? If you're a British expat or simply no longer living in the UK, it's important to understand how your ISA is affected—and what you can and can't do with it going forward.

When it comes to international tax planning, one of the most misunderstood concepts is tax residency. It's not as simple as where you live or how many days you spend in a particular country. In fact, tax residency is one of the most nuanced areas of international law — and misunderstanding it can be a costly mistake. In this article, we’ll break down what the rules are, who they apply to, and how they affect income tax and capital gains tax (CGT) for those who return to the UK within a short time after becoming non-resident.