intergenerational wealth transfer

Discover how high net worth families can adopt the structure and discipline of a modern family office. Learn the key principles for cross border tax planning, investment governance, succession and long term wealth management.

There are five essential qualities of a good offshore financial planner for HNW expats. From governance and evidence-based investing to multi-jurisdictional expertise, discover what sets the best apart.


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?

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.


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.

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.

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.

When it comes to money, tax is one of the most emotive subjects around. Everyone agrees we should all pay our fair share. But what constitutes “fair” is where things get murky, especially when the line between tax efficiency and tax avoidance gets blurred in the media.

As we approach six months since Labour’s budget in October, the financial landscape continues to evolve. The key tax changes—initially proposed by the Conservative government and now implemented by Labour—have already had a significant impact. In particular, the radical adjustments to inheritance tax (IHT) have led to a wave of high-net-worth individuals leaving the UK in 2024. While some aspects of the new tax regime remain unclear, this blog summarises the key developments

For UK expats considering or already living abroad, inheritance tax (IHT) planning is becoming an increasingly critical aspect of wealth management. The UK’s recent shift from a domicile-based taxation system to a residence-based framework, coupled with the 2027 change that will subject pensions to IHT, means expats need to reassess their estate planning strategies.

The recent UK Autumn Budget has introduced significant changes to inheritance tax (IHT), reshaping estate planning strategies for individuals with substantial wealth. Among the key changes are the taxation of UK situs assets for non-residents after 10 out of 20 years and the introduction of IHT on pension funds from 2027. These developments have driven a surge in interest in whole-of-life (WOL) and term insurance policies as tools to mitigate potential IHT liabilities.

The UK pension system has long been a vital tool for retirement planning, but the upcoming 2027 changes to inheritance tax (IHT) on pensions are set to reshape how retirees should think about their pension wealth.

One of the most useful approaches to structuring assets for IHT planning is the Green, Yellow, Red framework. This simple yet powerful method categorizes wealth into three distinct tranches based on necessity and intent, allowing for clearer decision-making when implementing tax-efficient strategies.

In 2025, individuals are taxed at a rate of 40% on any assets exceeding £325,000 – a figure known as the nil-rate band. For those leaving a family home to direct descendants, there’s an additional £175,000 allowance called the main residence nil-rate band. Combined, this means a person can pass on up to £500,000 tax-free.

Inheritances could be a ticking time bomb in family dynamics. But you can dodge family squabbles and pricey legal battles.

Did you know that your Will doesn't directly cover the money in your pension pots, nor who inherits it? So informing your pension providers about your desired beneficiaries is absolutely essential.

Most of us have heard about the 7-year gifting rule in relation to UK IHT planning. But the '7-year rule' isn't the whole picture. You need to know about the '14-year rule' Here's why ..

From 6 April 2024, the LTA will be no more. Yet, it's not that straightforward. With the Lifetime Allowance removed, two new limits are being introduced, specifically to control tax relief on lump sums: