Cash ISA Cuts: Who Wins, Who Loses?
The Chancellor’s decision to cut the annual cash ISA allowance to £12,000, while exempting savers over the age of 65, has quickly become one of the most debated aspects of the Autumn Budget. Designed to encourage a shift toward investment-based savings, the move has divided opinion across the financial services landscape. Supporters argue that limiting […]
UK Budget Summary (Autumn 2025): Key Measures and Market Impact
Market Impact The Chancellor’s second Budget delivered a series of tax and welfare changes, with many details revealed earlier than planned as the Office for Budget Responsibility published its forecasts ahead of the speech. Below is a high-level overview of measures most relevant to individuals, investors and higher-value property owners. Headline Policy Changes Other Measures […]
Top 5 Tips for Protecting Your Wealth If You Move Abroad
Moving Abroad? Protect Your Finances Before You Go Relocating overseas opens the door to exciting new experiences — but it can also expose your finances to new risks. Currency shifts, unfamiliar tax systems, and differences in legal and regulatory frameworks can all affect your hard-earned wealth. Whether you’re retiring to the Algarve, working in Dubai, […]
Understanding Bonds: The Quiet Strength in Every Balanced Portfolio
The Backbone of Balanced Investing For decades, bonds have been seen as the quiet partner to equities – steady, dependable, and often underestimated. Yet the UK’s 2022 “mini-budget” and the more recent September 2025 spike in long-term bond yields to near thirty-year highs showed just how powerful this asset class can be. When bond markets […]
When Should You Start to Plan Financially for a Move Overseas?
Moving Abroad: Why Financial Planning Comes First Relocating overseas is one of life’s most exciting — and complex — decisions. Whether you’re retiring to the sun, taking up an international work opportunity, or seeking a lifestyle change, moving abroad involves more than booking flights and finding a new home. It’s also a major financial transition. […]
The Impact of Inflation on Long-Term Financial Planning
Inflation: The Silent Force Shaping Your Financial Future Inflation — the gradual rise in prices over time — is one of the most important factors to consider in long-term financial planning. While it often feels like an abstract economic term, its impact is very real: it determines how far your income, savings, and investments will […]
Life Doesn’t Stand Still — And Neither Should Your Financial Plan
Life is full of change. You might relocate for work, start a family, change careers, or face unexpected events that reshape your priorities overnight. Your financial plan should evolve just as you do — flexible, resilient, and ready to adapt to whatever life brings next. For expatriates, that flexibility is even more essential. Living abroad […]
Best Caribbean Islands for British Expats
Where to Live & Invest The Caribbean remains one of the most attractive destinations for British expats seeking a change of scenery, a relaxed lifestyle, and excellent investment opportunities. With its year-round warm climate, beautiful beaches, rich culture, and the potential for financial gain, it’s no wonder the Caribbean is a sought-after region for those […]