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UK Budget 2025: What the Class 2 NIC Removal Means for British Expats

UK Budget 2025: What the Class 2 NIC Removal Means for British Expats

by SJB Global | Jan 28, 2026 | Expat Financial Planning, George Symes, Pensions, Retirement Planning, UK

The UK government has confirmed a major change to the way British expats can build their state pension entitlement. From 6 April 2026, access to Class 2 Voluntary National Insurance Contributions (VNICs) will be removed for most people living abroad. At the same time,...
How Digital Behaviour Is Reshaping Global Fraud Risks

How Digital Behaviour Is Reshaping Global Fraud Risks

by SJB Global | Dec 18, 2025 | Cybersecurity, Expat Financial Planning, Financial Crime, SJB Global

A new Cybercrime Report from LexisNexis provides a detailed view of how global fraud patterns are shifting. The report analyses more than 104 billion digital transactions and highlights a clear trend. Fraud is becoming more automated, more complex, and more closely...
Getting Married Abroad as an Expat: Financial and Legal Planning Essentials

Getting Married Abroad as an Expat: Financial and Legal Planning Essentials

by SJB Global | Dec 10, 2025 | Estate Planning, Expat Financial Planning, Inheritance Tax, SJB Global, Tax Planning

For many expats, getting married abroad feels natural. You might be living in a new country, blending cultures, or hosting a ceremony in a place that means something to both of you. But while the celebration may be simple, the cross-border rules behind marriage are...
Healthcare Options for U.S. Retirees Living Overseas — Healthcare for U.S. Expats

Healthcare Options for U.S. Retirees Living Overseas — Healthcare for U.S. Expats

by SJB Global | Oct 22, 2025 | Expat Financial Planning, Global Financial Topics, Guides, Healthcare & Insurance, Jake Barber

Healthcare is one of the most important considerations for American retirees planning to live abroad. Unlike in the United States, where Medicare and employer-provided insurance can cover much of your medical expenses, living overseas introduces unique challenges....
UK Expats: What a Cut to Tax-Free Pension Lump Sums Could Mean

UK Expats: What a Cut to Tax-Free Pension Lump Sums Could Mean

by SJB Global | Oct 21, 2025 | Expat Financial Planning, Justin Gauden, Pensions, UK

UK Chancellor Eyes Cut to Tax-Free Pension Lump Sums—What Expats Need to Know Reports suggest UK Chancellor Rachel Reeves is considering cutting back the tax-free element of pension lump sums in a bid to raise an additional £2bn annually. Currently, retirees can...
Taxes and Legal Considerations for American Retirees Abroad

Taxes and Legal Considerations for American Retirees Abroad

by SJB Global | Oct 17, 2025 | Cross-Border Tax, Estate Planning, Expat Financial Planning, Jake Barber, US Expats

Retiring abroad offers freedom and adventure, but it also introduces complex tax and legal considerations for American retirees. The U.S. is one of the few countries that taxes its citizens on worldwide income, meaning even living overseas doesn’t automatically exempt...
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The information provided on this website is for general information and educational purposes only and does not constitute financial, investment, tax or legal advice. Financial, pension and tax rules may change and their application can depend on individual circumstances and country of residence. Where appropriate, individuals may wish to seek advice from suitably qualified and authorised professionals before making financial decisions.

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The financial advisers trading under SJB are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed Representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) under licence number 3647.

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