by SJB Global | Aug 12, 2025 | Estate Planning, Justin Gauden, Pensions, Tax Planning
From April 6, 2027, UK law will include unused pension savings within the value of someone’s estate for Inheritance Tax (IHT) purposes. That means pensions – once seen as a tax‑efficient legacy tool – could now trigger an effective 67% tax hit for beneficiaries,...
by SJB Global | Aug 11, 2025 | Ben Eccles, Expat Financial Planning, Investments, Markets & Economy
If your portfolio soared in U.S. markets during Q2 but looked flat in euros or pounds, you’re not imagining things. Currency moves played a bigger role than many investors realise. In dollar terms, the numbers looked fantastic: S&P 500: +10.45% in USD MSCI World:...
by SJB Global | Aug 8, 2025 | Ben Eccles, Expat Financial Planning, Life & Protection Insurance
After years of analysing global markets and advising expats, I’ve seen one clear pattern: Many DIY investors don’t fail because they lack intelligence… they fail because they’re doing it alone. Managing pensions, taxes, and investments across borders is complex. And...
by SJB Global | Jul 31, 2025 | Expat Financial Planning, Jake Barber, Pensions, Tax Planning, UK
Starting in April 2027, pension holders in the UK could face a significant shock when it comes to inheritance tax (IHT). Changes in the 2024 UK Budget mean unused pension savings will fall under the IHT regime, potentially exposing beneficiaries to sky-high tax bills....
by SJB Global | Jul 30, 2025 | George Symes, Pension Transfers, Pensions, UK
As a UK expat, managing your pension can be complex. Whether you’re considering transferring your UK pension to your new country of residence or leaving it in the UK, it’s crucial to understand your options. This guide outlines the key considerations and...
by SJB Global | Jul 14, 2025 | Expat Financial Planning, George Symes, Regulations, Retirement Planning, Tax Planning, UK
Let’s talk about wealth taxes. Not income tax. Not inheritance tax. I’m talking about a levy on total net assets, including things like property, investments, luxury items, and savings. The idea sounds simple enough: tax the accumulated assets of the wealthiest...
