Highly Rated & Trusted by Clients, UK & Worldwide for More Than 20 Years.
Russell Hammond in partnership with award-winning AES International
Whether building wealth, approaching retirement or thinking about the next generation, financial decisions rarely exist in isolation.
I provide strategic financial planning and investment advice to individuals and families, helping structure wealth efficiently and thoughtfully for the long term.
Who I Work With
I advise a select group of clients, including:
- UK-based individuals and families seeking structured, long-term wealth planning
- British expatriates abroad managing wealth across jurisdictions
- Returning expatriates planning an efficient transition back to the UK
- Business owners before and after a liquidity event
What clients say.
Real situations, real outcomes. Here’s what us working together looks like. All reviews taken from, and independently verified at, review site Vouchedfor.co.uk
A clear process with no surprises.
High quality financial planning should feel clear, structured and personal, not product-led or overly complicated. Here is what us working together typically looks like.
Initial Discovery Call
A relaxed initial conversation focused on understanding your current position, future objectives and any specific concerns or planning priorities. No sales pitch, no pressure and no obligation, simply an opportunity to explore whether a longer-term working relationship may be appropriate.
Strategic Review & Analysis
A detailed review of your existing arrangements, including investments, pensions, tax position, retirement planning and wider succession considerations. The focus is on understanding how your current structure operates today, where inefficiencies or opportunities may exist and how everything aligns with your wider long-term objectives.
Clear Recommendations & Ongoing Support
You receive clear strategic recommendations designed around your personal objectives, financial position and long-term planning priorities. Where appropriate, arrangements are then implemented with full ongoing advice and support, helping ensure your planning remains aligned with changing markets, legislation and family circumstances over time.
Offshore investment bonds, the complete picture.
Industry insights.
HNW advice shouldn’t feel opaque. Here’s exactly what engaging with Russell looks like.
What Wednesday’s Budget Means for a £5 Million Portfolio
A £5 million balance sheet can look reassuring. But a family home, a rental property, a pension and an offshore bond do very different jobs—and face different tax rules. [...]
How Can I Reduce the Tax on My Investments?
Explore tax planning for a £2 million portfolio, from ISAs and spousal ownership to offshore bonds, Lombard lending and specialist investments. Includes an interactive calculator.
Gifting an Offshore Bond to Your Children: Assignments, Tax and What to Consider
Explore gifting offshore bond segments to adult children, the tax history that follows them and the wider family planning questions. Includes a whole-segment gifting illustrator.
UK Pension Transfers for Expats: Should You Keep Your Pension in the UK or Move It Overseas?
Living abroad with a UK pension? Compare keeping your pension in the UK, transferring to a SIPP or using a QROPS, including tax, costs and risks.
Are Financial Advisers Worth Their Fees? The Numbers and the 3am Test
Financial advice costs money. On a substantial investment portfolio, those fees can amount to thousands — sometimes tens of thousands — of pounds each year. So it is entirely [...]
Offshore Bond Withdrawals: Understanding Your Options and Avoiding Costly Tax Mistakes
Many investors spend considerable time considering which offshore bond to establish, which investment funds to select and which provider to use. Far less attention is sometimes given to an [...]
Russell Hammond
FPFS FCSI
Russell advises UK residents and internationally connected individuals on investment management, retirement planning, inheritance tax mitigation and long-term family wealth structuring.
His work focuses on helping clients coordinate wealth thoughtfully and tax efficiently across changing life stages, family priorities and international circumstances.
Russell is a Chartered Fellow of both the Personal Finance Society and the Chartered Institute for Securities & Investment, placing him amongst a small group of advisers to hold Fellowship status with both professional bodies.
With over 20 years’ experience in financial planning, his work today centres around helping successful individuals and families structure wealth for long-term financial security, retirement and intergenerational planning.
In partnership with AES International
Award-winning international financial advisory firm — providing institutional research, compliance support, and global reach behind Russell’s impartial advice.
