Russell Hammond
Want to Change Your RL360 Adviser or Get a Second Opinion?
If you hold an RL360 investment bond and are considering changing financial adviser, you’re not alone. Many RL360 policyholders originally established their bond years ago, often whilst living [...]
Gift Taxes Around The World: Why Giving Away Money Can Be More Complicated Than Earning It
Most people spend far more time thinking about how to build wealth than how to pass it on. That is hardly surprising. Accumulating wealth usually takes decades. It involves [...]
Forced Heirship Explained: Why Your Will May Not Decide Who Inherits Your Wealth
Most people assume that writing a Will allows them to decide exactly who inherits their wealth when they die. In many countries, that assumption is wrong. You may spend [...]
Offshore Investment Bonds: A Complete Guide to Tax-Efficient Wealth Structuring
The tax drag problem Most investors with substantial GIA portfolios are reporting and paying tax on dividends and capital gains annually, even when they have no intention of [...]
Are Trusts Still the Best Tool for Inheritance Tax Planning?
Trusts are often seen as the gold standard for inheritance tax planning—but are they really the most effective or efficient tool? In this article, we unpack the hidden costs, [...]
Understanding Trust Charges: When Do Periodic and Exit Charges Really Apply?
If you've ever read about trust charges — particularly periodic or exit charges — you'll notice the phrase "charges may apply" is used endlessly, with very little precision. This [...]
Why High-Net-Worth Families Should Seek the Most Qualified Advice—And What That Actually Means
But "good" is a relative term. In a marketplace crowded with titles, accreditations, and smiling headshots, how do you identify the best-qualified adviser for your needs? The truth [...]
Thinking About Changing Your Utmost Adviser?
Thinking About Changing Your Utmost Adviser? If you hold an Utmost International investment bond and feel that your existing advice relationship is no longer meeting your expectations, it [...]
Offshore Bond UK Return: Save Tax Before Moving Back to the UK
What you need to know before becoming UK tax resident again If you're a British expat planning to return to the UK, now is the time to consider your [...]
Offshore Investment Bonds: How They Can Strengthen Your Family’s Wealth Planning
Offshore Bonds Are Back in the Spotlight A recent Financial Times article highlighted a surge in the use of offshore investment bonds — and for good reason. UK residents [...]
Selling Your UK Business / Professional Moving to Dubai? What You Need to Know
Moving to Dubai as a Business Owner or Professional? The Key Tax and Investment Considerations By Russell Hammond FPFS FCSI – Chartered Financial Planner | AES International UK & [...]
Returning to UK Tax Planning: How to Avoid Unnecessary HMRC Bills
What You Need to Know About Your Investments Before Moving Back to the UK After years of sunshine, zero capital gains tax, and offshore flexibility, many British expats find [...]