Summary: A divorce settlement may divide assets, but it does not automatically create a new financial plan. After divorce, clients often need to update investments, estate planning documents, insurance policies, tax planning, account structures and beneficiary designations to reflect their new circumstances. The financial work does not end when a divorce settlement is signed. After […]
Summary: Divorce is not only a legal process. It is also a major financial transition that can affect housing, investments, retirement, taxes, estate planning, and long-term security. A financial adviser can help clients understand what different settlement options may mean in practice, so decisions are informed by both legal guidance and practical financial analysis. Divorce […]
Written with assistance from Daigo Sato Executive Summary The 2026 Japan Tax Reform introduces targeted measures to enhance tax equity and reduce opportunities for tax base erosion. Two key developments are: (i) the enhancement of an Alternative Minimum Tax (AMT) framework applicable to high levels of financial income, including capital gains and dividends, and (ii) […]
When relocating from the U.S. to a new country, there are all the normal considerations – sorting out visas and housing, exploring your new surroundings, adapting to a new culture, etc. Equally important, though, is paying attention to protecting your wealth and avoiding tax traps as part of both your exit from the US and […]
Divorce is one of life’s most disruptive transitions—emotionally, legally, and financially. While most people focus on dividing assets and finalising settlement agreements, one critical area is often overlooked: beneficiary designations. Failing to review and update beneficiaries after a divorce can unintentionally leave retirement accounts, life insurance proceeds, and bank assets to an ex-spouse – sometimes […]
U.S. Tax Exposure Non-U.S. clients may be subject to U.S. tax reporting, withholding, and compliance obligations because of investing in U.S. securities or holding assets through U.S. financial institutions. These may include, but are not limited to: Applicable withholding tax rates may be affected by tax treaties, client tax residency, and the accuracy and validity […]
In the past year, several major news outlets have reported that the IRS is exploring the use of “AI agents”—software designed to help with internal search, document review, and case summarization—reportedly within groups such as the Office of Chief Counsel, the Taxpayer Advocate Service, and the Office of Appeals. For U.S. citizens and green-card holders […]
Everyone’s favorite topic: Budgeting and Debt Management. I know, I know, can’t we just get on with our lives and not have to deal with pesky things like budgets and boring old debt management? Well, you certainly could; plenty of people live their lives every day with no financial budget and with plenty of debt. […]
Effective from 6 April 2026 To qualify for the full UK State Pension, an individual must build up a sufficient number of National Insurance (NI) qualifying years. Each qualifying year represents 52 weeks of valid NI contributions made within a specific contribution class. Under current rules, 35 qualifying years are required to receive the full […]
For international school teachers, life abroad offers excitement, opportunity, and new experiences. But while you may spend time planning lessons and adventures, one part of your financial picture that deserves equal attention is insurance. Insurance isn’t just about protecting against bad luck—it’s about creating stability so your financial plan stays on course, no matter what […]
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