SJB - US

23/04/2025

What does it really mean to have an independent adviser?

Have you wondered about the difference between independent and restricted financial advice? It’s an important distinction—and one that can make a big impact on your financial future.

Our new article that breaks it down in simple terms:
✅ What makes an adviser “independent”
✅ How that impacts the advice you receive
✅ What to consider when choosing the right adviser for you

Whether you're just starting your financial planning journey or reassessing your current setup, understanding this can help you make more informed, confident decisions.

Discover what it means to have an independent financial adviser. Learn how unbiased, whole-of-market advice can benefit your financial planning and long-term goals.

24/03/2025

As the tax year wraps up, it’s smart to review your pension contributions.

From allowance limits to carry forward rules, there’s plenty to think about, particularly if you’ve already started drawing from your pension or fall into a higher income bracket.

We’ve covered the key points in our latest article.

Maximize your pension contributions before the 2024/25 tax year ends. Learn how to save tax and boost retirement savings with expert advice from SJB Global.

12/03/2025

If you’re UK-domiciled (and many expats still are), your estate could face a hefty tax bill when you pass. That means your loved ones might receive far less than you intended.

The good news? With the right planning, you can reduce your liability and ensure more of your wealth goes where you want it to. Our latest article discusses some key strategies.

UK-domiciled expats may still face a 40% inheritance tax (IHT). Learn how to reduce your IHT liability with tax-free allowances, gifts, trusts, and domicile changes. Plan smartly to protect your wealth.

05/03/2025

Your retirement savings don’t have to ride the market’s ups and downs. Diversify, rebalance, and plan ahead.

If you’re wondering how to stay steady through uncertainty, our latest article discusses it all.

Market ups and downs can be stressful, but they don’t have to derail your retirement. Learn smart strategies to protect your savings, reduce risk, and stay financially secure—even in volatile times.

13/11/2024

Curious about how the upcoming U.S. elections could impact your investments?

Elections bring about a wave of uncertainty, and understanding how policies may shift can be essential for safeguarding your portfolio. From potential market volatility to shifts in key sectors and interest rate policies, there’s a lot to consider.

📈 Read our latest article for insights on managing your investments through changing times.

Learn how U.S. elections can influence your investments. Explore key factors like market volatility, policy shifts, and sector-specific impacts, plus expert strategies to safeguard and grow your portfolio through electoral cycles.

08/10/2024

Looking to take advantage of the benefits of a Roth IRA, but your income exceeds the limits for direct contributions?

A Backdoor Roth IRA might be the perfect solution for you! This strategy allows high-income earners to bypass contribution restrictions and still benefit from tax-free growth and withdrawals.

In his latest article, Rob Hoey breaks down everything you need to know about Backdoor Roth IRAs, including:

1️⃣ How the process works
2️⃣ Key benefits like tax-free growth
3️⃣ Important considerations like the pro-rata rule

Read the full article here:

Learn about the Backdoor Roth IRA strategy, designed for high-income earners. Discover how it works, its tax advantages, and key considerations to help maximize your retirement savings.

05/06/2024

Feeling a bit lost with your finances after the big move? Rob Hoey's got you covered with his new article, "A Short Financial Guide for Brits in the US." From taxes to pensions, this guide is packed with practical tips to keep your money matters in check.

🔍 Key Highlights:
- Tax Tips: Learn how to navigate US and UK tax treaties.
- Pension Management: Discover how an international SIPP can be a game-changer.
- Investment Insights: Avoid the PFIC trap and ensure compliance.
- Reporting Requirements: Stay on top of your FBAR filings to avoid penalties.

Just like any international move, the financial transition for UK expats in the USA can be complicated. Here’s how to ensure your financial health remains robust as you adapt to your new American life.

13/03/2024

When planning for retirement, it’s important to have a strong financial strategy in place. One of the most effective strategies is called compound investing. Don’t let the fancy name scare you – it’s a pretty simple concept that can make a big difference.

In this article, we’ll explain what compound investing is, why it’s so powerful, and how it can work for you, especially in your pension.

When planning for retirement, it's important to have a strong financial strategy in place. One of the most effective strategies is called compound investing. Don't let the fancy name scare you – it's a pretty simple concept that can make a big difference. In this article, we'll explain what compou...

28/09/2023

Are you aware of the advantages of transferring your UK pension? Learn how transferring your UK pension can help you avoid high taxes, secure your beneficiaries' future, and protect your pension from changing regulations.

Planning for a secure and comfortable retirement requires careful consideration of your pension. If you currently hold a UK pension, you may be unaware of the numerous benefits that come with transferring it. In this article, we will explore the advantages you can gain. Discover how transferring you...

16/08/2023

🌐 As the landscape of retirement changes, the Pensions Review steps in to safeguard tomorrow's retirees. Stay informed about the risks and opportunities. Knowledge is the foundation of financial security.

In recent years, the financial well-being of today’s pensioners has shown remarkable improvement. However, it is crucial not to overlook the potential challenges that lie ahead for future generations. With this in mind, a substantial and timely Pensions Review has been initiated to assess these ri...

25/07/2023

While high-interest rates may cause concern for borrowers, they open up opportunities for savvy investors! One such opportunity that thrives in this environment is annuities. In our latest article, we explore how annuities flourish in high-interest rate conditions and why they are an excellent choice for those seeking steady income and long-term financial security.

In the world of finance, high-interest rates have a profound impact on investment strategies and financial planning. While they may be a cause for concern for borrowers, they also present a wealth of exciting opportunities for savvy investors. One such opportunity that seems to thrive in a high-inte...

25/05/2023

Finance is a complicated topic, but we’re here to simplify it for you.
Let us help you take control!

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