Case Studies

Real lives. Complex decisions. Clearer outcomes.

Every financial life is different. These are some of the situations we've helped clients navigate, from international moves and pension decisions to recovering lost information and challenging advice that wasn't right for them.

014 stories

When the obvious answer isn't the right one

Pensions · Tax · Immigration

When the Right Advice Was Not to Transfer

Tom and Mary planned a straightforward move to Australia and a pension transfer. Working through the immigration, tax and pension issues together showed that transferring then would have been the wrong call.

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Pensions · Tax · Estate Planning

Beware the One-Trick Pony

A client came to us worried about advice he'd already received: transfer the pension overseas, whatever the circumstances. We found the transfer had never been tested against his wider plans, and had cost him far more than he knew.

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Pensions · Tax

You Get What You Pay For

A client compared three quotes for a pension transfer and nearly chose on price. Understanding why he thought he needed a transfer at all uncovered tax issues the other quotes never considered.

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Build for Where You're Going, Not Just Where You Are Today

Investments · Tax · Estate Planning

023 stories

When life crosses borders

Tax · Pensions · Investments

Returning to the UK: Cross-Border Tax and Financial Planning

John and Sue had lived overseas for years and were moving through a second country before returning to the UK. They wanted their tax and financial affairs fully resolved before becoming UK resident again.

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Pensions · Retirement Planning · Tax

Planning a Retirement Across Three Countries

A client with UK pension benefits and a UK State Pension entitlement was weighing retirement across three countries. We built a plan flexible enough to work whichever he chose.

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Tax · Employment · Immigration

Moving Overseas: A Financial Plan Is Only One Part of the Plan

A client planned to keep working for his UK employer while living overseas with his wife. What looked like a tax and financial planning exercise raised employment, immigration and family questions too.

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033 stories

When something needs putting right

Tax · Pensions · Estate Planning

When Long-Standing UK Advice No Longer Worked Overseas

Jane's UK adviser relationship simply continued after she moved overseas. Moving country had changed whether her arrangements, and her pension's tax treatment, still worked.

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Financial Planning · Fraud Recovery

When Attention to Detail Recovered Nearly £50,000

While building a financial plan, we noticed unusual activity in a client's bank accounts. Looking closer uncovered a scam, and ultimately led to the recovery of nearly £50,000.

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Financial Planning · Record Recovery

Rebuilding a Financial Life from the Other Side of the World

A couple's financial records were accidentally thrown away during their move overseas. Before they could plan their future, they first needed to recover their financial past.

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042 stories

When the whole family is involved

Estate Planning · Family Governance · International Planning

Supporting a Vulnerable Parent Across Borders

When Brian became terminally ill, his family helped him return to his home country for care. Two attorneys, in two countries, needed a framework for making good decisions about his affairs.

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Pensions · Cross-Border Administration

Making a UK Pension Work for Clients Living Overseas

A couple's UK pension provider wasn't set up to serve clients who had moved permanently overseas. The right pension transfer was the easy part. Making the paperwork actually happen from overseas was not.

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05One story

Montfort Thinking

Financial Coaching · International Planning

Don't Get Quotations: Build Your Brief First

One of the most common mistakes in international financial planning happens before the advice even starts: people get quotations before they've built the brief.

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Client names and certain identifying details have been changed to protect confidentiality. The circumstances and planning challenges described are based on real client experiences.