Carey Suen

20/08/2026

Should UK property acquired 20 years ago automatically remain part of today’s estate plan?

Not necessarily.

A former home may have been retained after an overseas move. A rental property may have been bought when prices, yields and tax rules were different.

The property may still be a valuable investment.

But it should be reviewed using current facts:

• market value;
• net rental return;
• tax and management costs;
• financing;
• liquidity;
• potential capital gains;
• inheritance tax exposure; and
• what the next generation wants to inherit.

Keeping the property may remain the right decision.

The important point is to make that decision deliberately rather than allowing an old investment to become an unexpected estate problem.

Read the full article: [INSERT ARTICLE LINK]

The Discovery Call is free. Not knowing could be expensive.

19/08/2026

What could £1.65 million of UK rental property mean for someone who has lived overseas for more than 20 years?

On deliberately simplified assumptions:

UK property: £1,650,000
Less one nil-rate band: £325,000
Illustrative taxable amount: £1,325,000
Inheritance tax at 40%: £530,000

The rest of the person’s international wealth may generally be outside UK inheritance tax if they are genuinely not a long-term UK resident and the overseas assets qualify as excluded property.

But the UK property can still create a substantial liability.

The actual position could be higher or lower depending on ownership, debt, exemptions, reliefs, gifts and the will.

The purpose of the example is not to provide a personal calculation.

It is to show why living abroad should never be treated as proof that UK inheritance tax is no longer relevant.

Read the full article: [INSERT ARTICLE LINK]

The Discovery Call is free. Not knowing could be expensive.

18/08/2026

Living outside Britain does not automatically remove UK inheritance tax from everything you still own there.

Under the rules introduced in April 2025, qualifying overseas wealth may generally be outside UK inheritance tax if you are not a long-term UK resident.

But a UK home, rental portfolio or other British property can remain exposed.

The key questions are:

• What is your UK residence history?
• What do you still own in Britain?
• How are those assets held?
• What allowances or reliefs may be available?
• Does your estate have enough liquidity?

A family can leave the UK decades ago while retaining a substantial inheritance tax issue through the property left behind.

Our latest article explains what long-term expatriates need to understand.

Read the article: [INSERT ARTICLE LINK]

The Discovery Call is free. Not knowing could be expensive.

16/08/2026

Living outside the UK doesn't automatically mean UK inheritance tax no longer applies to you.

Since April 2025, the rules changed: it's now about how long you've lived in the UK, not just where you live today. British expats in Hong Kong, Singapore, the UAE and beyond may still have their worldwide estate in scope.

If you're a British expat and not sure where you stand, a Discovery Call is the easiest way to find out - and it's free.
Link in bio.

14/08/2026

Inheriting money from your parents is rarely just good news for your bank balance. It can also change your own tax position overnight.

If you've already built up savings, property, or investments of your own, adding a parent's estate on top can push your own estate into a much higher inheritance tax bracket, sometimes without your day-to-day life changing at all.

It's a conversation worth having before the inheritance arrives, not after.
Curious what it could mean for you? Book a free Discovery Call - link in bio.

14/08/2026

Did you know a married couple in the UK can leave up to £1 million tax-free?

It's one of the most repeated facts in estate planning, and one of the most misunderstood.

That £1 million figure only applies when both partners' allowances are fully available and correctly claimed. For many families, especially once a home has grown in value, the real number is lower.

If your family's estate is approaching £2 million, it's worth finding out exactly where you stand rather than assuming the headline applies to you too.

📞 Book a free Discovery Call - link in bio.

04/08/2026

30,000 Britons have left the UAE in just five months.

The surprising part?

Almost none of them returned to the UK.

On the surface, this looks like a migration story. I believe it's really a wealth planning story.

For internationally mobile families, moving country is often the easy part. The difficult part is making sure your income, investments, pensions and financial structures continue to work wherever life takes you.

In this latest YouTube video, I explore why so many British expats are choosing destinations such as Portugal, Spain and Switzerland—and the financial question that deserves far more attention than where you'll live.

If you moved country next year, would your income move with you?

If that question isn't easy to answer, it's probably worth watching.

🎥 Watch the full video on YouTube: https://youtu.be/BJSjGnK1JFg

I'd be interested to hear your thoughts. If you're living overseas, where would you choose if you moved tomorrow?

04/08/2026

30,000 Britons have left the UAE in just five months.

The surprising part?

Almost none of them returned to the UK.

On the surface, this looks like a migration story. I believe it's really a wealth planning story.

For internationally mobile families, moving country is often the easy part. The difficult part is making sure your income, investments, pensions and financial structures continue to work wherever life takes you.

In this latest YouTube video, I explore why so many British expats are choosing destinations such as Portugal, Spain and Switzerland—and the financial question that deserves far more attention than where you'll live.

If you moved country next year, would your income move with you?

If that question isn't easy to answer, it's probably worth watching.

🎥 Watch the full video on YouTube: https://youtu.be/BJSjGnK1JFg

I'd be interested to hear your thoughts. If you're living overseas, where would you choose if you moved tomorrow?

30,000 Britons have left the UAE this year—but almost none returned...

30/07/2026

If you hold a UK pension and live abroad, two changes have landed that may affect you.
From April 2026, pensions sit inside the UK inheritance tax net for the first time. Moving a pension offshore no longer solves that exposure the way it once might have.
And following the Autumn Budget 2024, transferring a UK pension to a QROPS in the EEA or Gibraltar is likely to attract a charge of 25 per cent.
We are seeing plans written five and ten years ago that were completely sound when they were drawn up and now do the opposite of what their owners think they do. That is not anyone's mistake. It is what happens when rules change underneath a structure built to last decades.
If this applies to you, it is worth reviewing this quarter rather than next year.

https://www.careysuen.com/intro-call/