Ambient Wealth Management

27/08/2026

UK pensions have historically been an efficient way to pass on wealth, as they have usually sat outside the scope of Inheritance Tax. 🏛️

From 6 April 2027, this is set to change. ⚠️

Inherited pensions may become liable for Inheritance Tax if your estate exceeds the available nil-rate bands, which could affect many expats with UK pensions. 🇬🇧

Read our latest blog, linked in the comments, to understand what the proposed changes could mean for your estate planning. 💡

👇

https://ambient-wm.com/uk-pensions-and-inheritance-tax-what-expats-need-to-know-before-2027/

20/08/2026

Gifting is a strategy often used to efficiently pass on wealth and assets to younger generations and loved ones. 🎁👨‍👩‍👧‍👦

When managed carefully, it can form part of an effective estate plan that looks to preserve your legacy and mitigate Inheritance Tax.

The rules around gifting UK-held assets are clear, but it can become more complicated if you're gifting foreign-held assets. 🌍

Read our blog, linked in the comments, to learn more. 📖

👇

https://ambient-wm.com/how-gifting-works-for-foreign-held-assets/

13/08/2026

Market downturns happen more often than many investors realise. 📉

According to analysis from Schroders, the MSCI World Index experienced falls of at least 10% in 30 of the 52 years studied between 1971 and 2023.

Despite these short-term declines, the index continued to grow over the long term. 📈

Read our blog, linked in the comments, to learn why staying invested can be important during periods of uncertainty. 📖

👇

https://ambient-wm.com/concerned-about-market-volatility-and-geopolitical-uncertainty-heres-why-its-important-to-remain-calm/

12/08/2026

🎙️ Ambient Wealth Management on Perfectly Placed – Living in Spain

Our founder, Josh Williams, was recently invited onto the Perfectly Placed podcast for a conversation about the financial side of making the move to Spain.

We spoke about some of the financial considerations that are often overlooked when moving to Spain, particularly the things worth thinking about before becoming Spanish tax resident, as well as pensions, investments and making life financially simpler once you're here.

Having lived in Spain for over 10 years himself and now advising people making the same move, Josh has seen how much easier things can be when the financial planning is done before the relocation rather than afterwards.

A big thank you to Tracey, Suzanne and the Perfectly Placed – Living in Spain team for the invitation and a really enjoyable conversation.

🎧 The episode is around 24 minutes and is a useful listen for anyone considering a move to Spain — or already living here.

Listen here: https://open.spotify.com/episode/11wRz0lV58vOgQM1aMKTqG

Perfectly Placed, living in Spain · Episode

06/08/2026

If you live abroad and still hold a UK pension, the upcoming changes to pension Inheritance Tax rules may be relevant to you. 🇬🇧⚠️

From April 2027, inherited pensions are expected to fall within the scope of UK Inheritance Tax, and expats may still be affected depending on their residency status and wider estate position.

To learn more about the new rules and the planning options available, click the link in the comments. 📖

👇

https://ambient-wm.com/uk-pensions-and-inheritance-tax-what-expats-need-to-know-before-2027/

31/07/2026

A big thank you to Your Overseas Home for sharing this.

Our partnership has already helped many people who are planning a move to Spain understand the financial implications of becoming Spanish tax resident before they relocate. From pensions and investments to tax obligations and long-term planning, having the right advice before the move can often make a significant difference.

Looking forward to continuing to help even more people make a well-planned move to Spain. 🇪🇸

Planning a move to Spain? 🇪🇸 Don’t leave the financial planning until last.

Josh Williams from Ambient Wealth Management explains why it is important to consider how Spanish residency could affect your pensions, savings and investments before you relocate. 💶

By working with experienced specialists, we help buyers look beyond the property search and prepare for the wider realities of moving overseas.

30/07/2026

5 risks to be aware of when gifting foreign-held assets:

🤝 Jointly owned assets
📈 Currency fluctuations
🔒 Losing control of assets
🎁 Gifts with reservation of benefit
📄 Unexpected Capital Gains Tax bills

Read our blog, linked below, to learn how to navigate gifting foreign-held assets. 👇

https://ambient-wm.com/how-gifting-works-for-foreign-held-assets/

23/07/2026

Concerned about market volatility and geopolitical uncertainty? 🌍📉

Periods of instability can feel unsettling, particularly when headlines are dominated by conflict, inflation, and slower growth.

However, short-term downturns are a normal part of long-term investing, and history shows that markets have remained resilient through many challenging periods. 📈

Read our latest blog, linked below, to understand why it is important to remain calm during market volatility. 📖

👇

https://ambient-wm.com/concerned-about-market-volatility-and-geopolitical-uncertainty-heres-why-its-important-to-remain-calm/

16/07/2026

5 strategies that can help keep your pension efficient under the new rules: 💡

1. Maximise your nil-rate bands

2. Reduce exposure to UK-situs assets where possible

3. Review whether your pension structure remains suitable if living abroad

4. Use gifting as part of your estate planning strategy

5. Explore Business Relief schemes

Read our blog, linked below, to find out more. 📖

👇

https://ambient-wm.com/uk-pensions-and-inheritance-tax-what-expats-need-to-know-before-2027/

09/07/2026

If you hold assets overseas, it is important to understand how they may be treated for UK Inheritance Tax purposes. 🌍

Foreign-held assets can still fall within your estate if you are classed as a long-term UK resident, and local tax rules may also apply in the country where the asset is held. 👨‍👩‍👧‍👦

To learn more about gifting foreign-held assets and the potential risks involved, click the link below. 📖

👇

https://ambient-wm.com/how-gifting-works-for-foreign-held-assets/