Obamacare Update

us healthcare.jpgOn Thursday, October 12, 2017, U.S. President Donald Trump signed an Executive Order which may significantly impact those covered under the Affordable Care Act (ACA). The Executive Order would expand access to less expensive policies that provide minimal coverage and benefits and more exclusions and limitations than mandated under ACA. These cheaper policies could either be short-term medical coverage policies offered to individuals and families by commercial insurance companies or policies sold through trade associations to their members.

However, this process will likely take months to make significant changes as federal agencies propose new regulations.

Until then, not much will change.

The ACA will remain in place, including the 2017 tax penalty for those individuals residing in the US that do not have an ACA compliant policy.

For further information with regards to US compliant Medical Insurance or any other services for clients from or moving back to the USA please contact us.  


July Performance


July Overview
Generally positive economic news as well as a weakening dollar provided the backdrop for investors in July. For UK investors, this meant strong positive returns from almost all asset classes. Politics and Central Bank messaging continued to influence markets, but in a slightly more subdued manner than had been the case throughout the rest of the year. Learn more

The Impact of the 2016 US Election on Investors


Whilst the US election results are becoming harder to predict below are some of the likely economic impacts of the upcoming US election results.



  • Washington decision making is likely to become more fractious regardless of the election result. Divisions between and within the Republican and Democratic Parties have been growing, and an outcome whereby neither party would have a significant majority in the House of Representatives is a possibility.  This could make it harder to reach consensus on legislation, potentially heralding another return to dramatic showdowns over budget issues.
  • Corporate tax reform and increased spending on infrastructure appear to have some bipartisan support and would be a ripe area for negotiation in a divided Congress. Infrastructure spending should boost growth more than usual amid rock-bottom interest rates.
  • A growing backlash against free trade and immigration threatens to make economies more insular at a time when economic growth and productivity in many countries are barely above stall speed. Emerging markets have the most to lose, especially under a victory by Republican nominee Donald Trump. Mexico is a clear potential loser given its heavy reliance on exports to the US.
  • The US election campaign suggests rising populist sentiment is likely here to stay. We also see potential changes to income taxes, with ripple effects on US municipal bonds. We focus on two sectors that could be most affected by the election: financials and health care.  Mergers and acquisitions are set to face increased scrutiny if Democratic nominee Hillary Clinton prevails, as the Democrats appears to view anti-trust enforcement as a tool to boost competition and address inequality.

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