US–UK Financial Planning for Expats
Specialist advice for Americans in the UK and Brits moving to the US.
If your finances span both the United States and the United Kingdom, standard financial advice often falls short. Different tax systems, conflicting investment rules, and cross-border pension issues can quickly create complexity, and costly mistakes if not handled correctly.
You may be dealing with:
tax obligations in two countries
investments that don’t translate well across borders
pensions and accounts governed by different rules
Without a joined-up approach, it’s easy to make costly mistakes.
I provide specialist US–UK financial planning to help you structure your finances efficiently, avoid unnecessary tax, and make confident long-term decisions.
Most financial advice is designed for one country and when you’re dealing with two, problems arise quickly.
Common challenges include:
Tax in two countries
The US taxes based on citizenship, while the UK taxes based on residency. This can mean:
filing in both countries
navigating double taxation rules
understanding tax treaties and credits
Investments that don’t translate well
Some investments that work well in one country can create issues in the other.
For example:
UK funds can trigger complex US tax rules
tax-efficient wrappers may lose their benefits across borders
Pensions and retirement planning
Retirement planning becomes more complicated when:
you have a UK pension but move to the US
you hold US retirement accounts while living in the UK
Understanding how these are taxed and accessed is critical.
Costly mistakes
Without specialist guidance, it’s easy to:
invest in unsuitable structures
miss reporting requirements
pay more tax than necessary
The challenges of US/UK financial planning
Who I help
I work specifically with High Net Worth individuals and families dealing with financial complexity between the US and the UK, including:
Americans living and working in the UK
UK professionals moving to or working in the US
Dual citizens managing finances across both countries
Individuals with pensions, investments, or income in both jurisdictions
If your financial life crosses borders, you need advice that considers both systems together - not in isolation.
How I help
I provide clear, coordinated advice that considers your full financial picture across both countries.
My approach is simple:
1. Understand your situation
We look at your income, assets, residency, and long-term plans.
2. Build a cross-border strategy
I create a plan that aligns your finances with both US and UK rules.
3. Help you implement it
From structuring investments to planning for tax efficiency, I guide you through the practical steps.
Why work with a specialist US/UK financial planner?
Cross-border financial planning is a niche area.
Working with a general adviser can lead to gaps in advice, because they may only understand one system.
I specialise in US/UK financial planning, helping clients:
navigate dual tax systems
structure investments appropriately
plan for retirement across borders
avoid common expat pitfalls
Contact Me
