US-UK financial planning

Investment options for US connected individuals are subject to additional complexity under both US and UK rules. On the US side, this means understanding and avoiding Passive Foreign Investment Company (PFIC) classifications, which can carry significant tax consequences if the wrong investments are held. On the UK side, ensuring investments hold HMRC reporting fund status is equally important in determining how returns are taxed. Completing the appropriate W8 series forms is also a key part of remaining compliant. We help you navigate all of these requirements so that you can build a diversified, tax-efficient portfolio with confidence.

UK pensions, ISAs and other savings accounts do not sit neatly within the US tax framework, and the interaction between the two systems is rarely straightforward. Working alongside our tax specialists, we advise on the most effective way to contribute to and draw from these accounts, whether you are currently based in the UK or have since returned to the United States. This includes structuring a tax-efficient withdrawal strategy across all your UK and US accounts in retirement.

Yes. Many UK financial advisers are only able to work with clients who remain resident in the UK, but we are not bound by that restriction. If you relocate abroad, we can continue to advise you on UK assets and financial arrangements left behind, providing the long-term relationship and continuity that cross-border financial planning demands.

In collaboration with our tax team, we advise on both existing and new trust structures for US connected individuals. This includes inheritance tax planning for those with US beneficiaries or US connections, and ensuring that your estate can be passed on in a manner that is tax-efficient under both UK and US law.