Wealth Management Advisors for Expatriates Living in the United States
The United States continues to attract expatriates from across the world — from professionals relocating for work and entrepreneurs expanding their businesses, to retirees seeking a new lifestyle. But while the American dream is alive and well, navigating your finances as an expatriate in the US can be complex.
Differences in tax systems, currency exposure, and pension structures mean that without specialist advice, expats often risk losing money through inefficient financial planning. That’s where the expertise of Blacktower Financial Management can make all the difference.
With over 35 years of experience advising expatriates globally, Blacktower’s wealth management advisers provide tailored strategies to help you protect, grow, and structure your wealth while living in the United States.
The Financial Landscape for Expats in the US
The US is home to one of the most sophisticated — and complicated — tax and financial systems in the world. For expatriates, this brings both opportunity and risk.
Unlike many countries, the US taxes based on citizenship and residency, meaning that both income earned in the US and abroad may be subject to IRS reporting. If you hold assets, investments, or pensions outside the US, managing them correctly becomes crucial to avoid double taxation or penalties.
Expats from the UK, Europe, and other jurisdictions often find themselves juggling:
- Multiple currencies (GBP, EUR, USD).
- Foreign pensions such as SIPPs or QROPS.
- Different investment structures and tax treatments.
- Estate and inheritance planning challenges spanning more than one country.
Effective wealth management is the key to making sure your money works efficiently — both now and for the future.
Tailored Wealth Management Solutions for Expatriates
At Blacktower, we understand that no two expatriates are the same. Whether you’re a UK national on assignment in New York, a retiree in Florida, or an international professional in California, your financial plan should reflect your goals, lifestyle, and long-term ambitions.
Our advisers specialise in cross-border financial planning for expatriates and international families. Here’s how our wealth management services can support you:
1️⃣ Investment Advice and Portfolio Management
Expats living in the US often face restrictions on where and how they can invest, particularly if they hold non-US citizenship. Many international funds and investment platforms are not available to non-US residents or may attract different tax treatment under FATCA (Foreign Account Tax Compliance Act).
Our advisers create bespoke investment portfolios that are globally diversified, tax-efficient, and compliant with both US and international regulations.
By carefully balancing risk and return — and accounting for your currency exposure — we ensure that your investments are positioned for long-term stability and growth.
2️⃣ Pension and Retirement Planning
Managing a UK or European pension from the US requires expertise in cross-border pension legislation.
For British expatriates, we provide advice on:
- SIPPs (Self-Invested Personal Pensions) — giving you continued flexibility over your UK pension while abroad.
- QROPS (Qualifying Recognised Overseas Pension Schemes) — ideal for long-term expats seeking greater control and potential tax advantages.
Our advisers can assess whether a transfer to a QROPS is suitable, help consolidate existing pensions, and structure your retirement income efficiently under US tax law.
We also work with US-based retirement structures such as 401(k) and IRA accounts, ensuring your overall strategy aligns globally — avoiding duplication and unnecessary taxation.
3️⃣ Tax Planning for Expats
US tax rules are notoriously complex, particularly for expatriates who maintain financial connections abroad.
Blacktower works alongside international tax professionals to help you manage your liabilities efficiently, taking into account:
- The US–UK Double Taxation Treaty and other relevant agreements.
- IRS reporting requirements under FATCA.
- Capital gains and income taxation on global investments.
- Estate and inheritance implications under both jurisdictions.
By coordinating your financial and tax planning, we help ensure that you retain as much of your wealth as possible — legally, ethically, and efficiently.
4️⃣ Estate and Legacy Planning
Estate planning as an expatriate requires careful coordination between US and foreign inheritance laws. Assets held in multiple countries can be subject to different succession and taxation rules, which may impact how your wealth is passed on.
Our advisers can help you:
- Review and update wills to ensure they are valid in all relevant jurisdictions.
- Understand exposure to UK Inheritance Tax (IHT) and US estate tax.
- Explore trusts and insurance-based structures for protecting beneficiaries.
The right estate plan ensures that your wealth passes smoothly to your loved ones while avoiding unnecessary taxation and legal complications.
5️⃣ Protection and Peace of Mind
Financial protection is a cornerstone of wealth management. We offer guidance on life assurance, health cover, and income protection — vital considerations for expatriates living in the US, where private healthcare and insurance costs can be significant.
By ensuring that you, your family, and your assets are properly protected, you gain the peace of mind to focus on enjoying your life abroad.
Why Choose Blacktower
Blacktower has been providing international financial advice since 1986, with a global network of offices across Europe, the Caribbean, and the United States.
What makes us different?
- Independent advice — we are not tied to any provider, ensuring our recommendations are unbiased.
- Cross-border expertise — decades of experience advising UK and international clients with assets in multiple jurisdictions.
- Personal service — we build lasting relationships, offering ongoing support as your circumstances evolve.
- Global presence — our advisers understand both local and international financial landscapes.
Take Control of Your Financial Future in the US
Whether you’ve recently relocated or have been living in the United States for years, professional financial advice can make all the difference.
Blacktower’s wealth management advisers will help you optimise your investments, manage your pensions, and protect your wealth, so you can focus on what truly matters — enjoying the opportunities that life in America brings.
📞 Book your complimentary consultation today
Speak to one of Blacktower’s expert financial advisers in the United States and discover how we can help you unlock your financial potential as an expatriate.