Dovetailing

Plan First Wealth works alongside client’s US adviser

The challenge

Longstanding US adviser with no UK advice.

Our client, who we’ll call Jane, is a British expat living in America who has enjoyed a longstanding relationship with her US-based financial adviser. This adviser, deeply familiar with Jane’s financial circumstances and family dynamics, has been effectively managing all her US investments and her financial plan.

However, Jane also held UK pensions. Her US adviser wasn’t proficient in UK pensions due to the regulations and differences between the UK and US financial landscapes.

Jane was left with a fragmented financial plan, with her UK pensions unoptimised, causing her a measure of worry.

 

Our solution

Integrate US and UK financial plans.

Recognising Jane’s predicament, we stepped in to offer our expertise on UK pensions. Working closely with Jane and her US adviser, we conducted a thorough analysis of her UK assets and income.

We recommended that Jane consolidate her UK pensions into a SIPP. We then built a portfolio that dovetailed seamlessly with her existing US-based financial plan and adviser, creating a truly integrated cross-border financial strategy.

To ensure ongoing alignment, we established annual meetings with Jane and her US adviser. We discussed the performance of the SIPP; suggestions for modifications based on changes in Jane’s life or shifts in regulatory environments; and maintaining sync with any updates in the US financial plan.

 

The result

Harmonised US/UK financial planning.

Our collaboration resulted in a well-coordinated, efficient, and holistic financial plan for Jane. By dovetailing our efforts with her US adviser, Jane’s UK pensions are now professionally managed in USD, supporting her overall financial plan.

She now enjoys the reassurance of having a single integrated financial plan catering to her investments in both the UK and the US. This dual advisory approach gives her the confidence of knowing that both advisers are working in unison to help her prepare for her financial future.

 

Case studies presented are based on actual clients; however, some of the information has been changed or altered. These studies are provided for educational purposes only. Similar, or even positive results, cannot be guaranteed. Each client has their own unique set of circumstances, so products and strategies may not be suitable for all people. Please consult with a qualified professional before implementing any strategy discussed herein.

No portion of these case studies is to be interpreted as a testimonial or endorsement of the firms’ investment advisory services.

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