Leverage Our Cross-Border Experience and Expertise.

The Foundation of Our Service Proposition.

Cross border wealth management

We help our clients navigate the complicated reality of being an expat in America.

Making the Transition Easy

As a successful British expat with at least $1M net worth in America, whether on a visa, green card or you have US citizenship, your financial life spans at least two countries, two tax jurisdictions, two currencies, two government pension systems and numerous investment and financial products.

Furthermore, the US can be a particularly difficult place to be an expatriate, with some unusual restrictions and tax reporting requirements, accompanied by punitive punishments for even innocent non-compliance. We help our clients identify and coordinate the US and UK components of their financial life, including private and state pensions, retirement accounts, investments, healthcare, tax reporting and more.

We have built our Cross-Border Retirement Roadmap to help our successful British expat clients plan and prepare for retirement within the context of their cross-border way of life. We bring both US and UK experience and qualifications to the process to ensure that our clients take advantage of the opportunities and avoid the pitfalls of being an expat in America.

Our Primary Focus Is YOU, Not Your Money.

If you would like to get a better idea of what we mean when we talk about “Life-Centered Financial Planning” and our wider proposition, please check out our blog post: “T&T USA: Integrated Life, Financial and Investment Planning for British Expats Living in America.”

Wondering if We’re the Right Fit?

Learn Who Approaches Plan First Wealth and Why

Plan First Wealth is uniquely positioned to serve individuals who have both a UK and US connection. Most commonly, our clients are British expatriates (whether on a visa, Green Card or US citizens) living in America who wish to remain in the US for their retirement. We also serve British expats who decide to return to the UK for retirement and current UK residents who are planning on moving to the US. Finally, we serve “mobile Americans” – senior executives who have a history of moving around the US – or internationally – for work and are keen to work with a location independent planning focused firm who can manage their complicated affairs.

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Educate Yourself

We have written a series of posts to help successful British expats living in America to understand their situation and options for their UK pensions.

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Would You Like to Know More?

Need information about Final Salary pensions and an explanation of why transfer values are currently so high? Please request our free guide: A Financial Guide – UK Pensions as a US Residents

Download Our Free Guide

In the United States, unusual regulations can easily confuse well-intentioned taxpayers and result in harsh penalties. Avoid these issues with our free guide: Top Tips Guide for Brits in America

Download Our Free Guide

How We Charge

At Plan First Wealth, our fees are transparent. We communicate with our clients so they understand how their fees are calculated and how much they will be paying.

All fees are explicitly agreed in advance and whilst fee payments may be facilitated by a product provider, trustee or custodian, any fees we receive come directly from our clients and/or their account(s). Nobody pays us but our clients and we are beholden to nobody but them.

Our fees are tiered and differ by product and/or platform (please refer to our ADV for a breakdown), but generally, are the same for everyone for the same account size. Upfront, we may charge an onboarding fee for financial planning or an account opening fee to facilitate a UK pension transfer. On an ongoing basis we charge a percentage of assets under management for an agreed upon level of service. More information, including specific fee breakdowns, can be found in our Form ADV Part 2A.

We do not charge extra fees and we do not discount fees (because that would not be fair to other clients). All our services have already been factored into the fees we charge.

PFW Fee Guarantee

If during your first 6 months as a client of PFW you are dissatisfied with the service we provided, we will refund all advice fees charged during that period.*

*This includes any financial planning and advisory fees. Account Setup fees and fees charged by the platform or trustee are not covered by this guarantee.