American citizens living in the UK

At Edale, we meet the unique needs of our clients and help them with financial matters. From retirement planning to sustainable investing, and from estate planning to specialised advice for Americans living in the UK, our comprehensive services are designed to secure your financial future.

Our Services Include:

Wealth Management
Retirement Planning
Sustainable Investing
Estate and Tax Planning
Cash Flow Forecasting
Services for Americans Living in the UK

For Americans Living in the UK

Do you have connections to the USA while living in the UK? Our expert team offers independent financial advice to navigate the complexities of investing across borders. Whether you hold a US passport or a green card or file taxes in the USA, we’re here to guide you through the intricate landscape of UK investments with US considerations in mind.

Difficulties for US citizens living in the UK to invest?

American expats in the UK—or anywhere else abroad—find they have little investment advice available. A number of different forces serve to limit both services and choices.For many Americans living abroad, investment options are particularly difficult to explore for the same reasons (and more): the restrictions on tax treatment, the peculiar tax status of some investment vehicles, and the additional ‘tax’ penalties served up by laws such as FATCA. Companies such as Edale recognise the need for services directed to US citizens living overseas and have developed service lines targeted at this group. For example, they offer a product line of investments compliant with US tax laws and are ready to produce the required reporting to satisfy the IRS and most client situations, whether for a spouse, child or family member.

Key Challenges for U.S. Citizens Abroad.
1. U.S. Tax Reporting Requirements:
Under the USA Citizen vbased tax regime, US citizens must file taxes and report annual world-wide income, some of which can be stunningly complex even if no US tax is due, and FBAR (Foreign Bank Account Report) must be completed for foreign bank accounts with sums over $10,000 at any time during the tax year.

2. Investment Restrictions:
US citizens are restricted from the types of investments they can own. The most common investments in the UK – unit trusts and OEICs (Open-Ended Investment Companies) – are often considered Passive Foreign Investment Companies (PFICs) by the IRS, which means they are taxed on a punitive basis and require higher taxes for US investors and an increased amount of reporting. Additionally any US Broker Account holdings can be punatively taxed by the UK requivilent of the Passive Foreign Investment Companies (PFICs). So holding a US account while in the UK is not always always wise. Getting a financial checkup can assist.

3. FATCA Compliance:
FATCA forces foreign financial institutions to declare the identity of US persons to the IRS; in the name of ‘fighting tax evasion’. Given the additional tax compliance isues, many foreign banks and other investment firms now shun US clients altogether. US citizens abroad often struggle to find ways to engage with financial institutions with this blanket rule because of citizenship. Edale has US citizens with investment accounts to help them invest and save while in the UK.

4. Increased Costs and Limited Access:
By exerting ever-increasing reporting burdens, the US has made it expensive for normal people to be US citizens and get access to suitable financial services. Americans abroad typically face higher costs and have fewer options when compared with their non-US counterparts. Positively we are able to get over these hurdle without prohibitive costs totto the clients.
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 Professional services to support US/UK Citizens when investing
1. Professional Tax Advice:
Since the US + UK tax regime can be quite complicated for anyone to fully understand, US citizens abroad should consider getting the assistance of combined expert -someone knowledgeable in IRS and HMRC taxes or two specialists: one knowledgeable in US tax and one in UK tax. Such help will prevent expensive mistakes and keep you in compliance. There are different service provides from full on tax calculation to advisory depending ont he level of assistance you require.
2. Investment and financial practitioner:
Investments can be a maze, opaque and difficult to navigate even for those that are involved in financial services as a profession. Experts in other fields can find it total stressful. An experienced Financial Advisor should be able to creae the peace of mind and also give you a solution that fits your needs. 
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US/UK Financial Expertise

The team at Edale and financial advisor, Lawrie Chandler, bring years of experience in advising on US/UK cross-border investments. With a network of investment professionals at our disposal, we ensure your portfolio is compliant with US regulations, tailored for Americans living in the UK and accessing the best options for

Financial Advice Through Life’s Milestones

Life is full of significant events and transitions. Whether you’re starting a family, changing careers, planning for retirement, or navigating the financial implications of divorce, Edale provides expert advice tailored to your life stage and events, including specialized support for Americans in the UK.

Navigating Financial IMpacts of Divorce for Americans in the UK

Divorce can significantly impact your financial assets. Divorce is a complicated and emotionally draining process. Americans living in the UK need to consider the intricate financial landscapes of both countries; seeking professional financial advice is invaluable for American citizens going through a divorce in the UK. Financial advisors can help individuals understand the implications of living in a different tax jurisdiction, support financial assets, and plan for long-term financial stability. Additionally, they can offer guidance on dividing assets that are not straightforward, such as foreign investments or pensions tied to both countries. Our team offers tailored advice to protect your assets and ensure compliance with both US and UK regulations during a change to personal circumstances.

Why use a financial adviser as US/UK citizen?

Bespoke Financial Planning: Tailored advice that aligns with your personal goals and life stages.
Cross-Border Expertise: Specialised knowledge in navigating US/UK financial complexities.
Comprehensive Services: From wealth management to estate planning and beyond, we’ve got you covered.
Client-Centric Approach: Your financial well-being is at the heart of everything we do.

Amazingly helpful

Lawrie was so helpful and patient, going through [a US mutual’s insurance] form with me to make sure I understood what I needed to fill in for a complicated matter.

Katie

Most helpful Knowledge and guidance offered through generosity and sincerity. Deeply appreciated blue ribbon customer service.

I’m currently going through a divorce and was in desperate need of financial help and guidance. I’m a US American living in the UK. I was searching for someone who knows, and could give financial advice for both sides of the pond; so to speak. I also was wanting a small and personal, yet local group in Surrey. Laurie offered his time, pro bono, to help walk me through and do all the necessary math to get the information I was needing. He did this knowing I had no money to invest (or even give advice on) at that time. This is customer service at its very best. I think I almost cried when he said he could help me with that free of charge!

Stacy

dual US/UK nationality family

Lawrie invested a great deal of time understanding our circumstances (dual US/UK nationality family) before any recommendations were discussed I am very happy with the outcome and intend to continue the relationship in the longer term.

Gavin

Excellent Service Highly Recommend

Lawrie was absolutely fantastic with helping me manage my SAYE transfer with very little hassle or worry. There are a lot of companies out there who only focus on high net worth individuals or charge an arm and a leg to help regular people, but Edale is not one of them. This company is committed to helping regular folk build wealth at a reasonable price and I’m thankful for that.

Precious

Everything I needed!

I found Edale online as I had discovered how difficult it was to find a financial advisor able to advise me because of my USA citizenship. Lawrie was just the ticket – a straight talking, forward thinking Financial Advisor with a depth of understanding around the tax implications of various investment vehicles as it related to expat Americans. His solutions were inventive and right away I made a huge financial win that would have otherwise passed me by! I highly recommend!

Kelly

Quick and effective

I highly recommend Lawrie at Edale for quick and effective investment support.

When I wanted to set up a Junior ISA for my daughter, who holds dual US and UK citizenship, Lawrie provided clear guidance on the available options. He handled the entire process with impressive efficiency, setting up the account in no time. His expertise made the experience seamless and stress-free.

Will

100% Recommend Edale!

Lawrie and Edale have been incredibly thorough and supportive throughout the journey – from the moment I’ve consulted about my unique circumstances with regards to investment options (being a dual US citizen living in the UK) to onboarding me as a client to invest through them. I am so happy and relieved hat I’ve finally found a solution to a problem I’ve had for years, and so grateful for Lawrie being so thorough with the whole process – all the information was made easy to digest and understand, and I could (and still can) reach out to Lawrie whenever I had/have questions, and he was readily available and prompt with his responses. I love that Edale accommodates to clients of various sizes, and that I can invest at the pace and amount I feel comfortable in. Thank you so much!

Nina

Very knowledgeable, great experience with Edale

I had a chat with Lawrie today. Very lovely to chat to and clearly knows his stuff. He gave me some good advice and I really appreciated it.

Would definitely recommend him and Edale in the future.

Adam

I had a long conversation with Lawrie Chandler to explore the financial implications of moving my tax residency from the US to the UK. I found his knowledge of the pros and cons very helpful.

Some specialists in international relocation and tax affairs who will give only a short interview and are sparing in their advice until you sign up and pay their fees. From my experience, Edale let’s you explore the many what-ifs in a friendly exchange of views and options. My instinct tells me that the company focuses on long-term relationships built on trust and mutually beneficial results.

Mark