When it comes to finances, clarity shouldn’t be limited by minimum asset sizes or full onboarding for all the services a provider may offer (financial advice, portfolio management and tax optimisation). That’s why we’re excited to announce that Fixed-Fee US/UK Financial Advice is in live testing through the Wealth Hub from Edale. Available as an à la carte option alongside our comprehensive ongoing wealth management service. It extends our Advice on Demand model that is now available at a lower commitment cost, allowed by use of technology and automated administration services.

Extending our flagship Edale Wealth Framework (open for beta users (https://wealth.edale.co/)), Fixed-Fee advice through the Edale Wealth Hub delivers seamless cross-border financial planning with complete fee transparency. Here’s how it works.

Fixed-Fee Advice For US/UK Expats

Dual-status taxpayers, US expats in the UK, British expats with US retirement accounts…what do you have in common? We feel pretty certain that whatever your situation, you’ve both experienced these frustrations with the traditional wealth advice model. Being strong-armed into signing up for a full package of costs when you simply want a one-off strategic check-up or personalised finance roadmap. Coming across high-end cross-border financial firms that won’t even look at you until you have “enough” money in the bank.

At Edale, we operate with a firm social mission: to make high-quality financial advice accessible, transparent, and fair—irrespective of portfolio size.

Providing exceptional financial advice that is accessible, transparent, and equitable regardless of your portfolio size.

Our fixed-fee service offers just that. Whether you’re a DIY investor who wants a professional sanity check on your current strategy, a high-income earner creating a “bridge” to early retirement, or anywhere in between…you can get advice on demand without ongoing locked-in fees.

Under the Hood: A Cross-Border Cashflow Engine Built for Two Tax Systems

Most financial planning software aims to accurately model one domestic tax system and cross their fingers for anything held overseas.

We built Edale’s Wealth Hub cashflow engine from scratch with bi-national lives in mind. American families with UK connections, UK families in the US returnig to the UK. The Edale Wealth Hub accounts for it. Here are some of our headline features.

Key capabilities of the engine include:

• Dual Tax System Modelling: Runs US Federal income tax and UK Income Tax (including Scottish rates) side-by-side for every year of your plan up to age 100.
• Foreign Tax Credit (FTC) Awareness: Recognises Foreign Tax Credits automatically to avoid double-counting tax liability across jurisdictions.
• Treaty-Aware Rules Engine: Factors in specific nuances for US IRAs, 401(k)s, Roth conversions, Required Minimum Distributions (RMDs), UK SIPPs, ISAs, and pension tax-free lump sums under the US-UK Double Taxation Treaty.
• Multi-Currency & FX Stress Testing: Holds and displays accounts in USD, GBP, or EUR, allowing you to model exchange rate fluctuations and dollar-weakness scenarios effortlessly.
• Monte Carlo Simulations: Replays your financial plan across hundreds of simulated market futures to report a clear, percentage-based success rate.
• Official Longevity Integration: Incorporates official Office for National Statistics (ONS) life expectancy markers directly onto your chart, including 1-in-4 and 1-in-10 longevity odds.

Run US Federal income tax and UK Income Tax (including Scottish rates) simultaneously for every year of your plan.

Calculate up to age 100 with Automatic FTC recognition (That’s Foreign Tax Credit in case you were wondering.

Humans not robots

Advice You Can Touch. It’s our philosophy that great software should always be supported by qualified professionals. That’s why every fixed fee agreement includes your very own Edale financial adviser. Edale clients can rest easy knowing that behind the scenes: An FCA-regulated adviser is building the plan alongside you. Scenario reviews happen before you make any major lifestyle change. Trigger a “what-if” and watch your adviser immediately highlight allowance warnings or cashflow dips upon Retirement, business sales, career changes, early retirement, you name it. Your cashflow plan doesn’t just get emailed to you .. it’s signed off on and date stamped by you AND your adviser.

Complementary to our existing wealth offerings

At Edale, we’re firm believers in providing flexible service models to meet unique client demands. That’s why our new fixed-fee service works alongside our entire suite of offerings. :

Existing Wealth Clients:

The Wealth Hub can act as your gateway to live updates, pot scorecards, and yearly plan reviews.

New or Infrequent Clients:

Whether you’re a US expat who needs some crunching done on a one-off basis, or you’re a savvy high-net-worth financial professional who wants to better understand cross-border ties with the US…the Wealth Hub is a transparent way to enter the world of fixed fee financial planning.

We’re currently offering access to the beta portal for select U.S. expats, UK investors with U.S. ties, and clients with wealth in both countries, using it with a few previous clients that have contacted us for advice on demand projects. Interested in seeing your whole financial picture laid out? Explore our approach and contact us.

Visualised By Our 7-Pot Wealth Framework

Central to the Edale Wealth Hub experience is our wealth philosophy: “Don’t Let Money Be Complex.” We believe your wealth should not be viewed as one giant intimidating number or a confusing spreadsheet full of bank accounts and brokerage statements. Instead, our wealth framework categorises your money by its purpose. We believe that every dollar and poiund you own should have a clear job to do in your life. Whether that’s funding day-to-day spending, paying for retirement, serving as your emergency fund, or just plain enjoyment.

Our wealth framework divides your financial life into 4 Zones and 7 Distinct Pots:

Zone	Pot Name	Primary Purpose & Role
Spending & Enjoyment	Liquid + Income	Accessible funds for planned short-to-medium term spending (bonds, dividend stocks, general accounts).
	Lifestyle	Assets held for personal enjoyment that typically cost money to maintain rather than generate income (holiday homes, art, classic cars).
The Foundation	Home	Primary residence providing security, shelter, and foundational stability.
	Safety Net	Emergency cash reserves providing peace of mind and preventing forced sales of investments during market dips.
The Future (Growth)	Retirement	Dedicated, tax-efficient post-work assets locked away for later life (SIPPs, workplace pensions, 401(k)s).
	Nest Egg	Flexible, discretionary capital accumulation to outpace inflation and fund early retirement or financial freedom.
Engine Room	Wealth Creator	Major drivers of new wealth accumulation, such as business equity, share options, or inheritances.

By aligning each asset to a specific pot and timeline (Short, Medium, or Long-Term), the framework eliminates reactive decision-making and ensures your short-term spending never compromises long-term security.