Expatriates or expats are individuals who live and work outside of their home country. They may relocate for work or personal reasons and often face unique financial challenges. One of the biggest challenges is choosing a good jurisdiction for savings. Capital market controls and death in country systems can cause probate and estate planning issues […]
For U.S. citizens and American expatriates living abroad, the term “International IRA” is sometimes used in the context of a international IRA. Its like a conventional IRA recognised by the IRS but suitable for expat wealth management. What is a U.S. IRA? Before diving into the “international” aspect, let’s briefly recap what a traditional U.S. IRA
If you hold a Qualifying Recognised Overseas Pension Scheme (QROPS) — most commonly in Malta, Gibraltar or the Isle of Man — you may be wondering whether it still earns its keep. Rule changes over the last few years have removed most of the advantages that QROPS once offered, particularly for anyone living in the
Transferring a QROPS Back to the UK: The Complete Guide for 2026/27 Read More »
After eight years at 15 Bell Street, Edale has taken the short walk up to a new home on Castle Walk. Eight years is a long time in any business — long enough to put down roots, weather a pandemic, see clients’ children grow into adults, and host more cups of coffee than we’d care
A Move Up the Hill Read More »
The HMRC changed US Pension taxes on the 12 March 2025. Many advisers and expats in the US/UK community read the HMRC published statement in its International Manual (IM70020), which shook the world of cross-border financial planning. After nearly two decades and a status quo firmly in place for 22 years under the US-UK Double Taxation
One Year On: HMRC’s Landmark Shift on US Pension Lump Sum Taxation Read More »
Inheritance Tax will be applied on unused pension funds and death benefits of US Pensions. Estate planning is requires coordination between US and UK rules. Britain and America have taxes on transfers at death, but they operate very differently. The UK levies a 40% Inheritance Tax (IHT) on the value of a deceased’s estate above the “nil-rate
Cashflow planning for US IRAs when an expat or retiring outside the USA. Be tax optimised (don’t pay more tax that you need too), avoid high withholding taxes, and have a plan into retirement. We can forecast and show how income streams are “sequenced” to keep you in the lowest possible global tax bracket and
IRA & Roth Cashflow Planning for US Citizens in the UK Read More »
These knowledge pages contain explainers and guides to Edale’s Wealth Management processes and procedures. Wealth Management Information on how Edale works delivers wealth and financial advisory. Edale Services Details on the services offered by Edale. 401ks and Rollovers Information on how Edale works on 401k and rollovers to IRAs. Roth IRA and Traditional IRA Details
Getting a letter from your financial advisor saying they can’t work with you as an expat outside the US is one of the byproducts of cross-border regulatory and tax complexity that financial institutions face. It’s becoming more common this year, and more letters are being sent to client that their advisor cannot support them any
What to do when US financial adviser can’t advise you any more? Read More »
Budget 2025: How Income, Savings and Investment Are Really Changing The 2025 Budget marks a decisive shift in how the UK government taxes income, savings and wealth. What a mucky field now. While the headlines focus on stability and fairness, the small print reveals a structural re-engineering of the tax system — moving the burden
ISA Season. Open Shares ISA Online. Accepts US UK Citizens. More details.
