An ACATS transfer (Automated Customer Account Transfer Service) is a standard set of “rails” used to move investments from one brokerage/custodian to another without you having to sell everything and start again. Think of it like switching banks, but for your shares, funds, ETFs, and cash. There are two sides to every transfer: Step-by-step: what […]
ACATS Transfers: Transferring US Pensions Read More »
For many individuals who have moved outside the United States, the idea of maintaining a US brokerage or 401k pension or IRA account with their former US address might seem like a convenient way to keep their financial affairs simplified. Or if nmove use a friends or families address. After all, you’re still an American
US Pensions and brokerage account need for a real address not a false one Read More »
Lawrie was approachable, knowledgable and pragmatic on the reality of drawing down US pensions from the perspective of a UK resident. I’d recommend Lawrie and Edale.
Drawing down US pensions from the perspective of a UK resident Read More »
Many Americans who relocate overseas believe they have lost their ability to add funds to their U.S. retirement accounts including IRAs and 401ks. There are no restrictions on a non-resident American having an IRA. Restrictions are only related to contributions. Some individuals persist in making contributions without grasping the specific rules which govern the eligibility of
Expat Contributions to US Pensions (IRA/401k) as non-US resident Read More »
Managing US Retirement Accounts as a Non-Resident: What To do If you’re a non-resident employee who has left the United States and you’re wondering what to do with your U.S.-based retirement accounts, you’re not alone. Many former employees face questions about managing their 401(k)s, IRAs, and other retirement savings after returning to their home countries.
What former employees can do with US Pensions (401k / IRA) when non-US resident Read More »
Consolidate, Plan, and Maximise Your US Pensions for a Secure Future with UK Financial Advice If you are a US resident, an expat who has worked and lived in the USA, or you are moving from the US to the UK, taking care of your retirement savings can be daunting. Managing 401(k), IRAs, and UK pensions
US Pensions (401k + IRA) advised from UK Read More »
It can be confusing to handle your retirement savings as a US expat in the UK or as a Brit who worked in the US and is now living in the UK. Rolling a 401k into an IRA is one example of the US-UK complications. Understand the process, learn how to get started, know the
401K Rollover to IRA: Options For US Based pensions when in the UK Read More »
There are several reasons why Americans in the UK or US/UK citizens may wish to consolidate their pensions: It is important to note that pension consolidation should be carefully considered, as there may be costs associated with transferring pensions and potential changes to the terms and conditions of the pensions being consolidated. It is recommended
Reasons why Americans in the UK or US/UK citizens may wish to consolidate their pensions Read More »
Opening a Junior ISA (JISA) or ISA for a child is one of the most common forms of savings for US persons residing in the UK. However, as the US taxes on citizenship rather than residency, these “tax-free” UK savings accounts are completely transparent – and typically taxable – to the IRS. Here is a
Reporting and US Tax Guide for UK Child Investment Accounts 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 »
ISA Season. Open Shares ISA Online. Accepts US UK Citizens. More details.
