The world is more connected than ever, driven by companies importing specialized talent from around the world. Advances in technology have further increased the mobility of today’s workforce, making it even easier to live anywhere in the world. While this offers many benefits, it also introduces many new financial questions, such as:
Very few financial advisors have the experience and expertise to address these questions, but Cerity Partners does. Let us help you create a comprehensive plan that preserves, grows, and protects your wealth no matter where you are in the world.
Wherever you call home, our cross-border planning specialists are here to serve as your advisor, advocate, and sounding board. Our clients include:
Understanding the complexities of living abroad.
You’ll likely face a dizzying array of financial issues when you move across borders, compounded by a litany of new laws and reporting requirements. On top of that, international financial institutions may be reluctant to work with you.
We have vast experience helping expats in similar situations. We’ll help you build a globally diversified plan with an emphasis on tax efficiency and risk management.
Building your internationally portable financial plan.
When you arrive in the U.S., you need a financial advisor who understands the unique challenges of global families, especially when you first encounter the U.S. financial and tax system. It is equally important when you are considering leaving in the future.We’ll help you understand what you need to know and build a financial plan that’s not bound by geography.
Navigating the U.S. financial system.
Perhaps you once lived in the U.S. and left behind some investments, inherited some assets here, or you simply view the U.S. as an attractive place to hold wealth. In any case, you’ve likely experienced significant frustration with managing these accounts from afar.
We’ll use our deep knowledge of U.S. and foreign regulations to ease your frustrations while developing a solid investment plan.
Uncertainty and lack of knowledge can fuel financial missteps as you set up your new household or manage your investments in a different country. Our holistic approach to global financial planning can help you avoid these missteps. We understand the impact location can have on each aspect of your financial life. We’ll help you:
We first spend the time to learn about you and your financial priorities. Then we build a complete picture of your worldwide assets, providing a comprehensive view of your financial landscape. We’ll serve as your partner in helping you reach your goals.
We spend the time to learn about you and your goals, then build a complete picture of your worldwide assets as a starting point for a holistic review of your financial affairs. No family is too complex, we’ve worked with all types of people.
Tax planning is a crucial part of almost every major financial decision. And for successful families, it is even more important. We understand the cause and effect between taxes and your family’s financial life and help you identify and minimize potential tax liabilities before you act.
Building an all-weather portfolio requires taking a collective look at all your investments—including retirement accounts, personal investments, and properties. We evaluate your entire investment landscape and structure our portfolio allocations accordingly, considering employer stock and other concentrated securities.
It is difficult to imagine life for your family after you are gone, but that’s exactly why estate planning is so important. Without a plan, taxes may erode your wealth and reduce the legacy for your family. Having assets in multiple countries only magnifies the importance of having a smart strategy in place.
The financial life of an executive is complicated and coordinating all the elements takes time. With RSUs, options and other stock-based programs, your compensation may take a variety of forms—each with its own set of rules and conditions. We can help you hedge risk, mitigate taxes, and when the time comes, sell for maximum value.
As you consider a move into or out of the U.S., it pays to plan and fully understand how your financial situation will change. Often, there are opportunities to plan before a relocation, and doing so can relieve stress while saving time and money.
Our cross-border planning team has a deep knowledge of the investment, tax and other financial planning complexities that international families face. You do not have to fly solo on your global journey. Let us be your partner.
Andrew Fisher
Partner & San Francisco Bay Area Market Leader
Internationally mobile individuals often struggle to find an advisor with the expertise to make smarter decisions. Do not be one of them. Put our cross-border experience to work for you today.