Looking for an IFA for US-UK pensions and investments - ideally in London

Can anyone recommend a good IFA for US-UK pensions and investments?

There are a couple of specialist firms, but if you tell us what you are looking for exactly we might be able to help....or at least prime you for a professional.


Sent from my iPhone using Tapatalk

Nun, it's for advice regarding pensions (Roth IRA) in the US and pensions here in the UK. Plus savings, for example UK ISAs.

Let me flag that I work for one of the following firms.
One of these might work for you.
Maseco, Tanager, London and Capital, Independence Wealth Management. 

I'm not necessarily saying these firms are all good: I am saying these are the only ones I know of who can answer your specialised question. I am not saying they will offer a service which you will find to be value for money.

I am not sure you want an IFA. You are not asking for advice on buying a new (retail) product, and I can't think of any with the requisite knowledge. The alternatives above are asset managers who also offer UK US  planning with tax competence and some of them offer an in house tax service.

Thanks – I appreciate your help!

Westminster Wealth are IFAs who specialise in advising Americans. You may find them (or another IFA) better for your needs than approaching an asset manager directly.

Nun, it's for advice regarding pensions (Roth IRA) in the US and pensions here in the UK. Plus savings, for example UK ISAs.

You can contribute to a ROTH IRA if you have earned income on your 1040. So this usually means you'll have to use Foreign Tax Credits rather than the FEIE. If you have an existing ROTH account you are all set, but you will find it very difficult to open one without a US residential address. There are no US or UK tax issues to worry about.

In the UK you are ok with employer based pensions and probably SIPPs too.you should be careful to deal with your and your employer's contributions correctly for US tax purposes. That means either declaring the contributions as part of your taxable income on your US tax return and using FEIE or FTCs to cover the US tax due and thus building up a US tax free basis.....or you can use the treaty to defer US tax on the contributions. I would invest in a two or three inexpensive, broadly based, bond and equity index tracker funds and avoid actively managed funds even if they promise to beat the market.

Outside of pensions you should avoid the UK equivalent of mutual funds. A cash ISA is ok as is a stocks and shares ISA as long as you only invest in individual company stocks. These ISAs will be fully taxable in the US.