Retiring in the US

Whether you're a US citizen or an expat looking to retire in America, we have a range of services available with a dedicated team of experienced advisers based in the US ready to provide you with a holistic solution to your retirement planning.

Retirement planning for expats in the US

For expats moving to the US, transferring their pension can be a complex process as the IRS (internal revenue service) does not recognise foreign pensions as qualified plans in the US. This means that any contributions you make to your foreign scheme will not reduce your US taxable income, while contributions made by your employer will only serve to increase your taxable income.

However, we can advise on the following financial arrangements which may be suitable for expats looking to transfer their pensions to the US:

• International Pension Plans (IPPs)—both Regular Contributions and Single Contribution.
• Bespoke US Self-Invested Personal Pension (SIPP)
• Management of existing QROPS pensions
• 401k retirement plans
• IRA rollovers

Estate Planning

Inheritance planning is a process that often goes hand-in-hand with preparing for retirement. Having a well-founded strategy in place helps you to pass on your wealth to your beneficiaries in the most tax-efficient way possible and should make the inheritance process considerably less stressful for your loved ones.

International Mortgages

As part of your retirement plan, you might be interested in moving or buying property abroad. Through our international mortgage solutions service, we can help you arrange the financing and repayment of a property abroad, helping you secure your dream retirement.

Through the services mentioned above, we can offer a holistic solution to your retirement planning needs in the US. If you would like to arrange a complimentary, no-obligation review of your finances you can get in touch by filling in the form below.