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International Private Client

U.S. Expatriates and
U.S.-Connected

For U.S. citizens, green card holders, beneficiaries of U.S. trusts and U.S.-connected families.

Investment Solutions

For U.S. Citizens Living Abroad

Investing for Americans living abroad doesn’t have to be a headache.

At a time when many wealth management firms are reluctant to serve U.S. expatriates, we have built our expertise around the complexities they face. We understand the unique investment considerations that arise when managing wealth across borders and jurisdictions. You can read our latest insights here.

Whether you expect to live abroad for a few years, a lifetime, or somewhere in between, we can develop a comprehensive cross-border investment plan tailored for you and your family, designed to remain effective and portable wherever life takes you.

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Cross-Border Complexity

What Are the Challenges?

U.S. citizens are required to pay taxes on their worldwide income and gains, regardless of where they live or invest. This requirement introduces complexities and challenges for Americans seeking to develop a thoughtful, long-term investment plan.

  • How do you design a portfolio that can meet your risk and return objectives with only a limited array of available investment options?
  • How do you invest in a tax-efficient way that stays compliant with the ever-changing tax laws and regulations in multiple jurisdictions?
  • How do you manage your currency risk in order to meet your financial liabilities in the future?

U.S. Expatriate Recording Insights

Hear More From Our Experts

Short conversations on practical investment and planning considerations for U.S.-connected individuals and families living in the U.K.

Audio insight Key investment and planning considerations when moving from the U.S. to the U.K. 

Speakers

Georgina Guy Head of International Strategic Advisory 
Billy Mathews, CFA Portfolio Manager 

In this recording

  • Identify your U.K. residence date and remaining FIG years.
  • Use the four-year window to review global assets and structures.
  • Prepare early if you may remain beyond year four.
Listen to the recording

Read the related insight  

Audio insight Can and should U.S. citizens living in the U.K. open an ISA? 

Speakers

Olivia Burke Portfolio Manager 
Billy Mathews, CFA Portfolio Manager 

In this recording

  • The U.S. does not generally recognize the ISA wrapper as tax-free.
  • Provider access and PFIC rules can narrow the investment universe.
  • Review the wrapper and underlying holdings together.
Listen to the recording

Read the related insight  

Our Approach

How We Invest for Americans

Direct Equities and Bonds

We build concentrated portfolios of direct equities and bonds, leveraging our large internal investment research resource.

U.S. Mutual Funds with Foreign Resident Access

All clients have access to our wide range of U.S. mutual funds. Unlike most firms, Brown Advisory permits foreign resident investors into our mutual funds. Additionally, for those living in the U.K., our entire mutual fund range has HMRC reporting status, which allows them to be owned tax efficiently for U.K. and U.S. taxpayers.

  • Eight internal active equity strategies supported by over 30 analysts and portfolio managers.
  • Seven internal fixed income strategies supported by over 15 analysts and portfolio managers.
  • Five subadvised equity strategies, giving clients access to top third-party managers across the U.S., Europe, Emerging Markets, and Japan in an expat-friendly Brown Advisory mutual fund wrapper.

Foreign Funds with PFIC Reporting

As a general rule of thumb, U.S. expats should avoid investing in PFICs (Passive Foreign Investment Companies). However, we work with select foreign third-party managers to provide PFIC Annual Information Statements, which allow U.S. investors to avoid the otherwise punitive taxation.

Perspectives

Insights

Learn more about U.S. Expats  

A Holistic Approach

A Flexible Relationship

We firmly believe that a sound investment plan considers all your assets in a consolidated and holistic way.

Whether you have assets located in the U.S. or abroad, we can manage your assets across multiple U.S. and foreign account structures. This includes personal accounts, IRAs, ISAs, SIPPs, offshore trusts, family foundations, and many more.

We think about making an impact broadly—we use the term “raise the future” to refer to how we view our purpose for our clients, colleagues and communities.

Importantly, all portfolios are built to be fully portable should you decide to move, and can be managed from London or any Brown Advisory office. We are custodian-agnostic and have numerous custodial relationships in the U.S. and internationally.

Client Investment Plan

An example client investment structure showing portfolio account types held in the United States and outside the United States.

Portfolios in the U.S.

Portfolios Outside of the U.S.

Cross-Border Reporting

Multi-Currency Tax Reporting

We produce tax reports in Sterling and Dollars for all U.S.-connected clients. We work closely with their tax advisors to deliver the information they need in an accurate and user-friendly manner.

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