Who we help

American citizens living overseas

How we help

Take control of your finances anywhere

Navigating your wealth across borders can be complex but with the right guidance, it becomes a strategic advantage. Whether you’ve built your wealth overseas, in USA, or both, we specialize in creating a Global Plan that connects your overall financial picture. We take the time to understand your goals, residency plans, and cross-border obligations, allowing us to craft a holistic strategy that keeps your journey financially secured.

Whether you are emigrating, immigrating, or working overseas on a fixed-term contract, you may have left behind investments that carry certain tax advantages in one country but not in another. These mismatches can create complexity, inefficiency, and even unexpected tax liabilities. We offer a number of tailored solutions to help you restructure or reposition these assets so your wealth continues working efficiently, no matter where life takes you.

Our approach focuses on aligning your investments, pensions, and savings across jurisdictions while using smart tax-deferral strategies to optimize global efficiency. From UK pension transfers and American retirement planning, to minimizing double taxation and foreign withholding taxes, we ensure your plan is not only compliant but designed to grow and protect your wealth. Whether you’re living in USA full-time or plan to move again in the future, we’ll help you maintain control, clarity, and confidence in your financial future across borders.

For example:

If you are British You may have heard the term ROPS – Recognized Overseas Pension Scheme. A ROPS is a UK-approved vehicle that allows you to transfer your UK pensions overseas. Unfortunately the US Revenue Service will not allow incoming transfers. However ABG have constructed a qualifying UK personal pension called AMVE$T which mirrors US IRA accounts, maintain the key tax advantages, with investment funds and withdrawals denominated in US$’s.

If you are a USA citizen living or moving overseas and have left behind a 401K or an IRA, then you may find some US pension providers will not want to continue holding your account. We have a legal, tax efficient solution with respected US providers.

If you are Irish, Canadian or South African, living in the USA, then our offices in those countries can continue to look after any local investments and pensions left behind, as well as providing expert advice on releasing and reinvesting whilst meeting any government exchange control regulations and ongoing tax reporting, that may exist.

How we help

Crossing borders with confidence


Secure your future

More US financial institutions are asking their US expat clients to move their pensions away, as they’re less willing to manage accounts for overseas citizens. This can make handling your pension funds tricky. We provide a home for your US pensions, keeping them in the US but professionally managing them on your behalf.


Grow your wealth

No matter whether you intend on returning to the US or retiring in the UK, we offer IRS compliant investment solutions in either British Pounds or US Dollars. The service includes investment management and reporting that allows you or your accountant to provide the IRS with all the required information for calculating tax.

Overcome obstacles

FATCA laws are likely to affect you at some point, so stay ahead by partnering with us. We help you understand the tax implications of moving your hard-earned money. Plus, we keep any new investments FATCA friendly, so they aren’t deemed to fall into Passive Foreign Investment Company legislation – all of which we’ll explain in detail.

Our guide to FATCA

Watch and listen

Real experiences, just like yours

I have worked with Alexander Beard for more than 10 years, both in my corporate life and as a personal customer.

They have always been (and continue to be) highly professional, knowledgeable and customer-centric. Without doubt, they are my go-to employee benefits provider and pension adviser. I highly recommend them

Richard

Alexander Beard has advised me on pension savings for many years. I have felt well supported and all communication has been timely and personable.

The help they gave with securing a mortgage and remortgaging a property on return to the UK went above and beyond.

Mrs L. Prime

I have worked with Alexander Beard for more than 10 years, both in my corporate life and as a personal customer.

They have always been (and continue to be) highly professional, knowledgeable and customer-centric. Without doubt, they are my go-to employee benefits provider and pension adviser. I highly recommend them

Richard

My husband and I have been dealing with Alexander Beard for many years now. They always give excellent advice, and are prompt and courteous in their dealings with us.

Nothing is ever too much trouble and I highly recommended them.

T Drummond
94%0%

of clients believe working with us has helped or will help them achieve their financial goals

94%0%

who answered definitively said they'd recommend us to a family, friends, or work associates

67%0%

of those who said they'd recommend us said they have done so already in the last 12 months alone

Alexander Beard
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