Cross-border financial planning support for professional advisers
Complex client cases do not always fit neatly within one professional discipline.
International careers, overseas pensions, changing residence, US connections, business exits, cross-border families and retirement abroad can create financial-planning issues alongside tax, legal, accounting and fiduciary advice.
The Finance with JC Professional Adviser Centre is designed for professionals advising internationally mobile clients whose pensions, investments, retirement plans or wider finances cross jurisdictions.
Professional resources for cross-border client cases
Technical briefs
Professional guides
Professional checklists
How Josh Clancey works alongside professional advisers
Josh works alongside accountants, tax advisers, lawyers, trustees, fiduciaries, wealth professionals and other advisers where a client's financial-planning decisions intersect with their existing professional advice.
Depending on the circumstances, his role may include:
- retirement planning
- UK and international pension planning
- US retirement-account planning
- investment strategy
- cash-flow modelling
- retirement-income planning
- protection planning
- currency considerations
- beneficiary and estate-planning coordination
- financial planning before and after business exits
- implementation and ongoing wealth management where appropriate
The objective is not to replace an existing adviser.
Tax advice remains with the client's tax adviser. Legal advice remains with the client's lawyer. Trust, fiduciary, immigration, accounting and other specialist matters remain with the relevant professional.
Where several disciplines interact, the aim is to coordinate the financial-planning decisions with the specialist advice already being provided.
Professional resources for your client work
The Professional Adviser Centre includes technical briefs, professional guides and practical checklists covering recurring cross-border planning issues.
These resources are designed to help professional advisers:
identify financial-planning issues that may sit alongside their own work
recognise common cross-border red flags
establish relevant information before a client acts
understand when pensions, investments or retirement planning may need further review
identify circumstances where additional financial-planning input may be useful
Resources are available as direct PDF downloads from the document centre.
Professional advisers Josh works alongside
Accountants
Financial-planning support where pensions, investments, retirement plans, business interests or international circumstances interact with accounting and tax work.
UK Tax Advisers
Support with financial-planning decisions surrounding residence changes, pensions, investments, repatriation, retirement and internationally held wealth.
US CPAs & US Tax Advisers
Financial-planning support for Americans abroad, internationally mobile US taxpayers and clients with US retirement accounts, non-US investments or cross-border family circumstances.
Private Client Lawyers
Coordination around pensions, investments, beneficiaries, retirement assets, liquidity and internationally held wealth alongside private-client legal advice.
Estate Planning & Probate Lawyers
Financial-planning input where pensions, investment accounts, insurance, beneficiaries, inherited wealth or assets across jurisdictions sit alongside estate and probate work.
Financial Advisers & Wealth Managers
Cross-border planning support where a client's circumstances fall outside an adviser's normal jurisdiction, proposition or technical scope.
Corporate Finance, M&A & Business Exit Advisers
Personal financial planning before and after a business transaction, including liquidity planning, investments, retirement, protection and longer-term family wealth.
HR, Reward & Global Mobility Teams
Planning support for internationally mobile executives dealing with relocation, retirement accounts, equity compensation, end-of-service benefits and wider personal finances.
Related Links
- International Tax Lawyers
- Family Lawyers & Divorce Professionals
- Employment Lawyers
- US Estate Planning Attorneys
- STEP Practitioners & Trust and Estate Professionals
- Professional Executors & Probate Practitioners
- Pension Lawyers & Pension Specialists
- UK Pension Trustees & Scheme Administrators
- Private Banks & Relationship Managers
- Family Offices
- Trustees, Fiduciaries & Trust Companies
- Immigration, Residency & Citizenship Advisers
- US Immigration Attorneys
Where financial planning commonly intersects with professional advice
Cross-border cases often become more difficult where several otherwise separate decisions need to work together.
Examples include:
- a client changing residence while holding pensions and investments in several countries
- a British expatriate preparing to return to the UK
- a US citizen holding non-US investments
- a client with a 401(k), IRA or Roth IRA after leaving the United States
- a non-US client with significant US-situs assets
- a client approaching a UK pension transfer or retirement-income decision
- a family coordinating pensions, wills and beneficiaries across jurisdictions
- a shareholder preparing for a business sale
- an internationally mobile executive holding RSUs, options or concentrated employer shares
- a client preparing to retire in a different country from where their assets were accumulated
In these situations, financial planning can help connect the specialist advice with the client's actual pensions, investments, cash flow and longer-term objectives.
When might it be useful to involve Josh?
Before a client moves country
A residence change can affect pensions, investments, account access, currency exposure, protection and longer-term retirement planning.
Before a client returns to the UK
Existing overseas assets, pensions and investment structures may need to be reviewed alongside tax and legal advice before the move takes place.
Before a pension is transferred or accessed
The financial-planning decision may depend on retirement objectives, residence, beneficiaries, tax advice and the client's wider asset position.
When a US connection changes the planning
US citizenship, Green Cards, retirement accounts, investment restrictions, PFIC exposure and cross-border beneficiaries can materially change the analysis.
Before or after a business sale
The client's position may move from concentrated business ownership to significant personal liquidity in a short period of time.
When assets and beneficiaries span several jurisdictions
Investment accounts, pensions, insurance, wills and beneficiary nominations may need to be considered together.
When retirement needs to be modelled
Cash-flow planning can help test retirement dates, spending assumptions, pension options, investment withdrawals and future residence scenarios.
When professional advice needs to be implemented
Tax or legal advice may establish the framework. Financial planning may then be required to translate that framework into practical pension, investment, protection or retirement decisions.
Common client situations
A client is moving country
Review pensions, investments, account access, currency exposure and wider planning before or after an international move.
A client is returning to the UK
Pre-arrival planning may involve overseas assets, pensions, investment structures, residence and longer-term estate considerations.
A client has pensions outside their current country
Cross-border pension decisions may affect retirement income, beneficiaries, tax planning and future residence.
A client has a US connection
US citizenship, Green Card history, retirement accounts, investments and family circumstances can materially affect financial planning.
A client is preparing for retirement abroad
Pensions, investments, cash flow, tax, currency and residence need to work together.
A client is preparing to sell a business
A business exit can create major decisions around liquidity, investment strategy, retirement and family wealth.
A client has an international estate or family
Pensions, investments, beneficiaries and estate arrangements may span several legal and tax systems.
An executive has complex remuneration
RSUs, options, deferred compensation and concentrated shares can create connected financial-planning decisions.
Technical briefings for professional firms
Cross-border issues increasingly appear within otherwise domestic professional relationships.
A UK professional firm may have clients emigrating, returning from overseas or holding foreign assets.
A US firm may advise clients moving abroad, holding non-US investments or forming international families.
A UAE or GCC-based firm may work with British, American and other internationally mobile clients whose pensions and investments remain in their home countries.
Josh can provide focused briefings for professional firms on financial-planning issues that commonly intersect with their work.
Briefings can be tailored around the firm's client base and the situations its advisers encounter in practice.
Have a client case you would like to discuss?
If a client's pensions, investments, retirement planning or wider financial position intersects with the work you are already undertaking, an initial discussion can help establish whether additional financial-planning input would be useful.
There is no requirement to make a formal introduction simply to establish whether Josh is likely to be able to help.