Expats in America

At Harrison Brook, our advisers have extensive knowledge of both the European and US markets, ensuring a synergy between your planning goals.

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Getting results

Our reputation is built by winning trust, but also delivering on our promises. We love working closely with our expat clients, giving sound financial planning advice to leverage wealth and help grow their investment portfolios.

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There is a high chance that, due to regulations and local permissions, your assets in the UK can no longer be actively managed. There may also be further restrictions with respect to future investments due to the protectionist nature of the IRS and the American system.

Services for expats in the US

UK Pension Transfer

Having moved to the US, you may wish to consider your options regarding your UK pension schemes. Depending on your personal circumstances and how long you plan to stay in the United States, it can sometimes make sense to transfer these to a more bespoke solution.

By consolidating and transferring your UK schemes, you could benefit from ongoing professional investment management, as well as reducing future currency risk by holding your funds in US Dollars (USD) rather than Sterling (GBP).

Furthermore, some UK pension schemes do not offer flexible access to non-UK residents. This may mean your only option is to fully encash the pension which could create a large tax liability in the US. Considering the high level of state and federal taxes that can be imposed, it’s important to organise your pension arrangements to avoid any unforeseen surprises.

It is also likely that you will have retirement vehicles starting in the US, such as 401Ks or IRAs. Our advice team at Harrison Brook can help to assess the suitability of a transfer, along with the management of any US accounts.

Investment Consolidation

Working and living around Europe may have resulted in the creation of various overseas investment accounts. As someone moving to the US, it is essential that your investment accounts remain compliant at all times in order to avoid significant future taxation concerns and fall foul of IRS requirements.

Whether you will be in the US for the short or long term, it’s extremely important to ensure you use US compliant solutions for your savings and investments. For non-US compliant investments, generally known as a Passive Foreign Investment Company (PFIC), the IRS can impose significantly greater tax rates on these holdings. The PFICs rules came into place through tax reforms passed in 1986, and they were introduced to reduce the amount of tax avoidance from holding offshore investments. Moreover, after the introduction of the FATCA legislation in 2010, requirements were placed on all foreign financial institutions to report on the assets held by US citizens and US permanent residents. It’s therefore integral to ensure your assets are compliant as they will be reported regardless of where they are held.

Here at Harrison Brook, we specialise in tax-efficient and compliant investment accounts that are tailored for foreign nationals moving to the States. We are SEC regulated and are experienced in cross-border financial planning. This means we have access to different providers and products that are compliant and in line with your situation. Planning ahead, in particular with your assets, is important as a US resident and it is an area we can assist with. 

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.


  • "From my first contact with Jack Camille I was impressed by the service of Harrison Brook. Advice was clearly given after an in-depth financial review. Advice was very clearly outlined and came with regular reviews of progress. Excellent service all round."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "James was able to instantly build rapport, while he guided me through the process of opening an account. This is my first account of this nature, and I had countless questions. James patiently explain things in a way which was easy to understand, while still listening to what I had to say. I really appreciate his insight."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "My financial knowledge is very limited but I knew I had to do to invest somewhere. I found the market scary and intimidating. I think really its a mine field. I am very grateful for finding Harrison Brook as they have been outstanding. From the very start they have guided me through the process in an honest and transparent manner explaining every step. Even after a lot of hesitation on my behalf. I don't think I could be happier with the first 6 Months. James Rayburn has been a class act answering all my interrogations patiently and professionally. I would recommend him and Harrison Brook to friends and family. The advice I have received has been very financially rewarding. I look forward to working with Harrison Brook and James for a very long time. Probably one of the best decisions I have ever made."

Harrison Brook has a 5 star independent service rating on Feefo

One of our expert financial advisers will aim to get back to you within 12-24 hours.