The Premier Firm for US Expatriate Financial Advisory Services
Our Clients
Clients on six continents trust IAM to help them grow their investment portfolios and attain their financial goals. We specialize in investment management and financial planning for people with cross-border financial concerns. As an IAM client, you can always count on dealing directly with a financial advisor who holds the highest professional credentials in their field and who has the experience to take a proactive approach to offering financial advice specifically tailored to your situation.
Americans Abroad
At IAM we have specialized in providing investment management and financial planning services for US expatriates since the firm was founded in 2002. The financial issues faced by American expatriates differ from those of Americans living in the United States in certain very important respects. Investment account management, taxation, estate planning, currency transfers and hedging; as well as global investment diversification are important considerations for US citizens living abroad and only a financial advisor that specializes in this area will have the knowledge and experience to assist with such issues.
Non-US Citizens in the USA
As a non-US citizen living in the United States you face financial considerations that may be quite different from those in your home country. Pension plans, taxation of income and investments, estate tax, and retirement and education savings accounts work differently in the United States than in other countries. Furthermore, for individuals and families with assets in both the United States and other countries, it is necessary to consider the cross-border implications of managing these assets. Cross-border tax, estate planning, and portfolio management are highly specialized fields – at IAM we have in-house expertise and a global network of cross-border professionals who help our clients address such financial planning concerns.
Retirees or Planning for Retirement
Optimizing multiple sources of retirement income such as social security, pensions or annuities, and income from taxable or tax-deferred investment accounts, can help lower the amount you pay in taxes, increase your cash flow in retirement, and ensure that basic needs as well as unexpected expenses are covered. Studies have shown that optimization of retirement income can add one to two percent per year to a person’s sustainable withdrawal rate in retirement – in a $1,000,000 portfolio that would be an extra $10,000 to $20,000 per year in cash flow. We employ sophisticated financial planning software and optimization techniques to help you get the most out of your savings during retirement.
US Companies With Non-US Citizen Employees
IAM provides consulting services to US companies with non-US citizen employees. If such employees are new to the USA they may not fully understand such issues as how their pension plans work and the treatment of these plans should the employee at some point return to his or her country of citizenship. Furthermore, new US residents may face difficulty in establishing credit or obtaining a mortgage and may be unfamiliar with how the US financial and tax system works. IAM contracts with companies to consult one-on-one or in a seminar format with such employees to familiarize them with the US financial system and advise them on their specific financial needs.
Globally Minded Investors
Investment management
Financial planning
Financial consulting
Since 2002 IAM has specialized in investment management for expatriates – Americans living outside the USA and non-US citizens living in the USA. As a result of this specialization we have developed considerable expertise in managing globally-allocated investment portfolios and we offer this expertise to any client who would like to take advantage of global investment opportunities. Our investment accounts are multi-currency and we have access to over 100 market centers in 20 countries at very reasonable trading and currency exchange costs. The United States now makes up less than 50% of the global investment market so it makes sense to access opportunities in other markets. Increasingly many companies are choosing to list in only non-US markets and so their shares cannot be purchased by a broker with only US access. Furthermore, non-US companies tend to pay higher dividends and may offer substantial diversification benefits within a globally-allocated portfolio.