Financial Advice for U.S. Expats
We help our U.S. expat clients achieve confidence and clarity about what they will be able to accomplish in the future.
Dr. Keith Poniewaz is our Director of International Advisory Services. Keith has a unique background, as he was a professor both abroad and in the United States before becoming a financial advisor. Drawing on his experience in academia and living abroad, Keith specializes in working with American expatriates who are either currently living abroad or are transitioning to a life outside of the United States. He also gives back to the community by volunteering with Millennium Soccer Club, a soccer club for children who wouldn’t otherwise have opportunities to play. Keith is also proud to be civically engaged in the Madison community, assisting elderly voters who need transportation to the polls every election year.
Have you recently moved abroad? Are you thinking about living in a different country? There’s a lot of information to know, especially when it comes to finance. Get started with these useful guides.
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Frequently Asked Questions
Who are clients that you mainly work with?
We generally work with clients who live, work, or are retired abroad or are planning to live, work, or retire abroad. Because we have extensive experience working with clients both inside and outside of the United States, many clients find it wise to engage us before they move as we can help maximize the efficiency of their portfolio and financial plan and help them avoid costly mistakes. Clients living abroad are required to be U.S. citizens in order to work with us.
Why should I work with someone that specializes in expats versus a “general practice” financial advisor?
There are many reasons: tax and investment compliance, seeking to maximize returns after local taxes, and minimizing currency risk. Longer-term planning considerations including asset titling and estate planning and gifting are also significantly different for Americans abroad. A “general practice” financial advisor may not have the expertise necessary to provide this information. For a fuller explanation either read our blog posts on the topic or schedule a call.
Do you have a minimum?
We don’t have a minimum, however, with the complexities around investment management, financial planning, and compliance, we generally will not take on clients below $250,000 in investable assets. We best service clients in higher net worth ranges, as many of our overall strategies are designed in a custom manner to account for factors such a taxation, estate planning concerns, and regulations related to certain types of investments.
Will I have a problem opening accounts?
Provided you do not live in a country restricted by American or international law, we can open accounts for you wherever you live. We use a variety of custodians including Interactive Brokers, TD Ameritrade and Charles Schwab in order to accomplish this. For more information, please contact us directly. We make every effort to match the best custodian for your situation.
What systems or interfaces do you have in place to facilitate meetings/communications?
We host the majority of our meetings using web conferencing software and allow you to schedule at your convenience with our online scheduling tool. Our technology suite offers client web portals where we can share our proprietary financial plans, investment allocation and performance and risk analysis. We are constantly looking for ways to improve our technology offerings to suit the needs of our U.S. expat clients.
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