ADVICE FOR A LIFE ACROSS BORDERS
ADVICE FOR A LIFE ACROSS BORDERS
Get an expert opinion for your better future
Get an expert opinion for your better future
Liberty Atlantic Advisors is a U.S.-registered cross-border financial advisor. Our fiduciary team offers holistic financial planning for high-net-worth individuals and families, as well as investment management for U.S. citizens and green card holders moving to or living in Europe. As U.S. advisors based in Europe, we also offer valuable local insight to support your cross-border move.
Liberty Atlantic Advisors is a U.S.-registered cross-border financial advisor. Our fiduciary team offers holistic financial planning for high-net-worth individuals and families, as well as investment management for U.S. citizens and green card holders moving to or living in Europe. As U.S. advisors based in Europe, we also offer valuable local insight to support your cross-border move.
We typically recommend that U.S. accounts and investments remain in the U.S. after a move abroad. While consolidating accounts may seem appealing and your strategy will need adjustments, transferring assets to a foreign bank can negatively impact your long-term financial goals.
We typically recommend that U.S. accounts and investments remain in the U.S. after a move abroad. While consolidating accounts may seem appealing and your strategy will need adjustments, transferring assets to a foreign bank can negatively impact your long-term financial goals.
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EXPERTISE THAT TRAVELS WITH YOU
EXPERTISE THAT TRAVELS WITH YOU
Our Services
Our Services
We help Americans navigate the financial complexities of living abroad. As U.S. expat financial advisors with firsthand experience, we offer tailored guidance for managing finances overseas.
We help Americans navigate the financial complexities of living abroad. As U.S. expat financial advisors with firsthand experience, we offer tailored guidance for managing finances overseas.
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01 / OUR EXPERTISE
01 / OUR EXPERTISE
Cross-Border Planning
Cross-Border Planning
Moving abroad as an American comes with dozens of logistical and practical questions. Where exactly will you live? How do taxes work if you have a small business in the U.S., but will become a tax resident in a foreign country? Where will your children (if you have them) go to school? Can you exchange your U.S. driver’s license, or do you need to attend a foreign driving school?
Moving abroad as an American comes with dozens of logistical and practical questions. Where exactly will you live? How do taxes work if you have a small business in the U.S., but will become a tax resident in a foreign country? Where will your children (if you have them) go to school? Can you exchange your U.S. driver’s license, or do you need to attend a foreign driving school?
After all, your financial picture will look fundamentally different if you’re planning to move to the 16th arrondissement in Paris versus the Tuscan countryside. And, at its core, cross-border financial planning is a continuous strategy for the accumulation, maintenance, and eventual distribution of your wealth, guided by your unique needs. So, every detail really matters!
After all, your financial picture will look fundamentally different if you’re planning to move to the 16th arrondissement in Paris versus the Tuscan countryside. And, at its core, cross-border financial planning is a continuous strategy for the accumulation, maintenance, and eventual distribution of your wealth, guided by your unique needs. So, every detail really matters!
What our team of U.S. expat financial advisors consistently find in our conversations with Americans in the planning stages of their move abroad is that doing so unlocks fundamentally existential questions about money. While perhaps an uncomfortable experience, it’s not shocking when you consider that moving to Europe as an American often means reevaluating the American approach to life in general; many Americans expatriate to Europe seeking a reprieve from the U.S. “rat race.”
What our team of U.S. expat financial advisors consistently find in our conversations with Americans in the planning stages of their move abroad is that doing so unlocks fundamentally existential questions about money. While perhaps an uncomfortable experience, it’s not shocking when you consider that moving to Europe as an American often means reevaluating the American approach to life in general; many Americans expatriate to Europe seeking a reprieve from the U.S. “rat race.”
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Portfolio Management
Portfolio Management
Moving or living abroad as an American with a sizeable investment portfolio comes with complex considerations.
Moving or living abroad as an American with a sizeable investment portfolio comes with complex considerations.
Chief among these is the importance of understanding how the double taxation treaty governs the international finances of U.S.-connected people in both the country of residence and the U.S.
Chief among these is the importance of understanding how the double taxation treaty governs the international finances of U.S.-connected people in both the country of residence and the U.S.
Close on the heels of this is the importance of interpreting how the pulse of global markets is reacting to international events, including political elections, international geopolitical developments, and diplomatic relationships between countries. Our approach to investment management emphasizes compliance, strategic diversification, and a level-headed focus on your long-term goals.
Close on the heels of this is the importance of interpreting how the pulse of global markets is reacting to international events, including political elections, international geopolitical developments, and diplomatic relationships between countries. Our approach to investment management emphasizes compliance, strategic diversification, and a level-headed focus on your long-term goals.
We invest for Americans in a tax-efficient manner, in line with their overall financial plan and tax obligations
We invest for Americans in a tax-efficient manner, in line with their overall financial plan and tax obligations
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Tax Optimization
Tax Optimization
One of the first questions that arises when moving or living abroad and facing a U.S. tax season is, “Will I be subject to double taxation?”
One of the first questions that arises when moving or living abroad and facing a U.S. tax season is, “Will I be subject to double taxation?”
To accomplish this, our team provides a full suite of cross-border tax optimization support to both private individuals and international business owners. Factors for evaluation include earned income, passive income, and estate planning.
To accomplish this, our team provides a full suite of cross-border tax optimization support to both private individuals and international business owners. Factors for evaluation include earned income, passive income, and estate planning.
Concrete examples of this type of support look like include:
Concrete examples of this type of support look like include:
• Road mapping PFIC and FATCA compliance,
• Road mapping PFIC and FATCA compliance,
• Determining liability for the net investment income tax (NIIT),
• Determining liability for the net investment income tax (NIIT),
• Maneuvering around the risk of foreign wealth taxes,
• Maneuvering around the risk of foreign wealth taxes,
• Navigating tax and estate planning challenges related to non-American spouses and multinational families,
• Navigating tax and estate planning challenges related to non-American spouses and multinational families,
• Leveraging education savings and charitable giving opportunities, and more.
• Leveraging education savings and charitable giving opportunities, and more.
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Retirement Planning
Retirement Planning
Moving abroad for retirement is becoming increasingly popular for Americans seeking a reprieve from the U.S. And while many high earners or high-net-worth individuals can afford retirement in the U.S., leaving often facilitates the mental disconnect and shift necessary to truly lean into and enjoy your golden years.
Moving abroad for retirement is becoming increasingly popular for Americans seeking a reprieve from the U.S. And while many high earners or high-net-worth individuals can afford retirement in the U.S., leaving often facilitates the mental disconnect and shift necessary to truly lean into and enjoy your golden years.
Of course, leaving the country also comes with important considerations where financial planning is concerned, particularly when retirement planning anticipated retiring in the U.S.
Of course, leaving the country also comes with important considerations where financial planning is concerned, particularly when retirement planning anticipated retiring in the U.S.
That said, our team believes that you should be able to retire wherever you want in the world with the confidence that your finances are being cared for with the same diligence and attentiveness that you paid in during your working years. We’re fully versed in interpreting double taxation agreements to strategize the most sustainable way to tap your retirement tree, whether it’s from a 401(k), IRA, capital gains sales such as real estate or stocks, or passive income from rental property ownership.
That said, our team believes that you should be able to retire wherever you want in the world with the confidence that your finances are being cared for with the same diligence and attentiveness that you paid in during your working years. We’re fully versed in interpreting double taxation agreements to strategize the most sustainable way to tap your retirement tree, whether it’s from a 401(k), IRA, capital gains sales such as real estate or stocks, or passive income from rental property ownership.
LET’S LOOK AHEAD
Your next chapter
starts with a
conversation.
Your next chapter
starts with a
conversation.
Bring your questions, your ambitions, and your plans for life across borders.
LET’S LOOK AHEAD
Your next chapter
starts with a
conversation.
Bring your questions, your ambitions, and your plans for life across borders.