For US citizens living in the UK

The US Expat Financial Library

Managing money across the US and UK means two tax systems, two sets of rules, and a minefield of traps that catch out even careful investors. This library explains the rules that matter, in plain English, so you can make informed decisions. Built and maintained by the cross-border team at Aventur Wealth.

Sam Back, Head of Financial Planning Cross-border specialist. Based in London. Happy to help US expats of any size or complexity.

Kieran Harrison, Financial Planner Series 65 and Diploma in Regulated Financial Planning qualified. US / UK planning specialist.

FCA Authorised

Cross-border specialists

No minimum asset threshold

Free Access

Your key to the library.

Enter your email and we will send you a password. Use it to log in and explore the full library at your own pace.

What's inside

Pensions: contributions, investments, and taking money out

PFICs, offshore income gains, and PRIIPs, explained

Practical routes around the investment roadblocks

Estate planning across both jurisdictions

The practicalities: filing, moving, children, and currency

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Inside the Library

Five pillars. Every decision covered.

Not a sales brochure. An interactive reference library covering the rules US citizens in the UK actually need to understand, organised so you can find what matters to you.

Pensions

Contribution rules on both sides of the Atlantic
Investment rules inside a pension, and the PFIC debate
Taking funds out: lump sums, drawdown, and the treaty
Deferred vs non-deferred US treatment of pension growth
US retirement accounts viewed from the UK

Investments

PFICs: what they are, the tax cost, and the filing burden
Offshore income gains: income rates vs CGT, and how to mitigate
PRIIPs: why you cannot simply buy US funds from the UK
ISAs: the wrapper the US does not see
Taxable investing across two systems

Solutions to the Investment Problem

Individual stocks and bonds, and why they escape PFIC status
Appointing an investment manager to access US funds
Holding cash, and when that is a rational choice

Estate Planning

Why a Will and LPA matter, in both jurisdictions
UK inheritance tax vs US estate tax: limits and lifetime gifts
The nil-rate band and residence nil-rate band explained
US federal estate tax and how the two systems interact

The Practicalities

FATCA and FBAR: the paperwork that finds you
Moving to the UK, leaving the UK
State taxes, currency, and investing for children
Keeping your accounts open

How Access Works

Email in, password back, library open

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Step 2

Log in with your password

Unlock the full library. Come back whenever you like; your password keeps working.

Step 3

Explore at your own pace

Work through the four pillars, track what you have read, and run the calculator. Talk to us only if and when you want to.