Resources & Blog

Who Approaches T&T USA and Why

by Richard Taylor on Dec 20, 2019

Financial Planning

Reading Time: c.4 mins

British expats living in America approach us for one – sometimes both – of the following reasons: You are trying to research your options for what do with your UK pension(s) as a US resident. If that is the case, head over to – Considering a UK Pension Transfer? This is for You – where you will find a wealth of useful information.  You are age 50+  and starting to think about what retirement might look like and what steps you need to take to get there.

SIPP Taxation for US Residents

by Richard Taylor on Dec 2, 2019

UK Pensions

Reading Time: c.3 mins

The tax treatment of SIPPs for US residents is something we are frequently asked about, so it felt like a topic we should cover in our blog. Any and every time tax is mentioned I have to lead with the disclaimer, in flashing neon, that I am not a tax adviser. My knowledge of taxation matters is informal and incidental to what I do and you cannot and must not rely on what I say when it comes to tax matters.  

Considering a UK Pension Transfer? This is for You

by Richard Taylor on Nov 29, 2019

UK Pensions

Reading Time: c.3 mins

Taylor & Taylor is primarily a financial planning business, but because we specialize in working with British expatriates we inevitably do a lot of UK pension work.  We get asked about UK pension transfers frequently. As a result, we have written a series of blogs aimed at bringing some clarity to the process and what British expatriates living in America can expect and should be looking out for.  When considering a pension transfer, there are essentially three separate questions that need answering:.  

T&T USA: Integrated Life, Financial and Investment Planning for British Expats Living in America

by Richard Taylor on Oct 31, 2019

Financial Planning

Reading Time: c.7 mins

T&T USA is first and foremost a financial planning firm. Because we specialize in British expats we do a lot of work around UK pensions / SIPPS / QROPS, but this is only a part of what we do, and pension planning – UK & US – is only a part of the overall financial planning jigsaw we work with clients to piece together.  

T&T Quarterly Market Update - Q3 2019

by Thomas Quinn on Oct 4, 2019

The Economy Stock Markets & Investing

Reading Time: c.6 mins

After the close of the third quarter of 2019, we will focus on the main themes that we tend to hear most while attempting to cut through some of the noise and hyperbole to help you understand the status quo. I will start by looking at the quarter in numbers, moving onto politics on both sides of the pond followed by a greater uplifting section on ‘The World is Getting Better’ – I’d just skip to this if I were you…   

The Case for Doing Nothing (1 of 3 Behavioral Investment Blogs)

by Richard Taylor on Sep 26, 2019

The Economy Stock Markets & Investing

Reading Time: c.5 mins

Over the last couple of months, as markets wobbled, yield curves inverted, GBP plummeted and Brexit, well, let’s not go there…  My point being, the wheels seemed like they might be coming off, the media got hysterical and people panicked. I tried to get out ahead of this and was proactive in communicating our message – “keep the faith”, “tune out the noise”, “stick to your plan”, “sit tight” and several other iterations of essentially the same message.   

UK Defined Benefit / Final Salary Pension Transfer Advice for US Residents

by Richard Taylor on Sep 20, 2019

UK Pensions

Reading Time: c.5 mins

Recently, Taylor & Taylor has been receiving a lot of enquires from US residents interested in transferring out of their UK Defined Benefit (DB) / Final Salary pension scheme and into a SIPP. This is perhaps unsurprising given transfer values are once again at record highs. Almost without fail, we find that people are blindsided by what is really involved in the process, and we are repeatedly told that there is a dearth of information online. So, I am hopefully going to rectify that now.  

GBP Hits $1.19 - What We Are Saying To Clients

by Richard Taylor on Sep 3, 2019

The Economy Stock Markets & Investing

Reading Time: c.3 mins

As I’m sure you are well aware, GBP hit a 3-year low against USD today, falling below $1.20. We have a lot of clients with a lot of money in GBP in pensions waiting to convert it into USD, as they intend on retiring in the United States and this is understandably causing them a lot of anxiety.  So, I want to address our approach and rationale to this. I’m not going to rehash where we are, or why we are here, or what I think the political outcome will be. I am going to address this purely from the currency angle and our response therein.