Cross-Border Financial Planning
This is the heart and foundation of our service proposition to our clients. Through our Life-Centered Financial Planning approach, we aim to bring clarity and understanding to all the relevant areas of our clients' financial lives and manage their finances towards the ultimate objective of living their best lives.
We focus on helping our clients to identify, achieve and maintain their desired future lifestyle without fear of ever running out of money. We believe that many, if not all, of the "money concerns" and investment/product focuses and worries people tend to have actually stem from the same fear - that they may one day be forced to alter their lifestyle downwards, or not be able to meet all their desired lifestyle obligations (e.g. putting their children through college etc.). We bring clarity and confidence to the issue in the form of a concrete, regularly reviewed and updated, living financial plan that focuses on securing their desired way of life.
It is only once we understand you and your lifestyle objectives that we can start to consider products and investments, and not the other way around. 401ks, IRAs, 529 plans, SIPPs, QROPS, mutual funds, ETFs, stocks, trusts, pensions - we provide advice on all of these, but these are servants of a plan and not the plan itself.
Our primary focus is YOU, not your money.
If you would like to get a better idea of what we mean when we talk about "Life-Centered Financial Planning" and indeed our wider proposition, please check out this blog post T&T USA: Integrated Life, Financial and Investment Planning for British Expats Living in America
Would we be a good firm for you? Who Approaches T&T USA and Why
What's it all about? T&T USA: Delivering Better Outcomes
How We Charge
We charge clients an agreed ongoing Total Wealth Management fee that includes all aspects of Life-Centered Financial Planning and Investment Management. More details on our fees can be found in our Form ADV Part 2A Disclosures.
We do not earn any fees other than those explicitly agreed with you upfront. No one pays us but you, and you will be made aware of any and every fee you pay us before you pay a penny.