Rest assured with a GPS for your finances
Comprehensive, collaborative and continuous financial planning that’s always along with you on life’s journeys.
Welcome to the GPS Planning Program
Get yourself a Financial GPS: Decide where you want to go, explore ways to get there, get step-by-step directions, and receive real-time alerts to detour as circumstances change.
Ongoing Cross-Border Financial Planning
Financial planning isn’t a one-time project or a static document. Effective financial planning is about building a long-term relationship together that helps you uncover your values and goals, clarify your big picture, develop smart strategies, and take actions to get things done. It proactively evolves as your life changes.
- Cash flow
- Investments
- Tax planning
- Retirement
- Insurance
- Estate planning
- Life events and special topics
CASH FLOW
- Figure out where your money goes
- Determine your realistic spending and saving levels
- Pinpoint how much discretionary income you can allocate to goals
- Develop systems for optimizing your cash flow (for individuals, couples or your small business)
- Manage multi-country & multi-currency cash flow issues
INVESTMENTS
- Evaluate which accounts to contribute to, how often and how much
- Consider account types in the context of potential international moves
- Determine appropriate investment vehicles
- Recommend the appropriate asset mix for your goals
- Select specific investments
- Manage your assets, if you choose
- Review portfolios periodically (rebalance and harvest tax losses as necessary)
- Review non-standard investments, including:
- RSU and options
- Foreign accounts
- Individual stocks and bonds portfolio
- Venture capital
- Inherited accounts
- ESG / SRI / Impact portfolio
TAX PLANNING
- Calculate US tax withholding
- Estimate quarterly tax payments
- Review draft tax returns
- Develop strategies to optimize taxes
- Consider US and foreign taxation in planning projections
We do not file taxes, but will work with your existing tax preparer or recommend a competent tax preparer*
*We never receive commissions or compensation for any referrals that we make
RETIREMENT
- Figure out when you can stop working (if you want)
- Plan for your ideal retirement scenario
- Plan for financial independence
- Incorporate social security and US and foreign pensions
- Analyze implications of retiring abroad
INSURANCE PLANNING
- Review insurance needs
- Recommend appropriate insurance types
- e.g. health, life, disability and property and casualty insurance
- We do not sell insurance, but can refer you to insurance specialists* if needed
*We never receive commissions or compensation for any referrals that we make
ESTATE PLANNING
- Review existing estate documents
- Make recommendations for efficiently transferring wealth to your heirs
- Consider US and cross-border estate planning issues (e.g. guardianship, gifting, estate tax, inheritance tax, exit tax)
- Refer you to qualified estate attorneys* to create your estate documents in the US and abroad
*We never receive commissions or compensation for any referrals that we make
LIFE EVENTS AND SPECIAL TOPICS
Deep dive analysis on specific financial decisions, such as:
- Equity compensation strategy
- Moving analysis
- Family planning: Marriage, divorce, children
- Job and career changes
- Evaluate and budget for major purchases
- Starting and running a business
- Inheriting money from abroad
- Planning for retirement or child’s college in a foreign country
- Supporting or gifting to family
