Anglia Advisors
Financial Planning. Re-imagined

Foreign Nationals

Foreign National Consultation

Foreign National Consultation 


As a prospective or newly-arrived foreign national living and working in the US on a visa or green card, understanding the US financial, employment, retirement planning, estate planning, overseas account reporting requirements and legal system is likely an intimidating prospect, especially when you factor in that non-citizens are not always treated the same as citizens and that your situation can be very different depending on whether you are on a visa or have a green card in place, how long you have been here and intend to stay.

After a one-time consultation with a CERTIFIED FINANCIAL PLANNER™ professional with a specialty and experience in dealing with foreign nationals in the US as well as a vast network of specialist professionals in the fields of tax, law, immigration, insurance, estate planning, credit and more, you (and your family and employer) will be ready to better face all these issues from a more educated standpoint and knowing that there is a team of professionals out there with specialist international knowledge that you can access and upon whom you can rely. Consultations may be arranged either by the client directly or by a US-based employer.


  • This service is available as a specialized two-hour version of my Hourly-Based Single Sessions

  • The consultation can be held in person at my midtown Manhattan location or, in certain cases and with their agreement, at the office locations of your immigration attorney or employer. Consultations with US-based clients located outside New York City or with clients who are overseas can take place via our video conferencing/screen-share technology.

  • The consultation will prove especially useful in advance of consideration of a change of immigration status as regulations, laws and obligations will can arise, evolve or fall away in line with any new status:

    • the first visa upon arrival

    • visa renewal

    • visa to green card

    • green card back to visa

    • green card to US citizen

    • reversal or renunciation of either green card status or US citizenship

  • Topics covered will focus on areas in which foreign nationals have particular issues as the very nature of their non-citizenship can mean they are treated differently from US citizens. These may include:

    • Retail banking, credit and debit cards

    • Immigration planning and the financial effect of changes of status

    • Credit development (more important than you may think) - See the podcast below

    • Estate Planning and the concept of domicile (warning: this can be a real biggie!) - See the podcast and the Asset TV interview below

    • Tax considerations and the concept of residency*** - See the Asset TV interview below

    • Should I buy real estate in the US? If so, mortgages and other loans, where do I go to get one where I will be taken seriously? What about my property back in my home country?

    • Renting an apartment in the US, it can be a problem with no US credit or income history!

    • Retirement planning and social security in the US, how does it work?

    • Overseas account reporting requirements - See the Asset TV interview below

    • We are about to return to our home country after a spell in the US, what do we need to know?

    • Where to get currency exchange services that are significantly better than what your bank offers

    • Life Insurance, does my non-citizenship affect my eligibility?

    • Saving for college, does my non-citizenship affect my ability to save in a tax advantaged 529 college savings plan?

    • Particular issues that can affect a non-working non-citizen spouse

    • Considerations and ramifications of non-citizens giving birth to and bringing up children in the US

    • Previous UK residents of any nationality: How to best handle an existing UK pension while you are in the US

    • Cultural adaptation

    • Translation services

    • Career and employment information

*** Important note: As a Registered Investment Advisory firm, Anglia Advisors is not permitted to give direct domestic or international tax, legal or incorporation advice, but is permitted to broadly describe the tax or legal landscape in which the client may be operating here in the US.

  • Following the consultation, a report will be sent that will review the findings, as well as providing a significant amount of highly useful resources for the foreign national who is newly-arrived in the US or is soon-to-arrive

  • Any outside specialist professionals identified during the consultation as being of use or necessity to the foreign national client will be introduced and referred shortly following the meeting

Listen to the episode of "Angles, The Anglia Advisors Podcast" called The Scary World of International Estate Planning in which Simon interviews estate attorney Shannon McNulty Esq., CFP® about what non-citizens can face in the US and need to consider when it comes to estate planning and premature death. You can also listen to great webinar on International Estate Planning by Paula Jones, Esq. which drills down deeply into his subject.

Listen to the episode of "Angles, The Anglia Advisors Podcast" called The Bizarre World of Credit and Credit Scores in which Simon interviews Anthony Davenport, founder of Regal Credit Management about the enormous importance of credit and your credit score in the US and how, as a newly-arrived foreign national with no previous US credit or income history, you can begin to navigate the system

Watch Simon talk on Asset TV about what financial advisors need to understand and be ready to discuss when it comes to foreign national clients in the US, particularly when it comes to taxes, estate planning and overseas account disclosure requirements


Please understand that if your concerns revolve exclusively or primarily around income tax matters, capital gains tax or any other kind of tax concerns in the US or any other country and/or corporate finance, commercial investment, legal incorporation and contract law issues with revolving around a small business or subsidiary in the US on which you require advice, then you should seek the services of (respectively) a specialized CPA or a contract or business law attorney with a good understanding of international tax, corporate finance, incorporation regulations and/or US employment law, and not a CFP® who is prohibited from giving direct tax advice. The same goes for immigration law, if you are looking for legal advice in this area, then you should consult an immigration attorney.

Please also understand that, as a US-based Registered Investment Advisor and holder of the United States version of the CFP® credentials, I am qualified and authorized to give personal finance and investment advice and/or any recommendations or suggestions regarding assets held or potentially to be held in the US, but cannot comment, suggest or advise on existing laws, prospective legislation, regulations, investments, rules, general conventions, government programs, taxation or treaty clauses of any kind in relation to any country or territory outside of the United States, and - in common with all financial advisors with clients located in the US - I am not permitted by regulation to discuss any form of offshore investments.




All consultation sessions will be held under the fiduciary standard. Price shown above is typical for non-complex cases, more complex cases may be priced higher. They are held in person at our location at 315 W 36th St, New York NY 10018, at a private location of the clients’ choice elsewhere in the New York Tri-State area or by online video conference (in the case of the meeting being held in person anywhere other than our location, an additional fee will be applied to compensate the Firm for both travel expenses and its time). Additional sessions are available at any time under our Hourly Sessions model to discuss other financial planning matters. The fee is payable by check at the beginning, or in advance (using Chase QuickPay with Zelle), of the session. For clients located outside the United States only, a wire transfer may be used. Portfolio Management, Student Loan Repayment Optimization and College Planning Analysis can be added to the Foreign National Consultation package for an additional fee.

WEWORK: Existing WeWork members (Hot Desk membership and above) and WeWork employees are eligible for a 10% discount.