Totally Free Cross Border Guidance
Absolutely no strings attached, no sales, no coercion, no gimmicks…
just simple, free and holistic guidance on the options available to you.
info@a-m-consultants.co.uk
Who am I and what do i know about finances?
I’m Alan Macdonald. I’m just a regular guy, married with two kids. I also have two dogs and a cat. However, behind this mid life fairly standard façade I am a 46 year old financial services veteran with 28 years under my belt. I’ve worked in most sectors throughout my career…
From Pensions to Mortgages, Private Banking to Offshore Advice.
I’ve lived in many countries around the world and know what it is to be an expat and I also know just how complicated things can get when dealing with assets and debts in multiple jurisdictions around the world.
Do you provide Advice?
No. I am not regulated in the UK or the US to provide Financial Advice. Therefore our call will not be Advice led. The ultimate goal is to get a better understanding of your situation and let you know what options are available. This information is freely available online but it is a minefield of misinformation and confusing posts on forums.
Having previously been a financial adviser, i know what works and what doesn’t and I can provide you with the pro’s and con’s of all the options available to you, allowing you to make an informed decision on the next steps.
What aspects can I assist you with?
UK Pensions
I can provide you with guidance on the options available to you, depending on your location. I will not recommend any specific providers.
UK Investments / ISAs
Having UK Investments whilst living in the US is a bit of a minefield owing to the PFIC rules about collective foreign assets. I can guide you accordingly.
Cross Border Tax
An absolutely minefield too. I do not proclaim to be a US/UK Tax expert, but i had worked exclusively in that space for 7 years, so I can hopefully help.
State Pension and WEP
Did you know that having the UK state pension and the US social security pension at the same time can be problematic. Check out the WEP situation.
Property and Mortgages
Regardless of whether you are looking to buy in the UK or the US, I have at my disposal an array of highly profession mortgage managers who can help.
US Assets / 401k roll / IRA
If you are looking for some guidance on your existing US products, I can provide my guidance here. If you are planning on leaving the US it is best we speak.
and more…
What’s in it for me I hear you ask?
I have worked long and hard over the years and have managed to build a significant book of business. I left the advice sector in 2022 to concentrate on an Expat Focussed UK SIPP pension that i co-created with a number of other Ex Financial Advisers. However, i kept getting calls and referrals. I didn’t want all my knowledge to go to waste, so i still help anyone who asks.
If that help then requires you to get some actual advice, I will introduce you to a fully regulated and reputable fiduciary advisory firm from within my Network, that can help you.
685
Introduced clients
351
Who needed Advice
$46M
In portfolio value
What Clients Say
I’m not normally one to toot my own horn, however some people on LinkedIn have some nice things to say about me and the service I provided them, so i have copied them here for you to see.
★★★★★
I’m a UK expat in the US with a stranded UK work pension. I wanted to transfer my pension into a SIPP but the UK makes it very difficult to do and advisors willing to help are very hard to find. Having eventually found Alan I can tell you that his deep knowledge of the process helped me successfully navigate the transfer and the funds were received today. This would have been next to impossible to do without Alan’s help so I heartily recommend him to any expat looking to take control of a stranded pension.
D Ross
US expat – via LinkedIn
★★★★★
3rd time a charm. We had tried 2 other advisors before Alan, and they were a complete fail. We had no idea how complicated it was to liberate monies from our various UK pension schemes, but Alan has made the whole process pain free, and we have seen the results as promised, he has handled the whole process with ease, including dealing with a 6 hour time difference. Great communicator, straight forward financial guidance. He also introduced us to an outstanding mortgage broker who helped us get a UK mortgage after being out of the country for years. (No small feat!, especially as the builders mortgage experts failed), so trust his referrals, they are top notch just like him!
I Poulton
US expat – via LinkedIn
★★★★★
I found Alan via an online search and wanted to share an excellent experience, in particular Alan’s responsiveness and very clear explanations of the moving parts to the Pension transfer. The problem he solved was my “stuck” UK pension being moved into an more malleable structure that allowed a US person to manage and it gave me back control, and I was very happy at the service i got. Strongly recommend.
K Brennan
US expat – via LinkedIn
These reviews are fully verifiable on my LinkedIn page.
Frequently Asked Questions
I’d prefer to answer these with you over a call, but as you might have some initial questions prior to jumping on said call, then hopefully these will help you.
Free Guidance – there must be a catch?
No catch, genuinely i am giving away free guidance. I have 27 years of finance experience locked away in my brain and I don’t want it to go to waste. I am happy to help where i can.
If it is free, then how to you make a living?
I am currently the CEO and owner of a UK pension company that allows expats to transfer their frozen UK pensions into, so that they can retake control over these assets. In regards to helping you, i have arrangements with various parties and should my guidance lead to advice and help with some financial aspect, then i will introduce you to someone from within my existing network who can help. They may or may not (depending on the firm) pay me an introducer fee upon the completion of their work with you.
Who do you work with?
Lawyers, Investment Managers, Financial Planners, Mortgage Managers, Cross Border Tax Planners, Banking Partners, Insurance Agents and more. Over my many years in the expat advice space i built up a large network of professionals who are experts in their field. If during our call it sounds like you might need their help, i will make an introduction and leave it to you to connect.
Guidance, not Advice!
As mentioned before, I do not (and cannot) provide you with financial advice. I generically let you know of the options available and allow you to streamline your own due diligence so you don’t have to spend months navigating the void!
Where are you based and what hours do you work?
After living offshore for many years, I returned to the UK from Dubai in 2016 and have since settled. However, given i am used to speaking to people in Thailand and in California, i have to be flexible with my hours. Within reason, i can cover UK times 7am to 10pm Monday to Friday and if there is no other option in your schedule, i can do Weekends too.
Contact me
Make an Appointment
If you are ready to make the next step and discuss your situation in greater depth please feel free to reach out to me on
+44-7388-587447
info@a-m-consultants.co.uk
Top Floor 52 Market Street, Ashby de la Zouch, LE65 1AN
The link below will allow you to directly book a meeting at a day and time that suits your schedule automatically.