OUR SERVICES
Financial advice that puts you first
We help you plan your financial life, manage your investments, and navigate your cross-border taxes with ease and simplicity.
Our planning-led approach, supported by US tax-efficient portfolio management and enhanced by regular reviews, provides a financial peace of mind freeing you to live your life.
Total Wealth Management Service
Tanager’s financial advisors are experts in helping transatlantic households understand and plan their financial lives. With knowledge of US and UK pensions, tax efficient investments, trusts, education and retirement planning we are well equipped to help you understand and meet your financial goals.
Regulation
We are regulated by both the US SEC and the UK FCA, which means we can advise on and manage your finances on both sides of the Atlantic. You can view our listing with the SEC here and the FCA here. We have a clear fee structure that covers all costs.
How our Charges Work
We will always break our services down and explain how we charge our fees.
We charge fees based on the investable assets we advise on and manage. A minimum annual fee applies for smaller portfolios. We charge you for our financial planning, advice and intermediation services alongside our discretionary investment management service which is also subject to VAT for UK residents.
Total Wealth Management Service
Getting to know you
Our service provides an initial financial plan which includes a fact find and risk profile together with a review of your existing financial situation. The plan will include recommendations in respect of custody, your accounts and an investment portfolio. Once a new client agrees to our recommendations, we help with new account applications and transfer assets before agreeing a completion strategy to move existing holdings to the new recommended investment plan.
Ongoing management
At this point we start managing your investments on a discretionary basis. This means that Tanager is given permission to manage the day-to-day strategy of your investment portfolios. Thereafter, we provide periodic reviews, typically annual unless otherwise agreed, and continue to monitor changes to UK and US taxes and investments that may affect our clients. Advisory relationships are available by separate negotiation.
A dedicated team
You will have your own personal financial advisor. That advisor is backed up by our support teams: our Financial Planning Team will assist with your plan, our Investment Team monitors your portfolio and our Client Service Team will assist with account opening, transfers and ad hoc requests.
Our advisors are always available whenever you have a question.
Ongoing reporting and cash management
We provide our clients with US and UK tax reporting to help professional tax advisors meet your US and UK tax compliance requirements. Our client portal provides up to date consolidated portfolio reporting together with transaction and holding data across both US and UK accounts and wrappers.
Our Client Service Team provides valuable assistance helping our clients with domestic and international fund transfers, often saving our clients time and money.
How we can work together
Financial Planning
Adding value to US/UK individuals and families with a carefully tailored financial plan to help you understand and reach your life goals.
Investment Management
Discretionary investment management tailored to your specific needs as a transatlantic household.
Philanthropy & Giving
Living abroad does not alter your commitment to give to worthy causes. Being a US and UK taxpayer you will want to ensure you make the most of your gifts to charities in both locations.
Questions?
Yes. Tanager Wealth Management is authorised and regulated in both the US and the UK to provide investment management services. We do not hold client money or assets, preferring to outsource custody to large, stable custodians in both countries.
We charge an ongoing fee based on the amount of assets that we are advising on and managing. Our investment management fees are subject to VAT for UK residents. We do not take commissions from third parties.
We charge a minimum fee of $6,500 per annum. Families with less than $500,000 may wish to work directly with a specialist tax advisor to ensure they are reporting their taxes correctly before considering making investments.
No, Tanager is not authorised or regulated to provide tax advice in the UK or the US. We strongly recommend that our clients work with US and UK qualified tax advisors with experience of both jurisdictions. We are well connected to the leading practitioners in both the UK and the US and are pleased to make introductions as appropriate.
Yes, Tanager can advise on US and UK pensions. UK pensions are highly regulated and care should be taken when reviewing pension transfers. Tanager has an experienced Financial Planning Team that undertakes detailed research on existing UK client pensions and our Client Service Team is adept at implementing and managing pension account consolidation.
Yes, Tanager is registered with the SEC as a Registered Investment Advisor and is able to work with households resident in the United States, including households with legacy UK pensions.
ABOUT US
American-led financial advice for transatlantic households
Tanager is led by dual-nationals in Britain and the US that have lived internationally. We formed Tanager to guide you on your journey to a successful financial future.
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