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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.

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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.

Get in touch

We help transatlantic families with their financial life

Contact us

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

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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

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Investment Management

Discretionary investment mangement tailored to your specific needs as a transatlantic household.

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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 $6,000 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 rax 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.

Insights

News and insights from our team

ESG Philosophy
What is an International SIPP
Mixed Nationality Couples

Secure your financial future

Our team of experts are ready to discuss your financial future.

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Abbas Somji

Abbas Somji

PARTNER AND FINANCIAL ADVISOR

Abbas moved to London in early 2018 to be with his British wife. Born in the United Kingdom and raised in Botswana, Abbas then migrated to Houston where he attended University. He began his professional career at an RIA in Houston and holds the Series 65 license and US CFP® . He brings with him a decade of experience in advising High-Net-Worth clients and business owners. Abbas is a Partner and Advisor and ensures he’s helping clients navigate the complicated world of being an expat in the UK. He particularly enjoys providing clients with the clarity and confidence to pursue their financial goals. A sports enthusiast, Abbas enjoys conversing about and playing soccer/football and attending Liverpool matches.

Read more… Abbas Somji, Beyond the Bio

 

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Alistair Jackson

FINANCIAL ADVISOR

Alistair joined the team at Tanager in 2019 following his completion of an MPhil in English at the University of Cambridge as a John Crook Scholar. With three years of experience working across our Investment and Financial Planning teams, Alistair transitioned to the Advisor Team in January 2022. His time is now focused on the production and implementation of robust planning and investment strategies for our clients on either side of the Atlantic. Outside of the office, Alistair’s time is divided between exploring East London’s many food markets, spending time with friends and family, and travelling abroad.

 

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David Costello 4681

David Costello

PARTNER AND FINANCIAL ADVISOR

David arrived in the UK on New Year’s Day 2014 and brought with him fifteen years’ experience advising private clients and business owners. He attained the U.S. Certified Financial Planner designation in 2007. David specialises in building financial plans for UK based households that include US taxpayers and is tirelessly committed to helping Tanager clients maximise their wealth and achieve their stated goals and objectives while navigating the US/UK tax and investment landscape. David is a Non-Hodgkins Lymphoma survivor and is active in volunteering and fund raising for the support toward the treatment and eradication of blood cancers.

Read more… David Costello, Beyond the Bio

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Gail Hamilton King

Gail Hamilton- King

FINANCIAL ADVISOR

Gail joined Tanager in 2021 as a financial advisor with more than fifteen years of experience in senior investment banking and management consulting roles at Morgan Stanley and Deutsche Bank. She enjoys leveraging her financial experience to make a tangible difference for Americans living in the UK by helping to manage their complex finances globally. Gail moved to the UK from Chicago to complete an MBA at London Business School. As a dual UK/US family living in west London, she understands the challenges our clients face.

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Jeff Hedges

SENIOR PARTNER AND FINANCIAL ADVISOR

Jeff is a founding Partner of the firm and serves as a Senior Financial Advisor. For the past twenty years, he has managed the investment needs of high-net-worth US families living in the United Kingdom. Combining cross border know-how with an extensive international network, Jeff delivers robust solutions for his clients. He graduated from Colgate University and from the Fletcher School of Law and Diplomacy, where he met his wife. Jeff spent a year at Charterhouse in high school. Jeff has three grown sons and a daughter. He is a history buff, avid footie supporter and likes to spend his holidays in eastern North Carolina.

 Read more… Jeff Hedges, Beyond the Bio

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Jeremy Bailey

SENIOR FINANCIAL ADVISOR

Jeremy joined the Tanager team in 2019 bringing fifteen years of experience in helping clients align their finances with what is most important to them. He specialises in retirement income strategies and multigenerational planning. Jeremy decided to leverage his US/UK dual citizenship status to relocate to London in 2017. He quickly identified the breadth of financial challenges faced by Americans and US connected families living and working abroad. Jeremy comes to London via Cleveland Ohio and Miami Florida. In his free time, he enjoys running the Thames path, spending time outdoors, and travelling.

 

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Kristopher Heck

MANAGING PARTNER

Kristopher has lived in London since 2007 and combined his ten plus years of experience in the Institutional Asset Management Industry in the US and Europe and personal experiences as an expat to found Tanager. A founding partner and Chief Investment Officer, Kris has been a guest lecturer at the London School of Economics and has particular interest and experience in portfolio efficiency – encompassing tax, cost, and the optimal risk budgeting of a client’s assets. Kristopher is as avid fan of the Baltimore Orioles and enjoys going back to Maryland whenever he is able to.

 

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Kyle Pettigrove

PARTNER AND FINANCIAL ADVISOR

Kyle is a Certified Financial Planner ™ (CFP ®) and joined Tanager in London in 2016 having moved to the UK with his fiancée. A US/UK dual citizen and Philadelphia native, Kyle previously worked as a financial advisor in the US specializing in retirement planning. Now spearheading Tanager’s stateside office in Philadelphia, Kyle brings both relevant personal and professional experience to his role and covers the areas of pensions for US residents, British expats and transatlantic families living in the US. Outside of his work life, Kyle is an avid traveller and craft beer enthusiast.

Read more… Kyle Pettigrove, Beyond the Bio

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Nicole Ralph

Nicole Ralph

SENIOR FINANCIAL ADVISOR

Nicole joined the Tanager team in 2020 and brings over fifteen years of senior leadership and client experience in helping US expats and foreign nationals relocating to the US. Nicole has held the CFP® designation since 2011 and earned an MBA from the Wisconsin School of Business in 2016. As a dual US/UK citizen herself, she is intimately aware of the complex challenges facing families, having moved back and forth three times with her own family. She now lives in Hove with her husband and youngest daughter. In her free time, she enjoys walking her dog along the seafront, hot yoga, learning Italian and travelling.

Read more… Nicole Ralph, Beyond the Bio

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Patrick Mulhern

PARTNER AND FINANCIAL ADVISOR

Born and raised in New Hampshire, Patrick moved to Scotland at seventeen to study at the University of St. Andrews and has been picking up knowledge of life on both sides of the Atlantic ever since. A Partner and Financial Advisor, he specializes in complex planning for high-net-worth clients, international estate planning and inheritance issues. Prior to working in Financial Planning, he worked for a trust and estate law firm and co-wrote the book Estate Planning to Die For. Patrick lives in Sussex with his wife and children. He gets back to New England as often as possible and is one mountain short of having hiked all 4,000 Footers of the White Mountains.

Read more… Patrick Mulhern, Beyond the Bio

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Susan Blaylock

FINANCIAL ADVISOR

Susan joined Tanager in 2019 upon moving to London. She is a Financial Advisor and has over a decade of experience in the financial services industry, mainly as a CPA. What she loves about financial planning is the opportunity to help people understand and achieve the financial goals that are most important to them. She enjoys the challenge of working with the complex situations of US expats. Susan shares Tanager’s philosophy of developing strong relationships with clients and gaining a deep understanding of their financial situations and life goals. Outside of work, Susan enjoys exploring, including hiking in the Alps, canyoning, kayaking London’s canals, cycling, and spending time with friends and family.

Read more… Susan Blaylock, Beyond the Bio

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Tori Bown

FINANCIAL ADVISOR

Tori joined Tanager in May of 2022 after moving to London in late 2021 to join her English Husband. Prior to joining Tanager, Tori worked in Dallas, Texas for a large wealth management firm for over five years where she specialized in financial planning for high net worth clients. As a Certified Financial Planner ™ , she’s developed a holistic approach to wealth management that incorporates all aspects of a person’s financial life. Tori enjoys helping clients define and achieve their financial goals by enabling them to put context around their finances.

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