Tax efficient solutions that work across borders
Many of our clients have lived in various countries, may even have multiple citizenships, and need investment solutions that are compliant and effective in and across multiple jurisdictions. To achieve these goals, we mainly use cost and tax efficient exchange traded funds (ETFs) and build portfolios that are diversified across all major regions and asset classes. In addition, we work with leading US custodians, such as Schwab and Fidelity, that have the US domestic and international setup, and the expertise, to safekeep clients’ internationally compliant portfolios at very low costs.
By understanding your tax situation, we can help you achieve better after-tax results. This might include implementing tactical tax loss harvesting or gifting strategies, or even the accelerated realization of capital gains in a low tax year, and taking advantage of different tax rules across jurisdictions
We also aggregate multiple accounts of an individual or an entire household and take tax considerations into account when determining the best account type (such as taxable, tax deferred or tax-exempt accounts) for a particular investment. This methodology is commonly referred to as asset location and helps further improve the after-tax return of the portfolios you entrust us.
Investments that are sustainable
In addition to traditional portfolio solutions, we offer sustainable investment portfolios that take Environmental, Social and Governance (ESG) factors into consideration. ESG data on companies has become increasingly available over the last couple of years. This allows us to offer portfolios with ETFs that exclude certain industries such as weapons manufacturers or tobacco companies, or that focus on a particular theme, or aim to have a positive impact by promoting positive and limiting negative externalities. Examples include ETFs that invest in companies that benefit from the transition to a low-carbon economy or impact investing ETFs that have a positive impact on society such as fighting poverty, hunger, promoting health, education and gender equality, just to name the first 5 of the 17 sustainable development goals of the United Nations.
Discipline, expertise, and technology
We use a disciplined investment and re-balancing approach that is critical for long-term success. We work with a dedicated and seasoned portfolio management team that oversees the day to day administration of your investment portfolio.
We construct and maintain our portfolios with the help of sophisticated research and risk management tools. These tools allow us to determine the portfolio composition across market capitalizations, regions, and sectors, and across credit quality or interest rate sensitivity. We also run stress tests to understand how a portfolio would have performed during a specific market environment, such as the financial crisis or the 2013 bull market.
Our integrated and latest portfolio management system allows us to offer portfolio solutions that are tailored to your specific needs. We have the technology and processes in place to take into consideration your outside accounts such US and foreign employer sponsored pensions, and the experience to account for non-traditional investments such as private equity, hedge funds or real estate.
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We believe that a disciplined investment approach using portfolios that are well diversified across asset classes and regions can deliver superior long-term results. We build our portfolios with highly liquid and low-cost ETFs from established providers like Blackrock or Vanguard. We pay attention to asset location and follow a tax efficient rebalancing process to maximize after tax returns. We also offer ESG portfolio solutions for clients interested in considering environmental, social and governance factors with their investments. ESG portfolios have been the fastest growing segment in our investment offering.
We believe that every person deserves access to quality financial education that can empower them to make good financial decisions. For individuals and families who are unable to retain our professional services, our public benefit initiatives support free financial education through the Crossborder Planner [free newsletter and blog], and the Crossborder Academy [free webinars], covering topics like tax reporting, tax planning, saving for retirement, benefiting charities or caring for the next generation.