If you’re a British expat in the US, navigating investment decisions can be more complex than it appears. While ISAs are a great tax-free savings tool in the UK, they don’t enjoy the same benefits under US tax laws.

Many expats unknowingly face unexpected tax bills, IRS penalties, and compliance headaches simply by holding an ISA. But with the right strategy, you can structure your savings to minimise tax burdens and maximise returns.

Are you at risk of unnecessary taxes?

Book a free consultation with our cross-border financial planners to explore your options.

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ALREADY HAVE AN ISA? HERE'S WHAT YOU SHOULD CONSIDER:

If you opened an ISA before moving to the US, you might assume it remains a tax-efficient way to save. However, as a US taxpayer, your ISA is no longer sheltered from taxation.

Ask yourself:

Am I unknowingly accumulating US tax liabilities on my ISA investments?
Do the funds in my ISA fall under the IRS’s Passive Foreign Investment Company (PFIC) rules, triggering punitive tax treatment?
What are my options for restructuring my investments to minimise tax burdens?

Many expats find that their ISAs create more tax complexity than benefits.

The good news?

With the right financial strategy, you can take steps to mitigate tax issues and optimise your savings.

Instead of navigating these complexities alone, Headway Wealth’s cross-border financial planners can help you explore smarter options, including:

Tax-compliant investment strategies that maximise returns while avoiding PFIC pitfalls
US-friendly alternatives such as Roth IRAs, which offer genuine tax-free growth in both the UK and US
A holistic financial plan tailored to your UK-US tax obligations

FREE INITIAL CONSULTATION

Expert guidance. No cost. No obligation.

Speak to a cross-border financial planner today about your unique situation and get a free strategy session tailored to your unique cross-border needs.
Take control of your financial future today.

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BRITISH EXPATS IN AMERICA: WHAT SHOULD YOU DO WITH YOUR UK ISA?

BOOK YOUR FREE INITIAL CONSULTATION

ALREADY HAVE AN ISA? HERE'S WHAT YOU SHOULD CONSIDER:

THE TAX PITFALLS OF ISAs FOR US TAX PAYERS

WHAT ARE YOUR ALTERNATIVES?