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Planning for Globally Mobile Clients and Assets
International tax compliance, multi-jurisdiction asset structuring, and coordinated investment strategies for clients with cross-border financial lives.
Wealth Management Solutions
Explore each discipline within our integrated wealth management platform. Select any service below to preview our approach — then visit the full page for a deeper look.
Financial Strategy for Global Lives
When your financial life spans more than one country, everything gets more complex — taxes, investments, estate plans, retirement accounts, and insurance all carry cross-border implications that most advisors simply aren't equipped to address.
BRIM's cross-border advisory service is built for individuals and families navigating dual tax obligations, foreign asset reporting, international estate structures, and the coordination challenges that come with wealth spread across jurisdictions.
Whether you're a U.S. citizen living abroad, a foreign national building a life in the United States, or a family with financial ties to multiple countries — we build plans designed to keep you compliant, tax-efficient, and fully coordinated across borders.
What Cross-Border Advisory Covers
Our cross-border planning integrates tax compliance, investment strategy, estate design, and retirement portability into a single coordinated framework — because international financial lives can't be managed in silos.
International Tax Coordination
Multi-jurisdiction tax planning addressing dual filing obligations, foreign tax credit optimization, and treaty-based strategies to avoid double taxation on income, gains, and estates.
Reporting & Compliance
Full support for FBAR filings, FATCA Form 8938, Form 3520 for foreign trusts and gifts, and foreign entity disclosures — ensuring you meet every obligation without penalties.
Investment & Currency Strategy
Navigating PFIC rules, foreign tax credit carryforwards, currency hedging decisions, and account structuring to ensure your portfolio is optimized across borders — not penalized by them.
Cross-Border Estate Planning
Structuring trusts, wills, and succession plans that account for conflicting inheritance laws, forced heirship regimes, situs rules, and estate tax treaties between jurisdictions.
Retirement & Pension Portability
Analyzing cross-border pension treaties, foreign retirement account treatment, Social Security totalization agreements, and the tax implications of accessing benefits across jurisdictions.
Immigration & Residency Transitions
Financial planning around visa status changes, green card implications, expatriation decisions, and the tax consequences of establishing or relinquishing U.S. residency.
How We Build Your Cross-Border Plan
International financial planning requires a methodical, compliance-first approach. Every engagement follows a structured process designed to uncover risk, coordinate across jurisdictions, and build a plan that actually works in both countries.
Cross-Border Discovery
We map your complete international financial footprint — all accounts, assets, income streams, pensions, and obligations in every jurisdiction. This includes residency status, visa type, citizenship, and any pending transitions.
Compliance & Reporting Audit
We review all current and prior-year filing obligations — FBAR, FATCA, Form 3520, foreign entity disclosures, and country-specific requirements — to identify any gaps, penalties at risk, or voluntary disclosure opportunities.
Multi-Jurisdiction Tax Strategy
Working with Brian Wendroff, CPA and international tax counsel as needed, we model tax scenarios across jurisdictions — optimizing foreign tax credits, treaty elections, income timing, and entity structures to minimize your global tax burden.
Investment & Estate Restructuring
We restructure portfolios to avoid PFIC penalties, align estate documents across jurisdictions, and ensure trusts and beneficiary designations work correctly under both countries' laws.
Ongoing Monitoring & Adaptation
Cross-border plans require continuous monitoring. Tax treaties change, residency rules evolve, and life transitions — relocations, retirement, inheritance — all trigger new obligations. We stay ahead of every change.
Who Cross-Border Advisory Serves
International financial complexity takes many forms. These are the most common scenarios we help clients navigate — each requiring its own specialized planning approach.
Foreign Nationals Moving to the U.S.
Visa holders, green card recipients, and new residents navigating U.S. tax obligations for the first time — including the substantial presence test, worldwide income reporting, and pre-immigration tax planning to minimize entry exposure.
U.S. Citizens Living Abroad
Expats managing dual filing obligations, foreign earned income exclusions, housing deductions, and the challenge of maintaining U.S. retirement accounts and investments while living overseas.
Dual Citizens & Multinational Families
Families with citizenship or financial ties to two or more countries — managing overlapping tax systems, foreign property, international business interests, and multi-country estate planning.
Cross-Border Inheritance & Gifts
Receiving or passing wealth across borders — whether it's a foreign inheritance, an international gifting strategy, or structuring trusts that comply with the estate and succession laws of multiple jurisdictions.
The Compliance Disciplines We Navigate
Cross-border planning touches dozens of overlapping regulatory frameworks. These are the core compliance and reporting disciplines we manage on your behalf — so nothing falls through the cracks.
FBAR (FinCEN 114)
Annual reporting of foreign financial accounts exceeding $10,000 aggregate value to the Financial Crimes Enforcement Network.
FATCA (Form 8938)
IRS reporting of specified foreign financial assets — including bank accounts, securities, and interests in foreign entities — above applicable thresholds.
Form 3520 / 3520-A
Annual reporting for transactions with foreign trusts and receipt of certain foreign gifts or bequests exceeding $100,000.
PFIC Reporting
Compliance for holdings classified as Passive Foreign Investment Companies — requiring Form 8621 and specific tax election strategies to avoid punitive rates.
Tax Treaties
Leveraging bilateral income and estate tax treaties to eliminate double taxation, claim reduced withholding rates, and determine residency tiebreakers.
Totalization Agreements
Social Security coordination between the U.S. and treaty partner countries — ensuring contributions are credited correctly and benefits are maximized across systems.
One Team, Coordinated Across Borders
Cross-border planning requires multiple specialists working together. BRIM serves as your central coordination point — ensuring every advisor is aligned and nothing slips between jurisdictions.
The Domestic-Only Approach vs. The BRIM Approach
Your Financial Life Crosses Borders — Your Plan Should Too
Whether you're navigating a relocation, managing dual tax obligations, or planning a cross-border estate — we'll build a coordinated strategy designed for the complexity of your international financial life.