Get Clarity For Your 401(k) Outside the US

This service is for Americans or US connected people who:

• Have a 401(k) and now live outside the US
• Are planning to leave the US
• Want to understand rollover and withdrawal options
• Need clarity on long-term retirement income
• Want advice without sales pressure
• Have been told their 401(k) has to be closed
• Want a second opinion about advice already received

If your future no longer centers on the US, your retirement planning should reflect that.

The information you provide using the form on this page is used solely to understand your situation and identify the most suitable specialist for you.

We review your details internally and share only what is necessary with the selected adviser so they can prepare for an initial conversation that is relevant to your needs.

We do not sell your data, add you to mailing lists or pass your information to multiple firms.

Within 24 hours of receiving your enquiry, we will contact you by email to confirm the selected partner and explain the next steps.

Once we have introduced you to our partner, you will be contacted by them directly and invited to have a short discovery call with them.

The free discovery call is for people who are considering professional help and want to understand the process and get to meet a trusted expert before committing.

It is:

• A free, structured 15 to 30-minute conversation
• Designed to build confidence and set expectations
• Focused on understanding what kind of help you may needed
• A check to see whether a paid consultation or a more formal service is the best next step
• A chance for your to review our partners' credentials and suitability for you

It is not:

• A way to get detailed questions answered
• A substitute for a consultation or advice
• A route to free advice or planning

A free discovery call is perfect for someone who is unsure what to do next and will help determine the correct route before any commitment is made, without any obligation to proceed.

If you need answers to questions, guidance or recommendations, our partner will propose a formal arrangement with them. This may take different forms, but will usually be a fee-based service where terms and deliverables will be explained clearly and you can decide whether to proceed or not. 

If you need specific guidance, answers to technical questions or wish to proceed to formal wealth management advice, our partner will set up a formal meeting with you which will take the form of a fact find consultation.

This allows them to:

• Ask you specific questions to establish your financial objectives and risk profile.
• Review your circumstances in more detail
• Explain different investment and financial options available to you
• Complete formal onboarding, including anti-money laundering checks
• Outline fees, limitations risks and next steps

At this stage our partner may also request a deposit, which would be a % of the overall fees.

You should only proceed with formal assistance if you are comfortable, and you are under no obligation to proceed.

This fact-find is an essential part of the advisory services our partners provide. Without it they cannot provide recommendations or advice.

Following the fact find, our partner will produce a written report setting out their professional assessment and recommendations.

While the exact content varies depending on your circumstances, this usually includes:

• An overview of your current financial position and evaluation of your risk profile
• A summary of your objectives and priorities
• An analysis of existing pensions, investments or arrangements
• Consideration of risk, time horizons and income needs
• Options for meeting your retirement or long-term goals
• The potential advantages and disadvantages of each option
• Costs and fees associated with the advice and each recommendation, including tie in periods and early exit fees

The purpose of the report is to give you a clear, structured basis for making informed decisions, with recommendations that should reflect your personal goals.

Even at this stage, you do not need to proceed with the advice and suggestions offered and you should never proceed if you feel any pressure to do so.

Financial advice is a professional service and as such formal services will always be chargeable.

Any potential fees, costs and next steps will be explained by the adviser directly during your discovery call and you remain in control of whether you proceed.

Fees may be fixed according to the service provided, or they may be based on a percentage of investment under management. 

Some advisers may request a deposit before carrying out detailed work. This is not a sales tactic. It reflects the time and expertise involved in reviewing your circumstances properly.

There is no obligation to progress beyond the free discovery call and no deposit will be due until you have agreed to proceed.