US Retirement Accounts Solutions

Coming Soon

Financial matters that challenge American expatriates differ from those of Americans living in the USA. In the same vein, US tax rules are complex and ever-changing. All this can be overwhelming. At Cross Border Wealth, we maintain our focus on wealth planning and retirement accounts for US-connected individuals.

Our Philosophy

Globally-mobile families should take care when maneuvering their financial needs. At Cross Border Wealth, we first identify your issues by listening intently.

We ensure that time is taken to fully immerse ourselves in your lives and pinpoint your needs.

We implement individual wealth management strategies.

We offer customized pension solutions and execute your individualized game plan.

We are here to provide you with the best and most efficient service and management.

No matter your end game and wherever you are, we are able to provide cross-border solutions.

Our Approach: How We Partner With Clients

We work with US-connected individuals around the globe to guide and manage US retirement account solutions through complex waters. Our team of expert financial advisors and wealth management experts ensure that your US-related investment goals are achieved.

Cross Border Wealth Difference

For individuals and families with assets in both the United States and other countries, it is necessary to consider the cross-border implications of managing these assets. At Cross Border Wealth, we understand expatriate issues because our advisors have many years of expatriate experience themselves. Since our founding, we have specialized in American expatriate clients.

What to Expect

The financial issues faced by American expatriates differ from those of Americans living in the USA in certain important aspects. Investment account management, taxation, estate planning, as well as global investment diversification are important considerations for US citizens living abroad, and only a financial advisor that specializes in such issues will be able to help. Cross Border Wealth manages all your US retirement account needs.

Our Approach: How We Partner With Clients

In today’s complex market and regulatory environment, we understand the continued need for innovative investment solutions and implementation expertise.

Holistic Approach to Pension Management

Assist fiduciary committees in better understanding the impact of their decisions on the sponsor’s overall balance sheet.

Risk Management

As liability management becomes a priority for the plan, our liability strategists and proprietary analytics can help plans manage toward end-game solutions.

Financial Markets

GSAM’s global team provides access to expertise across financial markets and instruments.

Regulatory Environment

Our dedicated pension strategists can help plans navigate a changing regulatory environment.

Key Differentiators

Expatriate Strategy

At Cross Border Wealth, we understand expatriate issues because it is our advisors’ core expertise. Since our founding, we have focused on expatriate clients.

Critical Approach

We have a thorough understanding of US retirement accounts which allows us to have a strategic outlook. We manage our clients’ accounts with a critical emphasis on providing solutions to our clients’ needs.

International Solutions

For individuals and families with assets in both the United States and other countries, we consider and manage cross-border implications of overseeing assets. We create and implement international solutions.

Crucial Risk Management

We are equipped with the latest technologies and processes necessary in evaluating investment portfolios and handling risk management.

Our Process

1

Analyze

We analyze our clients’ and clients’ families US retirement account needs to be able to provide the best solutions

2

Investigate

We investigate your US-related assets and find the most viable solutions

3

Implement

We execute strategies most suited to you based on our extensive research and analysis of your needs

Examples of Our Partnership with Clients

Client Description

A large multinational with pension plans in multiple jurisdictions that had taken steps to reduce the overall risk their pension plans posed to the overall organization.

Client Objective

The client was seeking a strategic partner to assist them in developing a more holistic, liability-oriented investment strategy. The client had developed a glide path and had hit a number of funded status triggers, increasing their Liability Driven Investing (LDI) allocation to approximately 60%. The client had several active long-duration fixed income managers and was seeking a completion manager to ensure the total LDI portfolio matched the client’s liability risk exposures.

GSAM Solution

GSAM was hired by the client to serve as an anchor fixed income manager. We maintained a role within the active long-duration roster and completed the LDI portfolio to a customized liability benchmark based on accounting cash flows and discount rate methodology. Since the inception of the mandate, we have served the client as a strategic partner, assisting as they work through various de-risking exercises, rebalancing between the long-duration managers based on desired target allocations, raising cash for benefit payments as needed, and serving as the Outsourced Chief Investment Officer (OCIO) for one of its international pension plans.

Client Description

A leading mobile & telecom multinational with a legacy US pension obligation representing over 50% of the organization’s market capitalization. Prior to mandate, their asset allocation was approximately 60% equities and 40% bonds.

Client Objective

The client had frozen their US pension plan to new entrants and future accruals, and was seeking support as they embarked on a large-scale pension plan restructuring with an increased focus on liability-driven investing. The client needed assistance in developing a more diversified strategic asset allocation for remaining pension plan assets, and structuring a retiree buy-out and a lump sum offer to terminated vested participants.

GSAM Solution

We worked with the client to carve out assets to use in the transaction and ran scenarios to determine the value of held bonds given a tradeoff between (a) maximizing the insurance discount and (b) hedging versus the roll-forward. In addition to managing the annuitized plan pre-transfer, and developing a derivative overlay to mitigate the market risk between the roll-forward index and the amount to be delivered to the insurer, we served as the Outsourced Chief Investment Officer (OCIO) and implemented a modernized LDI program to revamp its growth portfolio.

Client Description

A 401(k) plan looking for a full review of investment options available to its participants. At the time, the plan had approximately $500 million in assets and 19 different investment options.

Client Objective

The client had two main goals:
  1. To ensure they were providing an adequate number of choices across asset classes.
  2. To seek simplification within each asset class.

GSAM Solution

After discussing the goals and objectives with the client’s investment committee, the GSAM team advised the client to replace the growth and value style options in all asset classes with core options. They also recommended that they remove blended options, replace passive core fixed income with an active option, remove intermediate-term and long-term treasury options and move all investments to lower fee share classes. As a result, the client removed nine investment options, added a small cap core strategy, added an actively managed core bond strategy, and moved to lower fee share classes for all investments.

We're here to help. Our offices in New York City and Manila offer local and international expertise.

We're here to help. Our offices in New York City and Manila offer local and international expertise.