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The goal of this book is simple: to help cross-border professionals and globally mobile families to understand their personal long-term wealth management goals and align their assets and strategies to best achieve those goals, while minimizing taxes and other expenses, and reducing and controlling risk.

Whether you scan the table of contents, look for a specific issue in the index, or just read each chapter straight through, you will likely find information in The Cross-Border Family Wealth Guide that will shed light on critical financial questions and issues facing you and your internationally oriented family, including:

• Relocation, expat assignments, and immigration

• Banking, currencies, and cash management

• Real estate – both residences and for investment purposes

• Taxation in the United States and abroad

• Entrepreneurialism and business ownership

• Investments and asset allocation

• Retirement planning

• Estate planning

Every attempt has been made to make the information in this book as accurate, timely, and usable as possible. But since (a) every family's situation is unique, (b) financial rules, regulations, and treaties are constantly changing, and (c) international financial issues often involve great complexity, in almost every case it will make sense for you to seek out qualified, competent, and caring professional advisors to assist you. At least have someone look over your shoulder and check your assumptions; in most cases, it's worth spending the time and effort to find an individual or firm to work closely with. Please allow us to take this early opportunity to say a little about our firm and its founder.

Our Firm: Worldview Wealth Advisors

The members of our professional team here at Worldview have a passion for all things international, from travel and languages to culture and, of course, investing. That is, we were drawn to cross-border wealth management because we had a passion for international people, culture, and financial matters in the first place. We also enjoy learning and seeking answers to questions, which is a good thing, because wealth management laws and strategies for cross-border families are always changing and evolving. There is always something new to learn and apply.

Along with our international focus, our firm is dedicated to being a true holistic wealth advisor. We do not have commissioned salespeople who are always angling to make the next sale or otherwise generate a commission. Instead, we specialize in advising clients through a personalized financial planning process, for which we charge a fixed one-time fee. For clients who want our ongoing help with managing their investments, we work on a fee-based model – charging a small percentage of the total amount of financial assets that we oversee – which allows us to better sit on the same side of the table as our clients.

We abide by a fiduciary standard; we do what is right for our clients and put their best interest first. Because we employ a professional advisory approach rather than the more traditional sales-focused approach of most financial advisors and stockbrokers, we are able to focus our time on first understanding our clients challenges, and then finding solutions and answers for them. Furthermore, our professionals have the highest level of credentials in our industry, including CPA (certified public accountant), CFA (chartered financial analyst), and CFP (certified financial planner).

For over a decade now, we have operated in this advisory manner and professionally dedicated ourselves to learning about all of the issues and questions facing cross-border families. Over time, we have worked hard to consolidate much of what we have learned into the volume you are now holding. What you find in The Cross-Border Family Wealth Guide, then, is the result of our research and experience in working with hundreds of families with cross-border issues, as well as what we have learned from interviews held with dozens of cross-border experts working in this area.

Worldview's Founder, Andrew Fisher: A Personal Pledge

As a CFA (chartered financial analyst) and a CPA (certified public accountant), there are many directions I could have taken my career. I chose to focus on advising cross-border families not only because I enjoy the intellectual challenge and constant learning that is required, but also because I love meeting and getting to know the many exceptional people who come my way.

Our firm's clients tend to be extremely interesting, globally oriented, multicultural, highly intelligent, and well-educated people. They are generally very appreciative not only of the quality of the investment, tax, wealth management, and long-term planning advice that we provide, but of our inherent appreciation for who they are and what they have accomplished.

For all these reasons, I have personally dedicated myself to doing whatever it takes to make sure that we give our clients the best possible advice. For example, we consciously cultivate and rely on a large network of trusted professional partners and colleagues in many different fields, an absolutely necessity given that no single professional or firm can keep track of it all.

In just the same way that I have dedicated myself to helping my clients, I have also pledged myself to putting together the best possible, most understandable, and most useful book that I could. If you are reading this, I want you to know that I am committed to your long-term financial future and to helping you and your family not just survive, but thrive, wherever you are in the world.

Andrew Fisher