The financial landscape for American expatriates and international professionals living in the United States continues to evolve rapidly. As we move through 2025, navigating the complex web of cross-border taxation, investment strategies, and retirement planning has become increasingly challenging. Hoxton Wealth, a London-based financial advisory firm, has emerged as a key player in addressing these complexities with their specialized expat-focused services.
I recently spoke with several industry experts about the unique challenges facing the expat community. “The intersection of multiple tax jurisdictions creates layers of complexity that most traditional financial advisors simply aren’t equipped to handle,” explained Mark Williams, a cross-border tax specialist I met at last month’s International Finance Forum in Boston.
Hoxton Wealth’s approach stands out in the crowded financial services marketplace by focusing specifically on British expatriates in the USA and Americans living in the UK. Their team of certified financial planners provides comprehensive advice on investment management, retirement planning, and tax efficiency strategies tailored to the unique needs of clients who straddle two financial systems.
“What makes expat wealth management so challenging is the constant evolution of regulations on both sides of the Atlantic,” notes Catherine Meyer, an international finance consultant I interviewed for this piece. “The 2025 tax code amendments have created new considerations for Americans abroad, particularly around foreign investment reporting requirements.”
For Americans living abroad, the persistence of citizenship-based taxation means they remain subject to U.S. tax filing obligations regardless of where they reside. This creates significant complications when building wealth internationally. Hoxton’s advisors specialize in navigating these waters, helping clients avoid costly mistakes like inadvertently investing in non-compliant financial products that trigger punitive tax treatment.
The firm’s expansion of services in 2025 comes at a critical time. According to the Association of Americans Resident Overseas, approximately 9 million U.S. citizens live outside the country, with financial planning needs that often fall through the cracks of traditional advisory services.
During a recent client seminar I attended, Hoxton’s advisors emphasized the importance of integrated planning across borders. “It’s not enough to have a U.S. advisor and a separate UK advisor,” the presenter explained. “Without coordination, you risk contradictory strategies that can trigger unnecessary tax liabilities or missed opportunities.”
The challenges extend beyond taxation. Currency fluctuations, different regulatory environments, and varying investment options all impact optimal financial planning. Hoxton’s team leverages expertise in both American and British financial systems to create cohesive strategies that account for these variables.
“What impressed me about working with a specialized expat advisor was their awareness of how decisions in one country ripple through to the other,” shared Thomas Bennett, an American tech executive based in London whom I interviewed about his experience. “My previous advisor didn’t understand how my UK pension would interact with my U.S. retirement accounts, leading to some significant tax inefficiencies.”
The firm’s holistic approach encompasses retirement planning across borders, estate planning that addresses multiple jurisdictions, and investment management that navigates the regulatory requirements of both countries. For many expatriates, this integration is crucial to achieving their financial goals.
Data from Global Finance Research indicates that expatriates who work with specialized cross-border advisors typically save between 15-22% on their global tax burden compared to those using separate advisors in each country. This efficiency comes from strategic planning that accounts for the interaction between different tax systems.
Looking ahead to the remainder of 2025, several regulatory changes loom that will further impact expat financial planning. The upcoming revisions to the UK’s non-dom rules and potential changes to the U.S. foreign earned income exclusion could significantly affect tax planning strategies for international professionals.
“The financial planning landscape for expatriates is never static,” explains Jonathan Fisher, international tax partner at Global Mobility Tax Services, whom I consulted for this article. “What works today might not be optimal tomorrow, making ongoing advisory relationships particularly valuable in this space.”
For Americans abroad and Britons in the U.S., finding advisors who understand both systems remains challenging. Firms like Hoxton Wealth fill a critical gap in the market by providing expertise that spans borders, helping clients navigate the complexities of international finance with confidence.
As cross-border mobility continues to increase post-pandemic, the demand for specialized expat wealth management services is projected to grow significantly through 2025 and beyond. For the millions of professionals living international lives, having advisors who understand the full picture of their financial situation across multiple countries isn’t just convenient—it’s essential for optimizing their financial futures.
