Cross-Border Wealth Planning

International
Liquidity Mechanics.

For Foreign Nationals with U.S. Situs Assets, the estate tax exposure is immediate and severe. We architecture the liquidity structures required to neutralize this liability.

The Exposure

The "Situs Asset" Trap.

While U.S. citizens enjoy substantial lifetime exemptions, Non-Resident Aliens (NRAs) are often limited to a statutory $60,000 exemption on U.S. property. Real estate, equities, and business interests above this threshold face a confiscatory 40% estate tax.

Many international families build U.S. wealth without realizing the liquidity crisis their heirs will face. The result is often a forced liquidation of the very assets they intended to preserve.

"It is not enough to simply own the asset. You must own the liquidity required to keep it."

Global City
40% Federal Estate Tax Rate
on U.S. Situs Assets

Cross-Border Architecture

Aligning U.S. liquidity with international tax treaties.

Foreign National IUL

We access specialized carriers that offer U.S.-denominated Indexed Universal Life policies to non-residents. These contracts provide dollar-based asset diversification and tax-advantaged growth.

Automatic Premium Loans

Designing self-funding structures that minimize the need for the international client to move capital across borders annually, reducing friction and currency risk.

QDOT Coordination

For mixed-citizenship marriages, we fund Qualified Domestic Trusts (QDOTs) to defer estate taxes, ensuring the surviving non-citizen spouse maintains lifestyle continuity.

Global Footprint

Authorized in Key Jurisdictions

LATAM • Asia Pacific • Europe • Middle East

*Solicitation of insurance is conducted in strict accordance with the nexus laws of the United States and the client's home jurisdiction.