Thun Financial

An investment management and financial planning firm serving cross-border investors and Americans abroad.

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About Thun Financial & Creative Planning

Thun Financial Advisors was founded in 2008 with a mission to integrate U.S.-based investing and financial planning services for Americans abroad. In 2020 Thun Financial Advisors was acquired by Creative Planning with a goal to expand its reach to cross-border families in the U.S. and to non-U.S. citizens residing outside the United States. At the time it joined forces with Creative Planning, Thun Financial managed more than $600 million of assets, working with clients in over 60 countries. Thun Financial now operates as the international wealth management group within Creative Planning and continues to grow its international clientele through its focus on cross-border planning.

Roger Healy, CFP® , MBA of Thun Financial, a division of Creative Planning, will present on estate planning for U.S. expatriates and multi-national families in a cross-border world. Focused on Americans abroad we will review the following complex issues:
  • Estate Planning Goals
  • Multi-National Estate Planning
  • Probate, Trusts, Foundations, & Other Devices
  • Transfer (Estate, Inheritance and Gift) Taxes
  • Tax Treaties and Credits
  • Multi-National Investment Management

The PFIC Problem and U.S. Expat Investment Management (Passive Foreign Investment Company)
02.18.2021 by David Kuenzi, CFP® and Roger Healy, CFP®

Roger Healy, CFP® , MBA of Thun Financial, a division of Creative Planning, will present a detailed explanation of the Passive Foreign Investment Company regime and how it specifically impacts U.S. Expats.
Roger will explain:

  • How to recognize a PFIC and where you may already own them
  • The three very different ways income from a PFIC can be taxed
    • Qualified Electing Funds
    • Mark-To-Market
    • §1291 (Default) Treatment
  • How you must report PFICs on your U.S. tax return
  • Next steps, options, and caveats

Investment Management and Financial Planning for Americans Abroad Webinar
02.02.2021 by David Kuenzi, CFP® and Peter Sengelmann, CFA®

David Kuenzi, CFP® and Peter Sengelmann, CFA® of Thun Financial, a division of Creative Planning, will present on our approach to integrated Investment Management and Financial Planning specifically for the needs of U.S. Expats.
Topics include but are not limited to:

  • Maintaining U.S. investment accounts
  • Expat financial planning and tax strategy questions
  • U.S. and foreign treatment of IRAs, 401(k)s and other U.S. retirement accounts
  • Investing strategies and asset allocation in the cross-border environment
  • Currency management
  • Problems with investing in non-U.S. mutual funds (PFICs)
  • Planning for mixed-nationality and families with U.S. and non-U.S. citizens
  • Retiring abroad
  • College savings
  • Charitable giving
  • And many more related topics!

Five Key Cross-Border Wealth Management Questions to Answer Before Moving Abroad

Thun Financial's newest article by Jake Mongler covers some basic financial questions everyone should answer before moving overseas:

  • Will your investment strategy still work? Will your current advisor still be able to help?
  • Will your current estate plan create more problems than it solves?
  • And more…

Expat Roth Conversions Q&A

Thun Financial's article by Jake Mongler discussing Roth conversions as a tax-reduction strategy for U.S. expats:

  • The advantages and drawbacks of Roth conversions
  • For which countries a Roth conversion makes financial sense
  • What’s the right timing for a Roth conversion

Inheriting from the U.S. While Living Abroad: Gift or Gotcha?

Thun Financial's article by Nancy J. Metzger for U.S. citizens receiving an inheritance while living abroad highlights key issues including:

  • Estate tax treaty, domicile and residence implications
  • How factors of local law, asset location, and relation to the deceased affect inheritance tax
  • Strategies to mitigate taxation and avoid surprises