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 is a Creative Planning team of cross-border specialist wealth managers and financial planners that work with American citizens abroad and international families in more than 65 countries. Creative Planning is a nationally recognized independent wealth management firm in America, with approximately $100 billion in assets as of November 2021.

Announcements


Schwab Closing Access to US ETFs for Americans in the EU – Creative Planning Can Provide an Alternative

Charles Schwab is informing it’s retail clients residing in the UK and the European Union (EU) that their access to US exchange traded funds (ETFs) will be further restricted. They will no longer be able to buy US ETFs under the “professional” elective designation as of February 10, 2022. The professional elective allows an exemption to the EU Packaged Retail and Insurance based Investment Products legislation (PRIIPs), part of the EU’s 2018 MiFID II regulations. The PRIIPs regulations do not allow the distribution of US ETFs directly to retail investors resident in the EU. Schwab clients who are working with an advisor – like Creative Planning and its international wealth management team, Thun Financial – will not be restricted and can still own and purchase US ETFs under an exception granted in the MiFID II regulations.

Creative Planning and Thun already use Schwab as a custodian and will be able to provide a seamless transition for individuals impacted by the change. We also have relationships with Fidelity and Pershing if you are interested in making a change. When working with Creative Planning and Thun, we can typically use local addresses for account opening and remove many of the restrictions that individual investors encounter when trying to invest from outside the U.S.

We welcome an opportunity to discuss how we can help with all your cross-border investing and planning needs. You may call us at +1.608.237.1318, or contact us on the web.


Our Team Hosts Q&A Webinar Devoted to Your Questions About U.S. Expat Investing and Financial Planning
Tue, Jan 25 by David Kuenzi, CFP® and The Team

We consistently receive feedback that the Q&A session is among the most useful aspects of our webinars. Therefore, we will host a webinar that is completely devoted to your questions about U.S. expat investing and financial planning. All Thun / CP international wealth managers will be available on the webinar and will field questions in their respective areas of expertise. Please join us and get your specific cross-border financial situation addressed by our best. Question topics may include (but are not limited to):

  • Expat financial planning and tax strategy questions
  • U.S. and foreign treatment of IRAs, 401(k)s and other U.S. retirement accounts
  • Asset allocation
  • Saving for retirement
  • College savings
  • U.S. Social Security
  • ETFs, mutual funds, individual stocks and bonds – what makes sense to use
  • Maintaining U.S. investment accounts
  • Compliance and tax reporting strategy
  • Finding competent tax preparers and lawyers
  • Retiring abroad
  • And many more related topics!

Key Estate Planning Concepts and Issues for U.S. Expats & Cross-Border Families
10.28.2021 by David Kuenzi, CFP® and Roger Healy, CFP®

David Kuenzi, CFP® and Roger Healy, CFP® of Thun Financial a Division of Creative Planning present on the complex issues regarding estate planning when Americans and mixed nationality families own assets across borders. This webinar will help Americans abroad understand these complexities from a financial planning perspective by covering:

  • Update on Proposed U.S. Estate Tax Changes
  • International Probate Issues
  • U.S. and Foreign Gift, Estate and Inheritance Tax Issues
  • Tax Treaties and Foreign Tax Credits
  • Gifts/Inheritances from Foreigners
  • Mixed Nationality Family Estate Planning
  • Estate Planning Strategies, Tools and Their Portability
  • Cross-Border Portfolio Optimization

IRAs and Roth IRAs for Americans Abroad Webinar
09.14.2021 by Kathleen Kaffer, JD and Jake Mongler, CFP®

In this webinar, Thun Financial, a Division of Creative Planning, will discuss IRAs, Roth IRAs and address when the Roth conversion might make sense for American investors (especially in light of recent changes to the U.S. tax code) and the tax and financial planning considerations of such a conversion.

Topics will include but not limited to:

  • Differences Between the Roth and the Traditional IRAs
  • Eligibility and Contribution Decisions for U.S. Expats
  • The Mechanics and Tax Reporting of Roth Conversion
  • Special Considerations for Americans Abroad

Currency Management for Americans Abroad Webinar
08.17.2021 by David Kuenzi, CFP®

In this webinar, Thun Financial, a Division of Creative Planning, lays out a framework for Americans abroad to invest effectively while at the same time mitigating the risk that volatile exchange rates will upend long-term financial goals.

In the context of currency risk and investing, topics covered include:

  • Exchange Rate Volatility
  • Investment Portfolios
  • Inflation / Deflation
  • Matching Currency of Income and Expenses
  • Tax Reporting
  • Financial Planning