Services

Thun Financial Advisors provides integrated financial planning and investment management for American investors living abroad and at home. We analyze our clients’ entire financial picture and goals and direct their investments accordingly. Our fee ranges from 0.3% to 1.5% of assets under management depending on the size of the portfolio and the complexity of planning needs. We focus on the following financial services:

Needs Analysis

We use sophisticated planning software and detailed financial information to make projections that answer questions such as: How much will I need at retirement to maintain my lifestyle? How much must I save between now and then to reach that goal? What risk will there be that my assets may not be enough to maintain that lifestyle throughout my retirement?

Investment Management

Thun Financial’s investment strategy emphasizes diversification, strategic rebalancing, cost efficiency, and prudent tax management. Please see the Investment Management page for more information.

U.S. and International Taxation

Since every investment and financial decision must be weighed in light of its tax implications, we continually work with our clients, coordinating with accountants and lawyers as necessary, to help answer questions such as: What changes do I need to make year to year in response to changes in the tax code? How does country-of-residence taxation affect U.S. tax obligations, planning decisions and investment strategy? How do I ensure that my children pay the least amount of tax possible when they inherit my tax-deferred retirement accounts?

Issues Facing Americans Living Abroad

American expatriates face a particularly complex set of choices regarding investment strategy and financial planning. Please see Americans Living Abroad for more information.

Retirement Planning

Once a client has established investment goals, Thun develops a plan for optimal use of retirement accounts and recommends an appropriate asset allocation. Questions that will be answered include: Is a Roth IRA or a traditional IRA more appropriate? When should I rollover an old 401k into an IRA? If I am self-employed, should I establish a SIMPLE, a SEP or an individual 401k plan? Which of these options are available to U.S. expats? Can an expat have a 401k or IRA? If I intend to retire outside the United States, in what currency should my investments be held?

Estate Planning

Proper estate planning can vastly increase the after-tax wealth left to heirs. Coordinating with estate attorneys, we help guide clients through the maze of available estate planning techniques. Our goal is to minimize the various taxes triggered at death and assure that assets end up in the hands of those intended by the client. Our expertise encompasses the complexities of estate planning for U.S. citizens living abroad and working with non-resident alien investors to minimize their U.S. estate tax obligations.

Insurance

How much life insurance do I need? What is an Irrevocable Life Insurance Trust (ILIT) and should I have one? Are annuities ever a smart investment? Are non-U.S. insurance policies appropriate for U.S. taxpayers? We help clients understand how insurance products work and which ones are appropriate for each individual situation.

College Savings Plans

529 plans, UTMA custodial accounts, Coverdells (ESA) – what is the best way to save for college expense? How much will I need to save each year to make sure the money is there when they head off to college? Thun Financial integrates college savings planning for American expats with clients’ larger financial goals and strategies.

Charitable Giving

How can I maximize the tax advantage of charitable giving? What is a Charitable Remainder Trust and when is it an appropriate planning tool? We help clients sort through all the options and figure out the smart way to give. This is all part of the integrated planning services we provide to clients.