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Monday 9am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 9am - 5pm

Skybound Wealth USA, 2700 Post Oak Boulevard, Houston, TX (2026)

07/21/2026

Our office in Houston is growing and we're recruiting for two roles:

🔹 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗪𝗲𝗮𝗹𝘁𝗵 𝗔𝗱𝘃𝗶𝘀𝗲𝗿
For qualified advisers who want to work with a global firm that gives you real autonomy, purpose-built tech, and specialist support across the full advice spectrum.

🔹 𝗖𝗹𝗶𝗲𝗻𝘁 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗼𝗿
A hands-on role at the centre of the client experience, supporting advisers and making sure nothing falls through the cracks.

From the Europe to the Middle East to Houston, Skybound Wealth keeps growing. If that sounds like somewhere you want to be, get in touch.

Visit the link below to find out more:

https://lnkd.in/dEhff88

07/17/2026

For U.S. taxpayers, they often need to be reported, and the answer is not always the same as it would be in the UK.

That matters because the UK pension system has concepts that do not automatically translate into the U.S. tax system. The 25 percent UK pension commencement lump sum is a good example. It may be tax free in the UK, but that does not automatically make it tax free for U.S. purposes.

The U.S. generally taxes its citizens and residents on worldwide income. That can include SIPP withdrawals, workplace pension payments, defined benefit income and UK State Pension payments.

The U.S. UK Tax Treaty may influence the analysis, but it does not remove the need to review the U.S. reporting position.

There may also be additional reporting considerations where a pension wrapper holds non-U.S. pooled investments, such as UCITS funds or OEICs.

The treatment can be complex and should be reviewed before any withdrawal, transfer or restructuring decision is made.

A UK pension can be valuable. It just needs to be understood through both tax systems.

https://www.skyboundwealthusa.com/news-and-insights/how-uk-pensions-are-taxed-in-the-united-states
DISCLOSURE
This content is for general informational purposes only and should not be treated as personalized investment, financial, tax, legal or pension advice. Tax rules, treaty treatment and pension rules vary by individual circumstances and jurisdiction. You should seek advice from a qualified tax or legal adviser before taking action. Skybound Wealth USA, LLC is an SEC registered investment adviser. Registration does not imply a certain level of skill or training.

07/15/2026

Retirement planning is complex enough with one country’s rules. For US expats, it typically involves two or more - and they don’t coordinate automatically.

US retirement accounts generally follow US rules regardless of where you retire. Required Minimum Distributions typically apply from the applicable age on Traditional IRAs and 401(k)s whether you’re living in London, Dubai, or Singapore.

The country you retire in may also tax those withdrawals - how much could depend on the applicable treaty, the pension type, and how the local system classifies the income. Social Security can generally be paid abroad, but the tax treatment may depend on residency status and whether a totalization agreement applies.

Currency exposure may also affect purchasing power in ways that don’t show up in investment returns alone.

Tom Pewtress, Head of USA and Private Wealth Partner at Skybound Wealth USA, discusses retirement planning considerations for US expats - account rules, cross-border income treatment, Social Security, currency, and how to approach building a structure across jurisdictions.

https://www.skyboundwealthusa.com/news-and-insights/retirement-planning-for-u-s-expats

To talk through your retirement picture with Tom:

https://www.skyboundwealthusa.com/meet-the-team/tom-pewtress

Important disclosure:

This material is provided for informational and educational purposes only and does not constitute investment, tax, or legal advice. RMD ages, contribution limits, and tax rules are subject to change. Currency risk is an inherent part of cross-border financial planning. Individual circumstances vary and readers should consult qualified advisers before making decisions.

07/10/2026

Can you transfer a UK pension into a U.S. 401(k)?

In most practical cases, no.

A UK pension cannot simply be rolled into a U.S. 401(k) or IRA as a tax free pension transfer. This is not usually a paperwork issue. It is a structural one.

U.S. retirement plans can only accept rollovers from certain eligible plans. UK pensions are not treated like U.S. qualified retirement plans for this purpose. IRAs have similar restrictions.

The UK side also has its own transfer rules. HMRC only permits transfers to schemes that meet specific requirements, and U.S. retirement plans generally do not fit that framework.

That does not mean there are no planning options.

Some clients may leave the pension in the UK. Others may consolidate into a SIPP. In limited cases, a QROPS may be considered. Each route has different tax, currency, investment and estate planning implications.

The important point is this. A UK pension and a U.S. retirement account cannot be treated as interchangeable.

https://lnkd.in/ekz6qvRm

DISCLOSURE

This content is for general informational purposes only and should not be treated as personalized investment, financial, tax, legal or pension advice. Tax rules, treaty treatment and pension rules vary by individual circumstances and jurisdiction. You should seek advice from a qualified tax or legal adviser before taking action. Skybound Wealth USA, LLC is an SEC registered investment adviser. Registration does not imply a certain level of skill or training.

07/07/2026

The UK allows up to 25% of a pension to be taken as a tax-free lump sum. The US may not recognise that treatment in the same way.

For a US resident, the full withdrawal could potentially be treated as ordinary income - taxable at federal rates - although the US tax treatment may vary depending on individual circumstances and treaty interpretation.

The US-UK tax treaty generally assigns taxing rights depending on pension type. Private pensions - SIPPs, workplace DC and DB schemes - are typically taxable in the country of residence. Government service pensions may remain taxable in the UK. PFIC rules could potentially apply to assets held inside certain structures. And FBAR and Form 8938 reporting obligations generally apply to UK pension accounts above threshold, whether or not any withdrawals have been made.

Benjamin Hadley, Private Wealth Partner at Skybound Wealth USA, discusses how UK pensions are generally treated in the US - treaty considerations, potential tax on withdrawals, reporting obligations, and how to approach distribution planning across both systems. UK pension rules should be discussed with a UK-regulated adviser.

https://lnkd.in/epjj3mWF

To talk through a UK pension and US tax position with Ben:

https://lnkd.in/ecbFNhb5

Important disclosure:
This material is provided for informational and educational purposes only and does not constitute investment, tax, or legal advice. Treaty interpretation and tax treatment depend on individual circumstances. UK pension rules should be discussed with a UK-regulated adviser. Readers should consult qualified advisers before making decisions.

07/04/2026

Independence is worth celebrating.
But financial confidence isn't something that arrives on its own.

Whether you've lived in the United States your whole life or recently made it home, building lasting wealth starts with a plan that reflects your goals, your family and your future.

This Independence Day, we wish everyone across the United States a safe and happy 4th of July.

Happy Independence Day from Skybound Wealth USA.

07/03/2026

Leaving the US doesn’t necessarily end your US tax obligations. For citizens, worldwide taxation generally continues regardless of where they live.

Green card holders may remain US tax residents until they formally cease residency - a process that involves specific steps and, for long-term residents, may have additional tax implications worth understanding. Once non-resident, withholding rules on 401(k) distributions generally change.

Brokerage account access may be restricted. And the departure year itself - including decisions around rollovers, conversions, and account restructuring - can have implications that extend well beyond the year of departure.

Joselyn Pfeil, Private Wealth Adviser at Skybound Wealth USA, discusses the financial considerations for people leaving the US - 401(k) and IRA options, tax residency mechanics, reporting obligations that may continue after departure, and what to consider before you go.

https://www.skyboundwealthusa.com/news-and-insights/leaving-the-united-states-a-practical-guide-to-401-k-s

To plan your US departure with Joselyn:

https://www.skyboundwealthusa.com/meet-the-team/joselyn-pfeil

Important disclosure:
This material is provided for informational and educational purposes only and does not constitute investment, tax, or legal advice. Tax residency cessation involves legal and tax considerations that should be discussed with qualified advisers. Individual circumstances vary

06/29/2026

Can you still contribute to a Roth IRA if you live abroad?

For many U.S. expats, the answer depends less on where they live and more on how their income is reported.

If all earned income is excluded under the Foreign Earned Income Exclusion, there may be no eligible compensation left to support a Roth IRA contribution. That catches many people by surprise because the account itself can remain open even when the contribution route is restricted.

But contributions and conversions are not the same thing.

A Roth conversion does not require earned income and is not subject to the normal Roth IRA income limits. The converted amount is generally treated as U.S. taxable income in the year of conversion, and the local tax treatment in the country of residence also needs to be reviewed.

For some expats, the contribution door is closed. The conversion door may still be open.

Whether it should be used depends on the full tax picture, current residence, future plans and long term retirement strategy.

https://lnkd.in/eRsR8xdm

DISCLOSURE
This content is for general informational purposes only and should not be treated as personalized investment, financial, tax, legal or pension advice. Tax rules, treaty treatment and pension rules vary by individual circumstances and jurisdiction. You should seek advice from a qualified tax or legal adviser before taking action. Skybound Wealth USA, LLC is an SEC registered investment adviser. Registration does not imply a certain level of skill or training.

06/26/2026

Moving abroad generally doesn’t close your 401(k) or trigger a taxable event. The account typically stays open, remains under US rules, and continues to grow. What may change is how you manage it.

Provider servicing policies for foreign residents can vary significantly. Some custodians may restrict transactions, limit fund choices, or require additional documentation.

Contributions generally stop once you leave your US employer - the plan typically requires US-taxable W-2 wages. Withdrawals while non-resident may be subject to the statutory 30% default withholding rate unless an applicable treaty rate is claimed - and claiming it generally requires filing the right paperwork before the distribution, though specific requirements can vary.

Sam Ling, Private Wealth Adviser at Skybound Wealth USA, discusses what generally happens to a 401(k) when the owner moves abroad - account access, contributions, distributions, withholding, and long-term planning across jurisdictions.

https://www.skyboundwealthusa.com/news-and-insights/what-really-happens-to-your-401-k-when-you-move-abroad

To talk through your 401(k) position with Sam:

https://www.skyboundwealthusa.com/meet-the-team/sam-ling

Important disclosure: This material is provided for informational and educational purposes only and does not constitute investment, tax, or legal advice. Withholding rates and plan rules are subject to change. Individual circumstances vary and readers should consult qualified advisers before making decisions.

06/24/2026

Do foreign investors pay tax on U.S. stock dividends?

Yes, and some may be paying more than necessary.

The default withholding rate for non-resident aliens on U.S. source dividends is generally 30 percent. But where the investor is resident in a country with a U.S. tax treaty, the treaty rate may be lower.

The lower rate does not usually happen by magic. The broker needs a valid W-8BEN on file.

That form matters. It tells the broker the investor is not a U.S. person and, where available, allows treaty benefits to be claimed. It also expires, generally after the end of the third calendar year after it is signed.

If the form lapses, treaty withholding can disappear and default withholding may resume.

Capital gains are different. Many non-resident aliens are not subject to U.S. capital gains tax on ordinary U.S. shares, although U.S. real estate, U.S. residency changes and specific asset types can change the analysis.

For international investors, the tax form is not admin. It can directly affect net return.

https://www.skyboundwealthusa.com/news-and-insights/u-s-tax-rules-for-foreign-investors

DISCLOSURE
This content is for general informational purposes only and should not be treated as personalized investment, financial, tax, legal or pension advice. Tax rules, treaty treatment and pension rules vary by individual circumstances and jurisdiction. You should seek advice from a qualified tax or legal adviser before taking action. Skybound Wealth USA, LLC is an SEC registered investment adviser. Registration does not imply a certain level of skill or training.

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Monday	9am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
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