Financial Advisors for International/Expats in San Diego
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Financial Advisors
Ryan Johnson, CFP®, BFA™
11 Client Reviews
"Our experience working with Ryan since early 2024 has been fantastic. Every meeting we have is filled with incredible insights, and we always leave knowing he really gets us and that we are on the right path.
Ryan has taken the time to get to know us and understand our family's goals, and thanks to his thoughtful and friendly approach, we have also become good friends.
I highly recommend Ryan as a Financial Advisor, especially to anyone with a young family."
Ryan has taken the time to get to know us and understand our family's goals, and thanks to his thoughtful and friendly approach, we have also become good friends.
I highly recommend Ryan as a Financial Advisor, especially to anyone with a young family."
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FrequentlyAsked Questions
Are there financial advisors for U.S. expats?
Yes. Some advisors specialize in working with U.S. citizens living abroad. Look for terms like “cross-border,” “FATCA,” “FBAR,” or “international tax planning” on their websites. Many serve clients virtually.
How do I manage my finances as an expat?
Start by working with an advisor who understands U.S. and foreign tax systems. You’ll also want help with currency exchange, international investing, and foreign pension planning.
What is the typical fee for an expat financial advisor?
Expect to pay $200–$400/hour or $2,000–$10,000/year for flat-fee services. Many expats don’t use traditional “assets under management” models because real estate and pensions don’t count toward AUM.
What financial mistakes do expats make?
Missing FBAR filings, making PFIC investments, ignoring local tax laws, or keeping too much money in local banks without U.S. oversight can all lead to penalties or missed opportunities.
How do I find an expat-friendly financial advisor?
Use directories like Sam’s List, NAPFA, or XY Planning Network. Search for “U.S. expat financial advisor” or “international tax advisor.” Look for CFPs and EAs who mention FATCA, FBAR, or dual tax treaties.
Why Should U.S. Expats Work With a Financial Advisor?
Living abroad as a U.S. citizen creates complicated tax and investment challenges. A financial advisor who specializes in expat clients can help you:
Stay compliant with U.S. tax law – Including FATCA, FBAR, foreign tax credits, and the Foreign Earned Income Exclusion.
Avoid double taxation – Structure your income, real estate, and business holdings for both your host country and the U.S.
Handle foreign pensions and PFICs – Many non-U.S. investments are taxed harshly unless planned correctly.
Manage currency and global cash flow – Advisors can help reduce FX losses and plan international transfers.
Build an estate plan that works internationally – Especially important with foreign spouses, multiple residences, and children in different jurisdictions.
Coordinate with local attorneys and CPAs – Cross-border pros often collaborate with in-country experts to get everything right.
Stay compliant with U.S. tax law – Including FATCA, FBAR, foreign tax credits, and the Foreign Earned Income Exclusion.
Avoid double taxation – Structure your income, real estate, and business holdings for both your host country and the U.S.
Handle foreign pensions and PFICs – Many non-U.S. investments are taxed harshly unless planned correctly.
Manage currency and global cash flow – Advisors can help reduce FX losses and plan international transfers.
Build an estate plan that works internationally – Especially important with foreign spouses, multiple residences, and children in different jurisdictions.
Coordinate with local attorneys and CPAs – Cross-border pros often collaborate with in-country experts to get everything right.
Not sure who’s right for you as an international/expat? Answer a few quick questions, and we’ll introduce you to someone who fits.
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