U.S. Expat Planning Team

Led by Calvin Thomas, Cross-Border Planning Lead

Cross-border
planning for
Americans in
Europe.

Map your U.S. assets to your European life. Spot decision intersections early. Enter planning conversations prepared.

Explore WealthFlow Dashboard See Our Approach

U.S. Planning Europe Context

Cross-Border Support

Coordination-First Approach

WealthFlow™ Dashboard

Free · No login required · 2 min

Total Investable Assets

Assets in U.S. vs Europe 70%

100% Europe 50/50 100% U.S.

U.S. Retirement Accounts (401k, IRA) $500K

$0 $1M $2M

Your Age 55

30 55 80

Country of Residence

Years in Europe

What triggered you to start planning?

Preview your WealthFlow summary instantly.

The Cross-Border Planning Triad

Three planning pillars that intersect in every American expat's wealth picture.

Retirement and Benefits Decisions

Understanding how your U.S. retirement accounts and benefits interact with your life in Europe, including timing, distributions, and coordination considerations.

401(k), IRA, Roth planning considerations
Timing and distribution sequencing
Social Security coordination considerations

Cross-Border Account Structure

Aligning account types with your residency realities, understanding provider and custody constraints, and reducing operational friction across jurisdictions.

Align account types with residency realities
Provider and custody constraints awareness
Reduce operational friction across jurisdictions

Family and Legacy Coordination

Coordinating beneficiary designations, titling, and documentation across borders to ensure your planning is aligned with your family's needs.

Beneficiary and titling alignment
Cross-border documentation readiness
Coordination with qualified professionals when needed

Our Approach

Planning first, relationship led, built for Americans navigating Europe.

Discovery

Planning intake and financial inventory. Review relevant documents for planning context.

Strategy

Customized planning architecture covering tax, portfolio, and estate considerations.

Implementation

Implement next steps and coordinate with relevant professionals and providers as needed.

Stewardship

Ongoing reviews based on your needs and material changes. Update priorities as circumstances evolve.

Technology Enhanced Planning

WealthFlow™ is an educational planning tool that highlights common cross-border decision areas and helps you prepare for a planning conversation.

Real Time Scenario Modeling

Test retirement withdrawal strategies, Roth conversions, property purchase timing, and repatriation scenarios before making any moves.
Compliance Dashboard

Track FBAR, FATCA, and local country filing deadlines in one place. Stay ahead of reporting requirements.
Cross Border Planning Views

See how decisions in one jurisdiction affect your planning picture in the other - before execution, not after.

Meet Your Advisor

Your Planning Partner

Calvin Thomas

Cross-Border Planning Lead

Series 65 qualified. Calvin is a planning lead at Paratus Wealth with over 20 years of international wealth management experience advising high-net-worth individuals and families, specialising in assisting US-connected clients with cross-border planning and long-term planning strategy.

Previously, Calvin held senior leadership and founding partner roles within established international wealth management firms, where he played a key role in building businesses, advising clients across multiple jurisdictions, and shaping long-term strategic direction. He brings deep technical expertise, strategic leadership, and a client-focused approach to Paratus Wealth.

LinkedIn Website

Get Started

Request an Introductory Conversation

Discuss your situation and determine whether a planning engagement is appropriate. If it is, we'll outline next steps and what coordination may be needed.

Full Name

Email Address

Phone Number (optional)

Anything you'd like us to know? (optional)

We aim to respond within 1 to 2 business days. Your information is kept strictly confidential.

Planning conversations typically begin with $500K+ in investable assets

Common Questions

Answers to the questions we hear most from Americans living in - or moving to Europe.

Many U.S. citizens and certain U.S. persons have U.S. filing and reporting obligations even while living abroad. Requirements vary based on status and circumstances.

PFIC is a U.S. tax classification that can apply to certain non-U.S. pooled investments and may create complex reporting and potentially unfavorable tax treatment.

Often, yes, but the right approach depends on provider rules, residency, and how your country of residence treats retirement accounts.

Planning conversations typically begin at $500K in investable assets. This is the level where cross-border complexity usually justifies dedicated advisory support. However, if you're planning a move or have specific compliance concerns, we're happy to have an introductory conversation to assess whether our services are a fit for your situation.

Cross-border families often benefit from coordinated estate documents across jurisdictions. Legal requirements vary.

Paratus USA focuses on cross-border planning for Americans living in Europe, with a process built around decision sequencing, coordination, and clarity across jurisdictions.

WealthFlow™ is an educational tool that helps you organize key cross-border planning inputs and generate a high-level summary. If you choose to enter your email, we can send your summary and related educational resources. This tool does not provide individualized advice.

Disclosures

Advisory services in the United States are offered and provided through Beacon Global Advisor Network, LLC, a registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or education and does imply any regulatory authority has passed upon the firm or its advisors. Beacon Global Advisor Network, LLC and "Paratus" are unaffiliated. For disclosure information about Beacon Global Advisor Network, LLC click here. Paratus is a marketing name and is not licensed or registered to conduct advisory business.