Accounting, tax support for UK Expats Living in the United States

How does Antravia support UK expats in the US?

Scope of advisory work
Antravia Advisory supports UK citizens and UK-connected individuals as they establish U.S. tax residency and navigate the transition from UK to U.S. tax and reporting systems. Our work focuses on areas where cross-border moves create unexpected exposure, particularly where individuals retain UK property, investments, pension arrangements, or ongoing income streams after relocation.

This includes advising on the timing of U.S. tax residency, the U.S. treatment of UK investment wrappers such as ISAs, the interaction between UK and U.S. capital gains rules, foreign account and asset reporting obligations, and situations where transactions planned under UK assumptions produce different outcomes once U.S. residency begins.

This page is relevant for
UK expats living in, relocating to, or financially connected with Winter Park and the wider Central Florida area whose financial affairs extend beyond the United States. This includes professionals, founders, and families with UK-based assets or investments who require clarity around U.S. tax exposure, reporting obligations, and long-term planning as they settle in the U.S.

--- US Expats living outside the United States? Look at our sister site US Expats ---

--- UK Expats living in the United States - Common Issues ---

UK citizens relocating to the United States often underestimate how quickly U.S. tax and reporting exposure can arise. Common problem areas include UK property sales completed after U.S. tax residency begins, ISAs and UK investment accounts that continue to grow but lose tax-free treatment, and foreign bank or brokerage accounts that trigger U.S. reporting even where no tax is due.

We also frequently see timing mismatches, for example where individuals assume the UK tax year remains relevant after arrival, or where income, bonuses, or distributions are received during a split year and taxed differently than expected. These issues are rarely the result of aggressive planning, they arise from differences in how the two systems define residency, income, and reporting obligations.

--- UK Expats living in the United States - Articles ---

Cross-border moves create tax and reporting complexity that is often underestimated, particularly when individuals hold assets, investments, or ongoing income streams across jurisdictions.

For UK citizens relocating to the United States, the interaction between UK tax rules, U.S. tax residency, and treaty provisions can expose income and gains to U.S. taxation earlier than expected, sometimes retroactively, and often without clear warning. Timing, classification, and reporting matter as much as tax rates.

The articles below focus on common UK–U.S. cross-border scenarios we see in practice. They are written to explain where exposure arises, why issues occur, and which areas typically require careful planning or professional advice before and after relocation.

UK Citizens Moving to the U.S.: Tax Issues to Understand Before You Arrive

UK citizens moving to the U.S. face tax exposure before and after arrival. Learn how U.S. tax residency, timing, income recognition, and reporting rules can affect your first year. Link

ISAs and UK Investments Under U.S. Tax: What Stops Being Tax-Free

ISAs and other UK investment wrappers are not tax-free in the U.S. This guide explains how the U.S. treats ISA income, gains, and reporting once you become a U.S. tax resident. Link

Selling UK Property After Moving to the U.S.: Capital Gains and Timing Risks

Selling UK property after becoming a U.S. tax resident can trigger unexpected U.S. capital gains tax. Understand timing risks, FX effects, and double-tax exposure before selling. Link

--- UK Expats living in the United States - FAQ ---

Do UK expats have to report UK bank accounts to the IRS?
Once a UK citizen becomes a U.S. tax resident, UK bank and investment accounts may be subject to FBAR and FATCA reporting, even if the accounts generate little or no income.

Are ISAs tax-free in the United States?
No. ISAs are not recognized as tax-free by the U.S. Internal Revenue Service. Income and gains may be taxable and reportable once U.S. tax residency begins.

Does the U.S.–UK tax treaty eliminate double tax automatically?
The treaty can mitigate double taxation in some cases, but it does not remove filing obligations or prevent mismatches caused by timing, classification, or currency differences.

--- US Expats living outside the United States? Look at our sister site US Expats ---

Antravia Advisory works nationally and internationally, with select geographic focus areas aligned to the types of businesses we support. This page provides context for our engagement with the Winter Park area and how it fits within our broader advisory work.

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Disclaimer:
Content published by Antravia is provided for informational purposes only and reflects research, industry analysis, and our professional perspective. It does not constitute legal, tax, or accounting advice. Regulations vary by jurisdiction, and individual circumstances differ. Readers should seek advice from a qualified professional before making decisions that could affect their business. See also our Disclaimer page