Families & Mixed-Nationality Couples
One US spouse, one non-US spouse, children with two passports. We coordinate the elections, gifts, savings, and credits so the whole family works in both tax systems.
Two returns, one plan.
When one spouse is a US person and the other isn't, every ordinary family decision (how to file, who holds the savings, whose name goes on the house) carries tax consequences in two countries. We plan the household as a whole, so filing elections, spousal transfers, and children's accounts all pull in the same direction.
From the first joint account to university fees and beyond, we handle the annual filings and the long-range decisions that shape what your family keeps.
How we help cross-border families
Filing strategy, gifts, savings, and benefits, coordinated for every member of the household.
Filing Status Strategy
One US spouse, one non-US spouse means a real choice: Married Filing Separately, or a Section 6013(g) election to treat the non-US spouse as a US resident. We model both routes and pick the one that actually saves money.
Spousal Gift & Transfer Planning
The unlimited marital deduction doesn't apply to gifts to a non-citizen spouse; only an annual limit does. We structure transfers between spouses so routine rebalancing doesn't create US gift tax filings by accident.
Dual-Citizen Children
Children born with US and UK citizenship inherit US filing obligations that follow them for life. We plan their accounts and investments from day one so they don't inherit a compliance mess with the passport.
Education Savings Across Borders
529 plans and Junior ISAs behave very differently once a family crosses the Atlantic. We map which wrapper works for which parent and child, and how UK university fees and US student loans fit the picture.
Family Benefits & Credits
UK Child Benefit, the High Income Child Benefit Charge, and the US Child Tax Credit interact in non-obvious ways. We coordinate claims in both systems so your family captures what it's entitled to.
Family Investment Review
Joint accounts, children's accounts, and family investment holdings frequently contain PFICs when a US person is involved. We review every account, flag exposure, and restructure toward holdings that work in both systems.
Get your family's US and UK position planned together, properly and for a fixed fee.
Get StartedExplore our tax services
Built for households that span two countries.
The costliest family tax mistakes are quiet ones: a gift retitled without advice, a Junior ISA opened for a dual-citizen child, a joint election signed without modeling. We catch these decisions before they're made.
A mixed-nationality marriage is a planning opportunity.
Handled carelessly, the citizenship line running through a family creates gift tax exposure, PFIC problems, and lost credits. Handled deliberately, it creates real flexibility: assets can sit with the spouse whose system treats them best. We do the deliberate version.
6013(g) Election Modeling
Electing joint filing with a non-US spouse is powerful and hard to unwind. We project the election across income, investments, and reporting before you commit.
Non-Citizen Spouse Gift Limits
The marital deduction stops at the citizenship line. We time and document transfers between spouses so wealth moves without triggering avoidable US gift tax filings.
PFIC-Safe Family Accounts
One UK fund in a joint account can contaminate a US spouse's return. We screen every family account and rebuild portfolios that both systems treat kindly.
Education Funding Design
University fees land in one currency; savings often grow in another. We match 529s, Junior ISAs, and plain investment accounts to each child's likely path.
Why cross-border families choose US/UK Cross Border Tax
The Whole Household, One File
We plan around the family unit (both spouses, the children, the accounts) rather than optimizing one taxpayer while creating problems for another.
Elections Made Deliberately
Filing status choices and the 6013(g) election are long-term commitments. We model the multi-year consequences before anything is signed.
US and UK Advisers Together
US CPAs and UK tax advisers on the same engagement means spousal gifts, benefit claims, and education plans are checked against both systems at once.
Fixed, Transparent Pricing
Family situations are complex enough without open-ended hourly billing. You get a fixed quote up front covering both jurisdictions.
"I'm American, my husband is British, and no one had ever looked at our situation as one picture. They restructured how we hold our savings, fixed the kids' accounts, and modeled the joint election before we signed it. Both returns now make sense together."
Cross-Border Family Tax Questions
Common questions from mixed-nationality couples and families living across the US and UK.
Two Tax Systems, One Team
Email Us
hello@usukcrossbordertax.comLondon Headquarters
4 Crown Place
London EC2A 4BT
United Kingdom
Manchester
CORE
Brown St, Manchester M2 1DH
United Kingdom
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San Francisco, CA 94108
United States
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New York, NY 10003
United States