Tax Planning & Optimisation
Tax is one of the largest and most controllable drags on long-term wealth. Living in the UAE offers real advantages, but home-country obligations, US-situs exposure and cross-border rules mean tax efficiency still has to be engineered — not assumed.
Why it matters for expatriate families
Two under-appreciated traps catch many expat investors. First, US-listed stocks and funds withhold 30% of dividends at source for non-resident aliens — often reducible to 15% or less through the correct treaty position and structuring. Second, US-situs assets above a very low threshold (US$60,000 for non-resident aliens) can be exposed to US estate ('death') tax of up to 40%. Add unmanaged capital-gains and income-tax exposure back home, and returns quietly erode.
How we help
We map every source of tax leakage across your portfolio and residency position, then restructure holdings and wrappers to reduce it legitimately — from how US equities are held, to the use of tax-efficient offshore wrappers, to the timing of gains. Everything is done transparently and within the rules of each relevant jurisdiction.
The UAE expat difference
Most advisers ignore US-situs risk entirely. We treat the US 30% dividend and 40% estate-tax exposure as a first-order design constraint for any expat holding US equities.
What this includes
- Income-tax and capital-gains-tax efficiency planning
- US 30% dividend withholding mitigation via treaty and structuring
- US estate-tax (40%) exposure review for US-situs holdings
- Inheritance-tax planning across home and host jurisdictions
- Tax-efficient wrappers and offshore portfolio bond structuring
- Residency and domicile considerations for expats
Related services
All servicesBegin a confidential conversation
Sameer personally advises a limited number of families at any one time, so every relationship receives his direct attention. A private, no-obligation conversation is the natural first step — an honest initial view of your position, with no cost and nothing to sign.
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