Nicole Ralph, CFP®, MBA

U.S.–UK Cross-Border Financial Planner & Wealth Advisor for American Expats & High-Net-Worth Global Families

I have spent more than 20 years specializing in cross-border financial planning for American expats and newly established U.S. residents and green card holders — and as a dual U.S./UK citizen based in the UK, this work has always been as personal as it is professional.

Cross-border financial planning is rarely straightforward. For U.S. taxpayers living abroad, the level of complexity and compliance can feel genuinely overwhelming. My entire career has been dedicated to alleviating that weight — delivering high-touch, highly personalized guidance built around each client's specific cross-border circumstances rather than a standardized framework.

My clients include families, retirees, newly divorced or widowed individuals, and highly compensated professionals in the legal and technology sectors. I also bring deep expertise in advising UK-based beneficiaries of U.S. trusts and navigating complex, multi-generational wealth structures spanning multiple jurisdictions beyond the U.S. and UK.

I am a member of the American Women's Club of London and FAWCO.

About W1M

W1M is uniquely positioned to deliver cross-border advisory and wealth management services to high-net-worth global clients with sophisticated needs. Regulated by the FCA, SEC, and CNMV, the firm provides investment management to clients located across the U.S., UK, and Europe.

• U.S. Regulatory Disclosure
• FCA Register