Clients and tax profiles
A client groups investment accounts, documents and reports. The tax profile beside it holds the assumptions every cross-border figure is built on, so it is worth completing before the first review.
Add a client
A client needs a display name, a country of residence and a base currency, in which consolidated figures are shown. An email address, an assigned adviser and internal notes are optional. Internal notes are visible to the firm only and never print on a report.
When adding a client you can also record when they became resident, their citizenship and their previous residence. The same details can be completed later.
The client page
The client's dossier header shows the consolidated value, the number of accounts and the date of the last valuation. Below it:
- Overview
- Summary figures, the tax profile, investment accounts, allocation by domicile and combined performance.
- Portfolios
- The client's investment accounts, one per brokerage relationship.
- Holdings
- Exposure merged across accounts by currency and fund domicile, and every holding with its value.
- Transactions
- The confirmed ledger by month, with the client's own deposits and withdrawals.
- Cross-Border
- The findings for the client's residence.
- Relocation
- Residence history and the planned move.
- Documents
- The statements imported for each account, while the originals are retained.
- Reports
- Every report generated for the client.
The tax profile
Open it with Edit profile on the Overview or Cross-Border tab. Saving the profile records today as the date it was last reviewed, and by whom.
| Field | What it changes |
|---|---|
| Current tax residence | The residence the findings are calculated for. Without one, the client's country is used and the findings say so. |
| Resident since | Recorded for your review; residence rules and exit taxes often depend on it. |
| Citizenship | A US citizen is treated as a US person. |
| US person | US citizen, green-card holder or substantially present. For a US person the non-resident screens are omitted (see below). |
| W-8BEN on file | Treaty rates on US dividends apply only with one. Unknown is treated as not on file, so dividends are modelled at the statutory 30%. |
| Account types | Taxable brokerage, ISA or other tax-free wrapper, pension, trust or company. |
| Tax on dividends and on capital gains | The client's own rates. Left empty, the residence's default applies. Rates you enter are used in every cross-border figure and labelled as set by you. |
| Special regime and its end date | Shown with the rates as their basis. The profile reminds you six months before the regime ends, and again once it has ended. |
The profile also reminds you when it has not been reviewed for more than a year.
US persons
The tax model treats a client as a non-resident alien for US purposes. For a US person that model describes someone else: US-source dividends are not subject to non-resident withholding, the USD 60,000 non-resident estate-tax threshold does not apply, and non-US funds generally carry PFIC consequences. A client whose residence is the United States, whose citizenship is American or who is flagged as a US person therefore gets one finding explaining why those screens are omitted, rather than figures that would mislead.
Archive, restore and delete
Archiving a client hides them from the active list and frees a place under the plan's limit; their data stays. Restoring them needs a free place. Only an owner can delete a client permanently, which removes their accounts, imported statements and reports, and cannot be undone.
Last updated . Describes the product as built; figures are screening estimates, not tax, legal or investment advice.