From ISA and SIPPto reporting funds:one sourced review,under your name.

Each account is set as an ISA (a Lifetime ISA included), a SIPP or a general account. Inside an ISA or a SIPP there is no UK tax on income or gains. US dividends in an ISA bear the 15% treaty rate with a W-8BEN, a final cost with no UK tax to set it against; a SIPP its provider has documented receives dividends from US-domiciled funds free of US withholding under the UK–US treaty, a relief an Irish fund loses inside the fund. General accounts are taxed at the 2026-27 band you set: basic 10.75% on dividends and 18% on gains, higher 35.75% and 24%, additional 39.35% and 24%. Without one, the basic rate is used and labelled as the residence default.

Each offshore fund is matched by ISIN to HMRC’s list of reporting funds, loaded monthly, and the list’s date is shown; many US-listed ETFs are reporting funds, so the status is checked, never assumed. Excess reportable income comes from the issuers’ own reports: 549 reporting periods for 82 share classes from Vanguard, iShares, Invesco, SPDR, Xtrackers and HSBC, from 2019. The units held in general accounts at each period end are multiplied by the reported figure, placed in the tax year of the fund distribution date and added to the Section 104 cost. A fund held without a report on file is named, never estimated.

From the confirmed transactions, each trade at its own date’s exchange rate. A sale is matched first with purchases on the same day, then with purchases in the following 30 days, and only then with the Section 104 holding (TCGA 1992 s.105 and s.106A). Purchases inside an ISA or a pension are outside that ledger, so selling in a general account and buying back in an ISA realises the gain. Excess reportable income raises the cost of the holding. A holding missing from the ledger, or held in a different quantity, has no known cost and is named, never guessed.

InvestEngine and Vanguard Investor exports are read directly, as are Trading 212, Freetrade and Interactive Brokers Flex exports, and an IBKR account can also be synced daily. Hargreaves Lansdown, AJ Bell and Interactive Investor statements go through the extraction model. Either way every position and transaction is shown for review, and nothing reaches the client’s holdings until you confirm it. A client can send statements through a secure upload link without opening an account.

The UK has no exit charge, so for a planned move the review shows the two rules that follow the client. Temporary non-residence: a client who was UK resident in at least four of the seven tax years before leaving and returns within five years is taxed, in the year of return, on gains made abroad on assets held at departure; the net unrealised gain in general accounts is shown. Inheritance tax: after 10 of the last 20 years a client is a long-term resident, and worldwide assets stay within UK inheritance tax for 3 to 10 tax years after leaving. For a US person: each holding’s cost and gain in GBP and in USD, Irish and other non-US funds screened as possible PFICs, FBAR and Form 8938 thresholds, US estate exposure, and an ISA flagged as not tax-free in the US. Split years, the inheritance tax itself, US returns and the PFIC tax are not computed.

The Founding Adviser plan comes with a 30-day trial and no card: open a workspace yourself, and pay 99 USD a month when the trial ends. That price is open to the first 25 firms and held for their first 12 monthly payments, or for the first year on annual billing at 999 USD. Advisor, Practice and White Label have no trial and start with the first payment. Or tell us about your firm using the form below and we reply personally within two working days to help set it up.

Add active clients in packs of 25 for $29 a month each, on the Founding Adviser, Advisor and Practice plans. Add them from Settings, Plan and usage, once your plan is active: each pack is its own small subscription at exactly $29 a month ($290 a year on annual billing), so a second pack costs the same as the first. Cancel a pack at any time, and cancelling your plan stops its packs too; clients above the new limit stay readable, but no further client can be added or restored until you are within it. Packs stop counting if the subscription lapses. Households do not use extra places: each person is one client, and trusts, SMSFs and joint accounts are accounts of a member.