By using our website you have entered into a binding agreement to accept our terms of use. Please read these terms carefully. They affect your legal rights and limit our liability. If you do not agree to be bound by every one of these terms, please exit our site immediately.

MODIFICATIONS

We may modify these Terms at any time without notice to you. The latest Terms will be posted on our Website. By using the website after we have posted modifications, you agree to be bound by the modifications. If you do not accept the Terms as modified, do not continue to use the Website.

LIMITED LICENSE

We grant you a limited, non-exclusive, non-transferable, revocable license, without any right to sublicense, to use our Website strictly in accordance with the Terms. You may use the Website solely for personal, non-commercial purposes, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. Commercial use of any content on the Website is absolutely forbidden. You may not print out or use an electronic version of any part of our Website. You agree not to copy materials, content or any other information on the Website, reverse engineer or break into (hack) the Website, or use materials, products or services in violation of any state or federal law.

LAWFUL USE

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website. In addition, you agree not to manipulate or otherwise display the Website by using framing or similar navigational technology. You agree not to access the Website by any means other than through the standard industry-accepted interfaces. You will not use the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website in any manner which could damage, disable, interrupt, over burden, or impair the Website or WLIM’s network or servers, or interfere with any other party’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other accounts, computer systems or networks connected to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. In addition, you shall not register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Website if you are not expressly authorized by such party to do so.

OUR RELATIONSHIP TO YOU

You and we are independent contractors. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us.

OUR INTELLECTUAL PROPERTY

All content on the Website, including but not limited to designs, data and databases, text, graphics, images, photographs, illustrations, audio and video material, artwork, proprietary information, client-side code (e.g. HTML, JavaScript, etc.), server-side code (e.g. active server pages, VBScript, databases, etc.), information and statistics concerning the use of the Website, and all copyrightable elements of the Website, and their selection and arrangement (collectively, “Content”) are the property of WLIM. Our Content is protected by U.S. copyright law, international treaties and other intellectual property rights. Except as otherwise stated herein, Content may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. §107), as amended, and then, only with notices of our proprietary rights. You may, however, download the information in the Website and print out hard copies for your own personal, noncommercial use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

INTENDED AUDIENCE

This Website is intended for adults aged 18 years or older. Any registration by, use of or access to our Website by anyone under age 18, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website you represent and warrant that you are 18 or older and that you agree to and to abide by all of the terms and conditions of this Agreement.

[WLIM has sole right and discretion to determine whether to accept a Client, and may reject a Client with or without explanation.

If you become a Client, you will receive a password that will allow you to access to a secure section of our Website. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.

You agree to immediately notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.]

FINANCIAL, LEGAL AND OTHER ADVICE DISCLAIMER

Your use of the Website creates no professional relationship of any kind between you and WLIM. Nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice to or for you. You hereby agree that you shall not make any financial, investment, legal and/or other decision based in whole or in part on anything contained in our Website.

USE OF INFORMATION

We reserve the right, and you authorize us, to use and assign of all of your information regarding your use of our Website in any manner consistent with our Privacy Policy.

All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, “Submission”) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

We may assign these Terms and our rights hereunder, in whole or in part, to a third party, in our sole discretion, in connection with a merger, acquisition, reorganization or sale of substantially all of our assets, or otherwise. You may not assign, sublicense, or delegate any of your rights hereunder.

PRIVACY POLICY

Our Privacy Policy is considered part of this Agreement. You should review this Privacy Policy by clicking on this link.

Wall Street Journal

Tips for US Expats Coping with New Fast Law Affecting Passports

Tips for US Expats Coping with New Fast Law Affecting Passports

“In case you missed it, on Dec 3, the US Congress overwhelmingly passed the FAST (Fixing America’s Surface Transportation) Act and on Dec 4 President Obama signed it into law. For many Americans this could be even worse than FATCA.”

WSJ | December 2015

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Expat Estate-Planning: A Tragedy Prompts Adviser to Weigh In

Expat Estate-Planning: A Tragedy Prompts Adviser to Weigh In

“Richard Lakin, 76, an American citizen and the father of a childhood friend, died earlier this week, two weeks after being wounded in a terrorist attack in Jerusalem. I grew up with his son, Micah, in Glastonbury, Conn., where Richard was principal of an elementary school.”

WSJ | October 2015

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FATCA Relief Coming for US Expats via 'Same Country Exemption'?

FATCA Relief Coming for US Expats via 'Same Country Exemption'?

“Managing personal financial issues is challenging for most people. For American expats, the normal complexities and expenses are compounded by a panoply of post-financial crisis legal requirements mostly relating to taxes and bank account reporting.”

WSJ | July 2015

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BE-10 Filing for Certain US Persons With US Investment Real Estate or Ownership Stakes in Foreign Businesses

BE-10 Filing for Certain US Persons With US Investment Real Estate or Ownership Stakes in Foreign Businesses

“You may have lived in the US last year - or were a US government employee anywhere in the world - and had a small business or rental property outside the country. If so, get ready for yet another potential filing requirement from Washington DC,…”

WSJ | June 2015

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Opinion: Expats Can Give Uncle Sam Their Views on US Tax Policy by April 15

Opinion: Expats Can Give Uncle Sam Their Views on US Tax Policy by April 15

“In the latest indication that tax-law changes in Washington, DC, have a chance of moving forward, Senate Finance Committee Chairman Orrin Hatch a Republican from Utah, and Ron Wyden, the ranking Democratic Senator from Oregon, have launched a new effort to seek input from the public on bipartisan tax reform.”

WSJ | March 2015

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Ask an Expert: Everything US Expats Need to Know About IRS Tax Forms (But Were Afraid to Ask)

Ask an Expert: Everything US Expats Need to Know About IRS Tax Forms (But Were Afraid to Ask)

“Overseas Americans are no exception, as practically all Americans with any income anywhere in the universe are required to file a US return. As most expats are painfully aware, this process is not only more complicated than for their compatriots back home, but the risks and potential penalties are higher even for simple mistakes.”

WSJ | February 2015

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Ask an Expert: Tips for Expats Dealing with Swiss Franc Turmoil

Ask an Expert: Tips for Expats Dealing with Swiss Franc Turmoil

WSJ “asked Jonathan Lachowitz of White Lighthouse Investment Management about how to approach the surprising decision by the SNB to remove the cap on the Swiss franc’s strength against the euro.”

WSJ | January 2015

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Ask an Expert: Senate Proposal Could Aid 'Marginalized' US Expats

Ask an Expert: Senate Proposal Could Aid 'Marginalized' US Expats

“Overseas Americans may have new friends in the US Senate. The Republican staff of the Senate’s Finance committee released a 300-page report on Dec 11 which lays out a strong case and framework for Congress to reform Federal Taxation of Individuals and Companies on their overseas income.”

WSJ | December 2014

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