Privacy Policy


At McKenzie International Investments , we sincerely appreciate the confidence and trust you have placed in us. Nothing is more important to us than our relationship with our clients.

The strict confidential nature of your personal financial data is of utmost importance to us, and we will protect your privacy to the best of our ability. We are sending you this privacy notice to help you understand how we use your private financial data and to let you know what we do to help protect your privacy.

What Data Do We Collect About You?

To serve our client needs, McKenzie International Investments collects data from you and about you. Some of this data is to satisfy specific legal and regulatory requirements, while other information is collated so that we can manage your account efficiently.
Examples of the information that we collect include:
Data from your international client application and other forms, such as name, address, Social Security number, telephone number, employment background, income, net worth, investment experience, and other data to manage your account effectively.
Data about your financial transactions, including securities purchased and sold, fund transfers, account balances, and other account activities.

To Whom Do We Disclose Your Personal Data?

McKenzie International Investments does not sell your personal financial data to anyone.

However, we may disclose your personal data to third parties or other businesses that assist us to process your transactions or service your account. Other companies to whom we may disclose your personal data include outside investment advisors or asset managers, variable annuity or insurance companies, mutual fund companies or the like. We may also provide data to external service providers that help facilitate our ability to manage your account. Any outside company or third party provider is required to restrict their use of your data strictly to the purpose for which it was provided.

McKenzie International Investments may also provide your personal data when permitted or required by law or regulation. Examples include responding to a court order or subpoena, cooperating with regulators, governmental bodies or law enforcement, or in answer to a request from a consumer reporting agency. Outside of these circumstances, we will not provide your personal data to third parties unless you have specifically asked us to do so.

How Do We Protect Your Personal Data?

We restrict access to your financial data to the people who require that data to facilitate our relationship with you. All our staff members are instructed regarding the policies and procedures encompassed by this privacy policy. We maintain physical, electronic and manual safeguards to protect your data. This privacy policy applies to all of our current and past clients. If in the future this privacy policy is amended for any reason, notification of the change will be provided, and you will have the opportunity to opt-out.

For questions regarding our privacy policy, please email

FATCA Compliance

The Foreign Account Tax Compliance Act (FATCA) is legislation enacted in March 2010 by the US Government, implemented on 1st January 2013. The purpose of FATCA is to stop American citizens from evading US tax by using foreign subsidiaries to invest in the US through foreign accounts. FATCA imposes a 30% withholding tax on foreign entities that refuse to disclose the identities of their US clients.

Payments subject to a 30% withholding tax include payments sources from the US such as interest, dividends, rents, salaries, premiums, annuities and any other gross proceeds which could produce interest or dividends from sources within the US.

Foreign banks and other financial institutions, including foreign insurance companies, must therefore provide the evidence to verify US status within a time limit. Failure to provide evidence within the agreed timescale, or if the individual fails to disclose assets in full in their annual tax returns to the IRS, the foreign financial institution must treat their account as a recalcitrant account and must withhold all US source income and payments from them and will also be subject to 30% withholding tax.

What Happens If An FFI Does Not Comply With FATCA?

Any foreign financial institution that does not enter with the IRS will be listed as Non Participating FFI and any US-source payments to these institutions will also be subject to 30% withholding tax that is deducted directly from the IRS.

What Does An FFI Have To Do?

An FFI may enter into an agreement with the US revenue authorities requiring it to report all US citizens' accounts. They must be able to capture the status of an individual, have systems to withhold tax and to report. Certain countries like the US, Italy, Spain and France are currently negotiating an agreement with the US government to facilitate the exchange of information.

What Do Clients Have To Do?

FATCA requires certain US taxpayers holding foreign financial assets with an aggregate value exceeding $50,000 to report these assets on new IRS form 8938 and this must be attached to the tax payer's annual tax return. For most tax payers this will be for tax year 2011, which will be filed in 2012. Failure to report a form 8938 will result in a penalty of $10,000 and $50,000 for continued failure, plus up to 40% penalty for non reporting of foreign assets.

Does FATCA Only Apply To Banks?

No, the rules also apply to foreign financial institutions as well as non-financial foreign entities, therefore foreign insurance companies as well.

What Should US Citizen Living Abroad Do?

McKenzie International Investments, the world's largest international financial consultancy that specialises in expatriates, assured its clients that as FATCA comes into law in 2013, it has made sure that its experts create specialised products for US clients. McKenzie International Investments is nowoffering its American clients alternative ways to invest their money that could potentially give them attractive tax advantages, whilst remaining in-line with US laws and regulations.

James McKenzie, CEO of McKenzie International Investments, stated that the company has invested heavily in recent months to create a global network of products to comply with the implementation of FATCA. "We believe that banks not accepting US citizens can act as an investment deterrent for our American clients and have thus made big efforts to be fully equipped to advise them on legal tax efficient solutions that increase their options and allows them to enjoy the benefits of international investments. As an international IFA with offices in most expat countries and the States, McKenzie International Investments is uniquely positioned to offer this advice to US expatriates".

McKenzie International Investments has always had one aim in mind - to help clients develop, maintain and grow their wealth through personal financial planning that makes sense to each individual client. We seek to help our clients make the best use of their financial assets by matching their individual goals with the service provider and strategy that is best-suited to help them achieve these goals.

McKenzie International Investments's financial advisers help their clients come up with a personal strategy that will ease their path towards the accomplishment of specific financial aims. Whether you’re planning for retirement, saving for a major purchase or your children’s education, or simply setting something aside for your own peace of mind, our leading financial consultants will provide you with trustworthy, independent advice that you can rely on, allowing you to confidently manage your financial investments.

As a result of this relationship based on communication and trust that we share with our clients, McKenzie International Investments has become the first word in independent financial consultancy.

Total Investment Approach

At McKenzie International Investments, all the elements of our clients' current situation as well as their future goals and aspirations are taken into consideration when it comes to constructing a strategic, diversified, tax-efficient financial plan that will generate long-term rewards for you and your family.

McKenzie International Investments offers its clients free, professional analysis on their assets in order to help them adjust their portfolio. Clients with accounts in several banks risk losing sight of the different dangers related to money placement, including solvency, currency and location. We optimise their investments, giving them the opportunity to reap more returns. However, we make it a point not to gamble with your money – security and impartiality are at the heart of our financial advisory philosophy, and our greatest strengths include the ability to provide you with unbiased independent advice that you know you can trust.

We take into account the following factors when creating a financial plan just for you:

Opportunities And Risk
Investment Quality
Tax Optimisation
Liquidity Management

If you would like free confidential advice on how to plan adapt your investment strategy without obligations then contact us today.