Usman Malik - Northwestern Mutual

Usman Malik - Northwestern Mutual Fiduciary Advisor for UN Staff, Expats & Muslim Families | Former PM @ UN Pension Fund & Julius Bär I have.

Most financial advisors who say they serve expats have never worked inside an international institution. I spent nearly a decade at the Investment Management Division of the United Nations Joint Staff Pension Fund in New York, helping manage a $25 billion global portfolio working with the Investments Committee and Secretary-General Kofi Annan. I know how the UNJSPF works — not from the outside, bu

t from the inside. Today, as a fiduciary financial advisor, I bring that institutional experience to individual clients who are underserved by mainstream financial planning: UN staff members, international organization employees, Muslim families, and expats navigating the complexity of building financial security in the United States. Who I Serve
- Staff of the UN Secretariat, IMF, World Bank and personnel from Funds and Programmes including UNDP, UNFPA, UNICEF
- Muslim families seeking Shariah-compliant financial planning and halal investment solutions
- Expat families across the United States managing assets, insurance, and wealth across borders
- South Asian, Middle Eastern, and African Muslim communities in the US

What Makes My Approach Different
I understand the faith-based restrictions that affect financial decision-making for Muslim clients — from life and disability insurance structures to investment screening and annuity solutions — and I understand the cultural dynamics that shape how families from South Asia, the Middle East, and Africa approach financial planning. This is not something I learned from a training manual. I also understand the specific financial challenges UN staff face: navigating UNJSPF pension entitlements alongside US-based financial planning, managing compensation structures across duty stations, and planning for eventual separation or retirement. What I Help With
- Shariah-compliant investment portfolios structured around faith-based and cross-border considerations
- Life, disability, and long-term care insurance for visa holders and internationally mobile families
- Retirement and benefits plans for Muslim and immigrant business owners
- Cross-border wealth planning: titling, beneficiaries, currency, and transfer logistics
- US account setup for clients facing KYC/AML friction due to passport or visa status

Experience Across 5 Continents
I have supported clients with ties to over 40 countries across Africa, Asia, Europe, North and South America — including Egypt, Nigeria, India, Iran, Pakistan, Saudi Arabia, UAE, Jordan, Syria, Iran, Russia, Turkey, and the United Kingdom, among many others.

Taxes are set to rise substantially in 2026 for owners of LLCs, partnerships, sole proprietorships and S-Corps. But ther...
06/07/2024

Taxes are set to rise substantially in 2026 for owners of LLCs, partnerships, sole proprietorships and S-Corps. But there’s still time to take advantage of today’s lower tax rates. Reach out today and let’s work together to get prepared.

SLATs can be an important estate planning tool for couples in certain situations. And with the lifetime estate tax exemp...
05/24/2024

SLATs can be an important estate planning tool for couples in certain situations. And with the lifetime estate tax exemption set to roughly halve at the end of 2025, now is an opportune moment to begin planning. I can help you get started.

A Spousal Lifetime Access Trust can be an important estate planning tool for certain high net worth individuals. Here’s what to know.

Let’s make sure you’re one of the few who’ll be prepared. With many of the provisions of the Tax Cuts and Jobs Act proje...
05/10/2024

Let’s make sure you’re one of the few who’ll be prepared. With many of the provisions of the Tax Cuts and Jobs Act projected to sunset in 2025, now’s the time to get ready. Reach out soon and let’s make the most of this historic opportunity.

Should an ILIT be a part of your estate plan? With the current estate tax exemption set to halve at the end of 2025, now...
04/26/2024

Should an ILIT be a part of your estate plan? With the current estate tax exemption set to halve at the end of 2025, now is an opportune moment to revisit (or start) your plan. Connect with me for personalized advice.

Learn how an irrevocable life insurance trust (ILIT) works, and how an ILIT can benefit you, including how an ILIT can protect your life insurance from estate taxes.

Are you ready for potential income tax increases in 2026? Here are six ways to get the most out of your money. Reach out...
04/19/2024

Are you ready for potential income tax increases in 2026? Here are six ways to get the most out of your money. Reach out for personalized advice.

Your income taxes may go up in 2026. Here are six planning tips to help you get the most out of your money.

Today’s historic estate tax window closes at the end of 2025. That may seem far off, but if you want to leverage this op...
03/22/2024

Today’s historic estate tax window closes at the end of 2025. That may seem far off, but if you want to leverage this opportunity, it's important to act quickly. Start by reading this short article, and then reach out so we can build a plan, together.

Today’s estate tax exemption is at a historic, all-time high. But that all changes at the end of 2025. Act now to leverage this “use it or lose it” opportunity.

03/15/2024
During this holy month, may your faith be strengthened, your mind enlightened, and your soul purified.Warm wishes from o...
03/11/2024

During this holy month, may your faith be strengthened, your mind enlightened, and your soul purified.

Warm wishes from our team for a Ramadan filled with forgiveness, kindness, and abundant blessings!

Tri-Harbor Financial Group

03/02/2024

Happy founding anniversary to Northwestern Mutual! I'm thrilled to be celebrating 167 years of serving my clients, communities, and colleagues!

What will bring you happiness? Wealth, fame, that big promotion? Findings from the Harvard Study of Adult Development sa...
10/04/2023

What will bring you happiness? Wealth, fame, that big promotion? Findings from the Harvard Study of Adult Development say the key to your happiness isn’t in any of those places. Here’s where you’ll want to look instead: http://spr.ly/6180uK94e

Northwestern Mutual announced their 2024 dividend payout— an expected $7.3 billion. The largest-ever. Northwestern Mutua...
09/28/2023

Northwestern Mutual announced their 2024 dividend payout— an expected $7.3 billion. The largest-ever. Northwestern Mutual has been sharing their success with clients since 1872, and whose financial strength allows us to be there for our clients through all economic conditions. Get more details: http://spr.ly/6188uHyFm

Address

875 3rd Avenue Fl 23
New York, NY
10022

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+12123900301

Website

Alerts

Be the first to know and let us send you an email when Usman Malik - Northwestern Mutual posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category