Passport To Wealth™

Hui-chin Chen, CFP®, is the managing partner of Jade & Cowry and has spent her career working with globally mobile families across Asia-Pacific; including her own, as the spouse of a US diplomat who has lived across multiple countries and tax systems. She is one of a small number of practitioners who understands both the technical US tax obligations that reach across borders and the cultural dynamics that make compliance so difficult to achieve.This episode covers the compliance traps that consistently catch non-US citizens, US-connected individuals, and globally mobile families who never anticipated owing anything to the IRS.In this episodeAccidental Americans and the US tax net - how people become subject to US taxation through birth, the substantial presence test, green card status, or a US spouse, without ever identifying as AmericanPlanned citizenship and generational wealth in Asia - how affluent Asian families deliberately acquire US citizenship for the next generation and why, without comprehensive cross-border planning from the beginning, that decision creates compounding reporting obligations for decadesThe $60,000 US estate tax threshold for non-citizens - why a non-US citizen holding US stocks, real estate, or RSUs from a US employer faces a 40% estate tax above $60,000, how that threshold has never been indexed for inflation, and why almost no Asian countries have estate tax treaties with the USThe non-US spouse filing trap - how a US citizen claiming a non-US spouse as a dependent or filing jointly to reduce tax liability can unknowingly pull that spouse's entire foreign financial picture into the US reporting system, creating obligations the non-US spouse never agreed to and may not know existJoint accounts, family business signatory authority, and FBAR - why common Asian estate planning structures (joint accounts with parents, signatory authority on family businesses) trigger US reporting requirements the account holder never consideredTerritorial tax regimes across Asia-Pacific - how Singapore, Malaysia, Taiwan, and other territorial systems interact with US citizenship-based taxation, and why holding assets in the US for diversification can create estate tax exposure that offsets the investment benefit entirelyThe four-to-six month pre-move planning window - why cross-border planning needs to begin months before a move, not after arrival, and why a full financial audit including family account involvement is the mandatory starting pointResourcesConnect with Hui-chin on LinkedInAre you a qualified professional serving US expats in France or Europe? Apply to passporttowealth.com/joinSubscribe to the Passport to Wealth newsletter: passporttowealth.com/contactFind a vetted cross-border advisor: passporttowealth.com/directoryMentioned in this episode:www.passporttowealth.comwww.passporttowealth.comwww.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

US retirement accounts, estate plans, and investment structures do not automatically survive a move to Canada. The two countries share a border and a language but operate under entirely separate financial and tax systems; and the decisions made before you leave determine whether your existing structures are protected or become expensive problems.In this episode, Arielle Tucker, CFP®, EA sits down with Brian Wruk, MBA, CFP® (US), CFP® (Canada), TEP, CIM, RFP®, founder of Transition Financial Advisors Group and author of The American in Canada. Brian is a dual citizen who moved his American wife to Canada, navigated the compliance requirements firsthand, and has been doing US-Canada cross-border planning since 1997.Topics covered, include:Why moving to Canada does not end your US tax obligationsThe Roth IRA rules that can protect your retirement savings across the borderThe TFSA trap that creates phantom US taxable incomeHow revocable living trusts can trigger Canadian taxesWhat Canadian healthcare actually looks like in 2026, including 3-year waits for a primary care physician in OntarioHow to plan for retirement across two countriesThe one thing Brian tells every client before they board the planeThe conversation covers the Roth conversion window that closes the moment Canadian residency begins, why TFSAs generate phantom US taxable income that foreign tax credits cannot offset, how revocable living trusts can trigger punitive Canadian taxation, and what Canadian healthcare actually delivers in 2026; including current wait times for primary care and what private options are beginning to emerge.ResourcesConnect with Brian Wruk at Transition Financial Advisors Group: passporttowealth.com/brian-wrukAre you a qualified professional serving US expats in France or Europe? Apply to passporttowealth.com/joinSubscribe to the Passport to Wealth newsletter: passporttowealth.com/contactFind a vetted cross-border advisor: passporttowealth.com/directoryMentioned in this episode:Passport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Networkwww.passporttowealth.comwww.passporttowealth.com

Jessica Govern and Claire Naughton have both lived in Strasbourg, France for eight years. Both are originally from the Chicago area. Both moved abroad in their early twenties with no financial plan, no visa strategy, and no idea they were staying. This episode is their honest accounting of what that actually cost them, and what they got right.Govern produces the Passport to Wealth podcast and runs a social media management business in France. Naughton works as a fractional CMO and marketing strategist. Together they cover the financial, professional, and personal realities of long-term expat life in France that structured expert interviews rarely reach.ResourcesFind a vetted cross-border financial advisor or tax professional at the Passport to Wealth DirectoryAre you a qualified professional serving US expats in France or Europe? Apply to join the directoryMentioned in this episode:www.passporttowealth.comwww.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

Retiring abroad sounds like the dream. For Americans, the financial reality is far more complex.In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA, is joined by Ramin Olson, founder of Nomad Financial and a cross border expert specializing in helping US citizens retire overseas.Drawing from his global career and personal experience living across Europe, Ramin breaks down the hidden financial risks that many Americans overlook when planning a life abroad. From unexpected tax exposure to currency risk that can quietly impact your purchasing power, this conversation highlights what you need to know before making a move.Whether you are actively planning your retirement abroad or just exploring the idea, this episode will help you understand what is at stake and how to plan with clarity and confidence.We cover:Why your US investment strategy may not work overseasHow currency fluctuations impact your real purchasing powerThe tax traps many expats miss, including inheritance taxWhat changes when you become a tax resident abroadHow to structure your finances before relocatingMentioned in this episode:Passport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Networkwww.passporttowealth.com

The Netherlands has long been one of the most attractive destinations for US expats in Europe. But recent and proposed tax changes could significantly impact how Americans living there build and protect wealth.In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA is joined by Kaitlin Krozel, CPA, founder of Krozel Capital, a firm specializing in tax and financial planning for US expats and globally mobile families.Together they unpack the Dutch tax system, including the controversial Box 3 wealth tax and proposed reforms that could tax unrealized investment gains. Kaitlin explains how the Netherlands’ approach differs from the US tax system and why Americans may face unexpected tax consequences on brokerage accounts, Roth IRAs, and even college savings plans.They also discuss the famous 30% ruling, recent policy changes affecting expats, and why pre-immigration tax planning has become more important than ever.If you are considering a move to the Netherlands or already living there, this conversation will help you understand the evolving tax landscape and how to prepare.In this episode, you will learn:How the Netherlands’ Box 3 wealth tax worksWhy unrealized investment gains may be taxedHow Dutch tax rules treat US retirement accountsWhy Roth IRAs and 529 plans may create unexpected issuesHow the 30% ruling has changed for expatsWhy tax planning before moving abroad is criticalMentioned in this episode:www.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

Financial independence is possible for US expats, but numbers alone are not enough. Your mindset, habits, and values matter just as much as your investment strategy.In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA talks with Blair Hoover, expat financial independence coach and educator, about what it really takes to pursue FIRE while living overseas. After losing money in an offshore savings plan early in her journey, Blair transformed that experience into the foundation of her financial education. Less than a decade later, she and her husband reached financial independence in their mid-40s.Blair explains why expats are frequently targeted with high fee products, how fear and shame keep many people stuck in cash, and why taking imperfect action is often better than waiting for the perfect plan. She also shares how frugality, relationships, and quality of life can coexist, and how spending in alignment with your values can make the journey sustainable.If you are dreaming about financial independence abroad but feel overwhelmed, uncertain, or behind, this conversation will show you a practical and human path forward.Takeaways:Blair Hoover transitioned from teaching to financial coaching after realizing the complexities of expat finances.Investing in proper financial education is crucial for expats to avoid losing money in bad investment schemes.Living frugally and saving aggressively can lead to financial independence in a shorter time frame.Social connections are important, and spending on relationships can be seen as an investment.Financial coaching focuses on behavior and values, not just numbers and investments.Starting your financial journey is more important than optimizing it from the beginning.Opportunity costs are significant, especially for expats who may have limited investment options.It's essential to seek professional advice when moving countries to navigate complex tax laws.Blair emphasizes the importance of ongoing support in financial coaching for sustained success.Retirement can be achieved earlier through strategic financial planning and disciplined saving.Mentioned in this episode:www.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

Buying real estate abroad can be an exciting step for US expats and globally minded investors, but the tax mistakes can be costly without proper planning.In this episode of Passport To Wealth™, Arielle Tucker, EA, CFP, is joined by Alex McGowin, CPA, an international tax expert with deep experience advising US expats and Americans investing abroad. Together, they break down the most common tax traps US citizens face when purchasing property in countries like Costa Rica, Panama, and across Latin America.Alex explains why foreign LLCs rarely work the way Americans expect, how missed elections can turn capital gains into ordinary income, and why many expats unknowingly create controlled foreign corporations that lead to compliance headaches and unnecessary taxes. They also discuss rental properties, Airbnb income, personal use rules, and what happens when investors wait too long to get proper advice.If you are considering buying property abroad or already own foreign real estate, this episode will help you understand the hidden risks, planning opportunities, and why getting advice on the front end can protect your long term wealth.TakeawaysSpecialization in international tax is crucial for providing value.Many clients are unaware of the complexities of foreign tax laws.Building a network of trusted professionals is essential.Real estate investments in Latin America come with unique challenges.Understanding local laws is key to successful property ownership.Tax compliance is a continuous process, not just a yearly task.Engaging with clients early can prevent costly mistakes.The US tax system often conflicts with foreign tax systems.Proper structuring of foreign investments can save taxes.Visiting potential investment locations is important before purchasing.Mentioned in this episode:www.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

Raising a Family Abroad as American Expats: Working Overseas with KidsWhat does it really take to build a life abroad when you are not just moving for work, but raising a family at the same time?In this episode of Passport To Wealth™, Arielle Tucker CFP®,EA sits down with Monica Virga Alborno, an expert in supporting Americans working abroad, to unpack the realities of expat family life. Together, they explore how career decisions, immigration status, and long-term planning change when children are part of the picture.Monica shares practical insights on navigating international moves with a family, balancing professional opportunities with stability, and understanding how visas, work authorization, and residency rules impact both parents and children. The conversation highlights the often-overlooked emotional and logistical challenges expat families face, from schooling decisions to maintaining continuity while living internationally.This episode is essential listening for Americans working abroad, globally mobile professionals, and families considering an international move who want clarity, realistic expectations, and a stronger foundation for long-term success overseas.Takeaways:Monica is a former Fortune 500 executive who now focuses on conscious family living.She has lived in multiple countries and values experiential learning.Norway offers a unique lifestyle that prioritizes work-life balance.Cultural shocks include the efficiency of public transport and strict work hours.Raising children in Norway provides access to excellent healthcare and education.The Norwegian parental leave policy is generous and supportive for families.Monica's children attend a nature-based preschool that emphasizes outdoor learning.Living in Norway has allowed Monica to create a stable home for her family.Understanding what you can contribute to a new country is crucial for expats.Exploring a country like a local can provide valuable insights before moving.Mentioned in this episode:www.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

Season 3 of Passport To Wealth™ marks an exciting next chapter focused on the real financial, tax, and immigration challenges Americans face when living abroad. Hosted by Arielle Tucker CFP®, EA, this season goes beyond surface level advice to deliver practical guidance on US expat taxes, cross border financial planning, visas, and relocation strategy.Listeners will hear from trusted experts and real US expats navigating life overseas, alongside the launch of Passport To Wealth™’s growing network of vetted fiduciary advisors. The goal is simple and powerful: to give Americans abroad the clarity, tools, and support they need to confidently build a life beyond US borders.Mentioned in this episode:www.passporttowealth.comPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast Network

What does it take to truly thrive abroad, not just survive?In this eye-opening episode, host https://www.linkedin.com/in/arielletucker/ (Arielle Tucker CFP®, EA) sits down with intercultural psychologist and expat coach http://www.deborahdahab.com/ (Deborah Dahab) to explore the deeper, often overlooked side of international relocation. Together, they unpack why moving abroad isn’t a magic fix and how Americans can better prepare emotionally and psychologically for the journey.Deborah shares personal stories from her own expat life, practical strategies for building resilience, and the importance of defining your own version of success. From understanding cultural shock to building a support system and aligning your goals with your move, this conversation is packed with valuable insights for anyone dreaming of a life overseas. Whether you’re planning your first move abroad or reevaluating life as a long-time expat, this episode will help you shift your mindset, clarify your purpose, and thrive wherever you land.

In this episode of Passport to Wealth™, host Arielle Tucker, CFP®, EA is joined by cross-border financial expert Jane Mepham, CFP®, founder of Elgon Financial Advisors and host of the International Money Cafe podcast. Together, they dive deep into the financial, legal, and tax challenges immigrants, expats, and globally mobile professionals face when moving to or from the United States.Whether you're entering the U.S. on a work visa like H-1B or L-1, or preparing to repatriate or retire abroad, this episode covers the real-world planning opportunities and pitfalls that could cost you thousands if overlooked. This episode is essential listening for immigrants, foreign nationals, and U.S. expats who want to make smarter financial decisions and avoid the common traps around taxation, compliance, and wealth preservation.

In this episode of the Passport to Wealth™, host Arielle Tucker, CFP®, EA, sits down with Saaya Sorrells-Weatherford, the CEO and co-founder of Emigreat, a regtech startup simplifying the global relocation process for companies and immigrants alike.Saaya shares her deeply personal story of navigating complex immigration systems across multiple countries, from her multicultural upbringing in Japan to building a purpose-driven tech company in Sweden. Together, Arielle and Saaya discuss the realities of moving abroad, the hidden challenges of cross-border living, and the rising global trends shaping immigration policy. This thoughtful conversation unpacks what it means to be an “accidental entrepreneur,” the biases immigrants face in international job markets, and how technology can make relocation fairer and more transparent.Whether you’re an aspiring expat, startup founder, or globally minded professional, this episode offers practical insights into resilience, adaptability, and building meaningful impact through innovation.

Have you ever wondered if it’s too late to move abroad after 30? For many women, the idea of starting fresh overseas feels out of reach, but Cepee Tabibian, founder of She Hit Refresh, proves otherwise.At 35, she sold her belongings, left Texas, and moved to Spain, a dream she had been chasing since she first visited Madrid at 21. That leap changed her life and sparked a movement.Today, Cepee is the author of I’m Outta Here: An American’s Ultimate Visa Guide to Living in Europe, featured in Forbes as a trusted resource for Americans navigating the visa process. Through her masterclasses, her private membership community, and the She Hit Refresh social platforms, she has helped thousands of women over 30 take their own bold steps toward a life abroad.In this episode, Cepee talks about the real challenges US expats face, from housing and bureaucracy to finding lasting friendships. Cepee explains how digital nomad and retirement visas are opening new doors for US expats, why Albania is becoming a surprising destination, and how mindset and patience are just as important as logistics when you’re moving overseas.If you’re a woman dreaming of a new chapter in Spain, Portugal, Mexico, or beyond, Cepee’s story will inspire you to get clear on your vision and take practical steps toward building a life you love abroad.