Passport To Wealth™

Can a 529 plan actually pay for university outside the United States? Some foreign schools qualify for tax-free withdrawals. Most do not, and most families do not find out which is true for them until they are already trying to spend the money.Kaitlin Krozel, CPA and founder of Krozel Capital, joins the podcast to walk through how 529 plans work for American families abroad, what qualifies as an eligible foreign university, the new K-12 withdrawal rule, and the wealth tax risk a 529 can create once a family moves to certain countries.──────────────────────────────────────────CHAPTER TIMESTAMPS──────────────────────────────────────────00:00 - Can a 529 actually pay for university abroad?02:11 - What a 529 plan is, and why state choice affects your deduction09:50 - How living abroad changes 529 strategy in real time14:42 - The new $20,000-a-year rule for K-12 international school tuition18:09 - How to check if a foreign university actually qualifies24:25 - The wealth tax risk most families do not see coming──────────────────────────────────────────ABOUT THE GUEST──────────────────────────────────────────Kaitlin Krozel, CPA, is the founder of Krozel Capital, where she works with American families living abroad on cross-border tax and college planning. Kaitlin has spent years helping expat parents figure out how 529 plans hold up once a family leaves the United States, and she is raising her own two children across multiple countries.──────────────────────────────────────────ABOUT YOUR HOST──────────────────────────────────────────Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.──────────────────────────────────────────LOVE THIS EPISODE?──────────────────────────────────────────Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.──────────────────────────────────────────ABOUT PASSPORT TO WEALTH®──────────────────────────────────────────Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.LINKS & RESOURCES MENTIONEDWebsite: https://www.passporttowealth.comInstagram: https://www.instagram.com/passporttowealthofficialLinkedIn: https://www.linkedin.com/company/passport-to-wealthCheck Student Aid Eligibility: https://www.studentaid.govList of Eligible Foreign Universities: https://www.savingforcollege.comFind Krozel Capital: https://www.krozelcapital.com──────────────────────────────────────────This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.Mentioned in this episode:Passport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast NetworkPre-order "The Expat Money Playbook"Find your cross-border expert on the Passport To Wealth™ directoryPre-order "The Expat Money Playbook"Click here to subscribe to our newsletter

Her mother-in-law's advice was that crying helps babies develop their lungs. The advice from home was the opposite. Sasha Romary was raising her first child in Paris, caught between two cultures that agreed on almost nothing.In this episode, Sasha shares what it was like becoming a mother in France, then Singapore, then Germany, and what pushed her to become a sleep and parenting coach: the isolation of getting contradictory advice in two languages, the shame of a crying baby in a quiet Parisian café, and the much harder fight to get a child who didn't fit the local school system the support he needed. She and Arielle also get into how a child's age changes what kind of school will actually work abroad, and why "home," for a family that moves often, ends up being less about the address and more about the traditions a family carries with them.──────────────────────────────────────────CHAPTER TIMESTAMPS──────────────────────────────────────────00:00 – Becoming a Parent in Three Different Countries: One Expat Mom's Story01:15 – Becoming a First-Time Mom in Paris, Far from Family05:56 – French Parental Leave for Business Owners: What to Expect08:15 – Navigating Conflicting Parenting Advice Across Two Cultures16:03 – Advocating for a Child Who Doesn't Fit the Local School System19:32 – Why Your Child's Age Changes What School Works Best Abroad24:41 – Why "Home" Abroad Has Less to Do with Location Than You'd Think──────────────────────────────────────────ABOUT THE GUEST──────────────────────────────────────────Sasha Romary is a parenting and sleep coach who became a first-time mother in Paris and went on to raise her two sons in Singapore and Germany before returning to France. She now supports other expat parents navigating parenthood across cultures.──────────────────────────────────────────ABOUT YOUR HOST──────────────────────────────────────────Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.──────────────────────────────────────────LOVE THIS EPISODE?──────────────────────────────────────────Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.──────────────────────────────────────────ABOUT PASSPORT TO WEALTH™──────────────────────────────────────────Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.STAY CONNECTEDFollow Sasha on Instagram: https://www.instagram.com/sasharomaryparenting/Book a Free 30-min Parenting Call: https://www.sasharomary.com/parent-coachingWebsite: https://www.passporttowealth.com/Instagram: https://www.instagram.com/passporttowealthofficial/LinkedIn: https://www.linkedin.com/company/passport-to-wealth/──────────────────────────────────────────This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.Mentioned in this episode:Click here to subscribe to our newsletterFind your cross-border expert on the Passport To Wealth™ directoryPassport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast NetworkPre-order "The Expat Money Playbook"Pre-order "The Expat Money Playbook"

Most people never ask what happens to their estate plan, their prenup, or their inheritance if they move to another country, and that assumption can cost families everything. This episode digs into exactly that gap. International tax attorney Christine Concepción joins Arielle to unpack how residency rules, inheritance tax, prenups, and trust structures behave differently once a US family crosses a border.──────────────────────────────────────────CHAPTER TIMESTAMPS──────────────────────────────────────────00:00 - Cross-border Estate Planning: Who Needs It and Why05:55 - US Estate Tax vs. Inheritance Tax Abroad09:30 - How an Unplanned Inheritance Becomes Taxable in the US12:38 - Why Your Prenup Might Not Hold Up After Moving Abroad18:09 - Dividing Foreign Company Shares in a Divorce Settlement26:20 - Why US Trust Structures Often Fail Once You Move Abroad──────────────────────────────────────────ABOUT THE GUEST──────────────────────────────────────────Christine Concepción is an international tax attorney whose practice covers cross-border tax planning, estate planning, pre-immigration planning, expatriation, FBAR compliance, and tax controversy for individuals, families, and closely held businesses.──────────────────────────────────────────ABOUT YOUR HOST──────────────────────────────────────────Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning. ──────────────────────────────────────────LOVE THIS EPISODE?──────────────────────────────────────────Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.──────────────────────────────────────────ABOUT PASSPORT TO WEALTH®──────────────────────────────────────────Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.STAY CONNECTEDConnect with Christine on LinkedIn: https://www.linkedin.com/in/christineaconcepcionWebsite: https://www.passporttowealth.com/Instagram: https://www.instagram.com/passporttowealthofficial/LinkedIn: https://www.linkedin.com/company/passport-to-wealth/──────────────────────────────────────────This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.Mentioned in this episode:Pre-order "The Expat Money Playbook"Passport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast NetworkFind your cross-border expert on the Passport To Wealth™ directoryPre-order "The Expat Money Playbook"Click here to subscribe to our newsletter

In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA sits down with Aditi Kapadia, CFA®, CFP®, founder of Wealth IQ and a cross-border financial planner specializing in US and Canada financial planning.Aditi shares her personal journey of moving to the US as a Canadian expat, navigating two tax systems, managing cross-border income, and rebuilding her financial framework from the ground up. Together, Arielle and Aditi break down the most common challenges globally mobile professionals face, including tax residency, investment alignment, compensation planning, and major life transitions across borders.This conversation focuses on clarity over complexity and provides practical, plain-English insights for anyone managing finances between the US and Canada. Whether you are planning a move, already living abroad, or working across borders, this episode offers essential guidance to help you make confident, informed financial decisions.For a trusted path to expert cross-border guidance don't forget to go to passporttowealth.com .Have a question? Leave us a voicemailTakeaways:Aditi Kapadia is a dual citizen of Canada and the US.Understanding currency exchange rates is crucial for financial planning.Credit history in the US is vital and can be challenging for newcomers.Many people make the mistake of leaving their finances untouched after moving.Retirement accounts in Canada and the US cannot be combined.The TFSA in Canada does not provide the same benefits in the US.Property ownership in Canada has different tax implications than in the US.Hiring a cross-border accountant can save time and money.It's important to consult with professionals when moving across borders.Building a community of support is essential for expatriates.Chapters:00:00 Introduction to Cross-Border Financial Planning04:26 Navigating Currency and Exchange Rates09:24 Understanding Credit History and Financial Systems13:52 Common Mistakes in Cross-Border Financial Planning22:51 Retirement Accounts and Property Ownership27:22 The Importance of Hiring a Cross-Border AccountantMentioned in this episode:Passport to Wealth is a proud member of the SwissCast NetworkDiscover more podcasts for English-speaking SwitzerlandSwissCast NetworkPre-order "The Expat Money Playbook"