About this episode

This episode discusses the complexities of US investment accounts for expats moving abroad, featuring insights from financial experts.

US investment accounts do not automatically follow a move abroad. Custodians have their own policies for international clients, and many of them are more restrictive than most people expect. In this episode, Arielle Tucker, CFP® , EA sits down with Otto Rivera, EA, CFP® , founder of Mindful Wealth Planning and Emergent Tax Services. Otto spent years at Charles Schwab before becoming both an IRS Enrolled Agent and a CFP®, a combination that gives him a working view of custodial policy, tax law, and financial planning that most cross-border advisors cannot offer from a single seat. Topics covered, include: What actually changes for US investment accounts when moving abroad: custodian policies, mutual fund restrictions, and why ETF access may require an advisor Financial accounts, custodians, and how to check for international coverage before a move Multi-custodian access, the Schwab Italy exit, and finding advisors who can hold and invest in foreign currency Emerging wealth vs. complex strategy: when adding layers makes sense and when it doesn't Why US persons should keep account records and foreign address information current Cross-border tax compliance: why withholding rules…

People in this episode

Host: Arielle Tucker

Guest: Otto Rivera

Topics covered

• cross-border investing
• US expats
• investment accounts
• custodian policies
• tax compliance
• financial planning

Keywords

• cross-border tax compliance
• custodian policies
• ETF access
• foreign currency
• investment accounts

Mentioned in this episode

Organizations: Mindful Wealth Planning, Emergent Tax Services, Charles Schwab, IRS

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