Cross-Border Investing: What Changes When US Expats Move Abroad

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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