Wealth management area

Retirement

Cross-border retirement planning brings public benefits, employer pensions, personal accounts, healthcare, taxation, and spending currencies into one household income plan.

A coordinated view

What belongs in retirement

Each benefit should be documented separately: eligibility, claiming age, inflation treatment, survivor protection, currency, tax treatment, and the country responsible for payment.

The retirement plan should model more than the first year. Residence, healthcare access, required distributions, survivor income, and currency needs can change over a long retirement.

Articles & guides

Explore Retirement

Start with the issue closest to your current decision, then identify which tax, legal, investment, and family questions connect to it.

Retirement5 min read

IRA and Roth Decisions for Americans Living Outside the United States

Evaluate contribution eligibility, local tax recognition, conversions, distributions, and account access across borders.

Retirement5 min read

Retiring Across Countries Without Losing the Financial Thread

Coordinate residence, pensions, Social Security, Medicare, banking, currency, and estate documents in a mobile retirement.

Retirement8 min read

How to coordinate retirement across two systems

Build one retirement plan from pensions, Social Security, tax wrappers, currencies, and two sets of rules.

Retirement4 min read

How Social Security totalization agreements work

Coordinate coverage, avoid dual contributions when eligible, and combine credits for qualification without combining benefits.

Retirement4 min read

Receiving U.S. Social Security while living abroad

Check payment eligibility, citizenship and country restrictions, taxation, banking, and survivor administration.

Retirement4 min read

What the repeal of WEP and GPO means for Americans abroad

Recheck Social Security estimates after the Social Security Fairness Act ended the two reductions.

Retirement4 min read

Taking required minimum distributions while living abroad

Coordinate deadlines, custodians, withholding, local taxation, currency, and inherited-account rules.

Retirement4 min read

Medicare decisions when retiring abroad

Evaluate enrollment timing, premiums, limited overseas coverage, future return, and supplemental insurance.

Retirement4 min read

Medicare eligibility for non-U.S. citizens

Review age or disability eligibility, lawful residence, work credits, premiums, and a spouse's record.

Retirement4 min read

Foreign pension lump sum or lifetime income?

Compare guarantees, inflation, survivor benefits, taxes, currency, transfer rights, and investment risk.

Retirement10 min read

Coordinating U S and Foreign Retirement Accounts

Workers and retirees with pensions on both sides of a border. A practical long-form guide to inventory every plan and its governing country, map tax deferral and reporting in both systems, estimate benefits in a common currency, and the decisions that connect them.

Retirement10 min read

How Totalization Agreements Affect Social Security

People whose careers span the United States and another country. A practical long-form guide to explain dual social tax coverage, show how coverage credits may be combined, distinguish eligibility from benefit amount, and the decisions that connect them.

Retirement10 min read

Social Security After the Windfall Elimination Provision Repeal

Americans with foreign pensions who need to revisit benefit estimates. A practical long-form guide to explain the prior wep framework, describe which beneficiaries may be affected, request and review updated records, and the decisions that connect them.

Retirement10 min read

Required Minimum Distributions While Living Abroad

U S retirement account owners who reside overseas. A practical long-form guide to identify which accounts require distributions, calculate deadlines and amounts, plan withholding and local tax treatment, and the decisions that connect them.

Retirement10 min read

Roth Conversions for Americans Abroad

Expats considering conversions during lower tax years. A practical long-form guide to estimate u s federal and state tax, check the residence country's treatment of roth accounts, model foreign tax credits and treaty effects, and the decisions that connect them.

Retirement10 min read

Medicare Decisions for Americans Living Overseas

People nearing age 65 who may return to the United States later. A practical long-form guide to explain eligibility and overseas coverage limits, compare parts a and b enrollment choices, review late enrollment penalties, and the decisions that connect them.

Retirement10 min read

Social Security Benefits for a Foreign Spouse

Cross border couples planning retirement and survivor income. A practical long-form guide to review worker and spouse eligibility, apply residence and nationality restrictions, understand totalization and payment rules, and the decisions that connect them.

Retirement10 min read

Pension Lump Sum or Lifetime Income

Employees deciding how to receive a pension while rates and residence may change. A practical long-form guide to compare lifetime income and lump sum mechanics, explain how interest rates affect present value, review tax treatment in both countries, and the decisions that connect them.

Retirement10 min read

Retiring Abroad Without Underestimating the Cost

Prospective retirees building an after tax overseas budget. A practical long-form guide to model housing healthcare and visa expenses, add travel tax advice and currency costs, stress test inflation and exchange rates, and the decisions that connect them.

Retirement10 min read

A Retirement Withdrawal Strategy for Two Tax Systems

Retirees with taxable brokerage retirement and pension income. A practical long-form guide to map how each account is taxed in each country, set an annual after tax spending target, sequence withdrawals around credits and brackets, and the decisions that connect them.