The 90-day cross-border financial checklist
A practical sequence for reviewing tax residency, accounts, investments, insurance, and estate documents before a move.
Read the guideQuestions to frame first
Begin with facts, dates, and ownership.
- Which status controls which decision?
- What changes before arrival or departure?
- Which records should be preserved?
Explore the subject
Common planning threads
Rules vary by country, status, year, account, and personal facts. Confirm material decisions against current primary sources.
Immigration and financial planning
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Read a related guideDigital-nomad and remote-work considerations
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Discuss this topicDAFT and the Netherlands
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Read a related guideResidency-by-investment programs
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Discuss this topicCitizenship and nationality considerations
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Discuss this topicGreen cards
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Read a related guideLong-term residency
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Read a related guideLeaving the United States
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Read a related guidePre-arrival and pre-departure planning
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Read a related guideArticle library · 42 guides
Read about residency & mobility
Use these source-linked guides to understand the recurring decisions, then confirm how the rules apply to your countries and circumstances.
Planning before moving to the United States
A pre-arrival framework for residence dates, investments, entities, trusts, pensions, and records.
Read the guidePlanning before leaving the United States
Coordinate residence, account access, compensation, retirement plans, estate documents, and any expatriation analysis before departure.
Read the guideA 12-month financial calendar for an international move
Sequence residence, compensation, investments, banking, insurance, and estate work before the moving date compresses every decision.
Read the guideReturning to the United States after years abroad
A re-entry plan for foreign investments, pensions, banking, tax residence, healthcare, and records.
Read the guideEnding state residency before moving abroad
Separate federal citizenship-based taxation from state domicile, statutory residence, and source income.
Read the guideUnderstanding the covered expatriate tests
Review net worth, average tax liability, five-year compliance, exceptions, and the mark-to-market regime before expatriation.
Read the guideDAFT and the Netherlands: a private-wealth planning map
Immigration is only the first layer. Coordinate the business, tax residence, investments, pensions, estate plan, and U.S. reporting.
Read the guideU.S.–Germany wealth planning: accounts, pensions, and timing
A structured review for households moving between the United States and Germany with investments, pensions, or equity compensation.
Read the guideMoving from the United States to Portugal: a financial planning guide
Use current rules for residence, incentives, pensions, investments, property, and estate planning.
Read the guideMoving from the United States to Spain: a financial planning guide
Coordinate residence, foreign-asset reporting, investments, property, pensions, and regional succession rules.
Read the guideMoving from the United States to Italy: a financial planning guide
Review residence, foreign assets, pensions, property, succession, and special regimes using current rules.
Read the guideThe Financial Timeline for Moving Abroad
People planning an international move who need to know what to do and when. A practical long-form guide to define the move date and tax residency crossover, map banking brokerage and credit needs, review employment benefits insurance and healthcare, and the decisions that connect them.
Read the guideHow to Choose a Country Without Letting Taxes Make the Decision
Families comparing destinations and balancing tax rules with daily life. A practical long-form guide to separate lifestyle goals from tax incentives, compare residency and work rights, estimate total tax and social contribution costs, and the decisions that connect them.
Read the guideThe First 90 Days Abroad Financial Checklist
New expatriates who need a practical setup sequence after arrival. A practical long-form guide to confirm local registration and tax residency dates, open essential bank and payment accounts, protect access to u s accounts and phone numbers, and the decisions that connect them.
Read the guideReturning to the United States After Years Abroad
Americans preparing to repatriate with foreign accounts assets or pensions. A practical long-form guide to choose the u s return date deliberately, review foreign funds pensions and insurance products, plan currency transfers and liquidity, and the decisions that connect them.
Read the guideA Cross Border Budget That Survives Currency Swings
Households earning and spending in different currencies. A practical long-form guide to identify each income and spending currency, separate fixed obligations from flexible expenses, set exchange rate planning bands, and the decisions that connect them.
Read the guideShould You Buy or Rent a Home Abroad
Prospective expatriates deciding whether foreign property belongs in the plan. A practical long-form guide to start with expected length of stay, model purchase taxes financing and transaction costs, review ownership restrictions and residency consequences, and the decisions that connect them.
Read the guideBanking Across Borders Without Losing Access
Expats who need reliable U S and local banking arrangements. A practical long-form guide to why banks restrict nonresident customers, which accounts to keep before departure, how to establish a local banking footprint, and the decisions that connect them.
Read the guideInsurance Gaps That Appear After an International Move
Families reviewing protection when domestic coverage no longer travels with them. A practical long-form guide to check health coverage by country and provider network, compare travel expat and local medical policies, review life disability property and liability insurance, and the decisions that connect them.
Read the guideMoving Abroad With Children
Parents planning the financial and practical side of an international relocation. A practical long-form guide to compare school systems tuition and admission timing, budget for language support and activities, review healthcare guardianship and travel permissions, and the decisions that connect them.
Read the guideThe Annual Cross Border Financial Review
Established expats who need a repeatable yearly planning process. A practical long-form guide to update residency citizenship and family facts, review cash flow taxes and reporting deadlines, test investment allocation and account access, and the decisions that connect them.
Read the guideMoving From the United States to Germany
Americans who want a coordinated overview of German tax investing retirement and estate issues. A practical long-form guide to determine german tax residency and filing scope, understand treaty coordination and double tax relief, review brokerage access and fund classification, and the decisions that connect them.
Read the guideMoving From the United States to the Netherlands
Americans considering employment retirement or entrepreneurship in the Netherlands. A practical long-form guide to establish residency and understand box taxation, assess the current expatriate tax facility, review u s brokerage and european investment access, and the decisions that connect them.
Read the guideUsing DAFT to Build a Life in the Netherlands
U S entrepreneurs evaluating the Dutch American Friendship Treaty route. A practical long-form guide to explain who may qualify and what daft permits, build the business and cash flow plan, understand registration banking and insurance, and the decisions that connect them.
Read the guideMoving From the United States to France
Americans seeking a practical guide to French tax treaty investment and inheritance issues. A practical long-form guide to set the residency date and first filing year, use the treaty framework for u s income and accounts, avoid investment products that create tax conflicts, and the decisions that connect them.
Read the guideMoving From the United States to the United Kingdom
Americans relocating to the U K for work family or retirement. A practical long-form guide to understand residence and the current foreign income regime, coordinate u s and u k income taxation, navigate the offshore fund and pfic conflict, and the decisions that connect them.
Read the guideMoving From the United States to Sweden
Americans preparing for Swedish tax investment and family planning rules. A practical long-form guide to determine swedish tax residence and registration, map income capital and social contribution exposure, review the ten year rule and departure planning, and the decisions that connect them.
Read the guideMoving From the United States to Norway
Americans weighing Norway's taxes public benefits and investment rules. A practical long-form guide to establish residency and worldwide income exposure, understand income wealth and capital gains taxation, plan national insurance and retirement benefits, and the decisions that connect them.
Read the guideMoving From the United States to Switzerland
Americans comparing Swiss cantons and planning a move. A practical long-form guide to explain federal cantonal and municipal taxation, compare residency permits and canton selection, review healthcare pensions and social insurance, and the decisions that connect them.
Read the guideMoving From the United States to Portugal or Spain
Families comparing two popular European destinations. A practical long-form guide to compare residence pathways and tax residency tests, contrast income wealth and investment taxation, review healthcare housing and cost of living, and the decisions that connect them.
Read the guideMoving From the United States to Italy or Ireland
Americans choosing between two countries with very different tax and estate systems. A practical long-form guide to compare residency and special tax regimes, map employment investment and pension income, review domicile inheritance and gift rules, and the decisions that connect them.
Read the guideBefore You Become a U S Tax Resident
Foreign nationals who can still restructure assets before arrival. A practical long-form guide to identify the first possible residency date, review foreign funds companies trusts and pensions, consider gains basis and liquidity before entry, and the decisions that connect them.
Read the guideGreen Card Tax Planning From Entry to Exit
Permanent residents who need to understand the long tax life of a green card. A practical long-form guide to explain tax residence after receiving a green card, track years for long term resident status, coordinate foreign income assets and reporting, and the decisions that connect them.
Read the guideThe Substantial Presence Test for Frequent U S Visitors
Foreign nationals who spend significant time in the United States. A practical long-form guide to count current and prior year days, explain exempt days and closer connection claims, review treaty residency positions, and the decisions that connect them.
Read the guideForeign Investments That Become Tax Toxic in the United States
Inbound residents holding funds insurance or savings products abroad. A practical long-form guide to identify pooled funds and insurance wrappers, explain pfic and trust classification risks, compare sale restructuring and continued ownership, and the decisions that connect them.
Read the guideU S Estate Tax Exposure for Foreign Nationals
Noncitizens who acquire U S property investments or business interests. A practical long-form guide to distinguish income tax residence from estate domicile, identify u s situs assets, review treaty coverage and exemptions, and the decisions that connect them.
Read the guideSocial Security and Medicare for Non U S Citizens
Foreign nationals with U S work histories planning benefits. A practical long-form guide to review insured status and work credits, apply nationality residence and payment restrictions, coordinate foreign coverage through agreements, and the decisions that connect them.
Read the guideLeaving the United States With Foreign and U S Assets
Foreign nationals preparing to end U S residence. A practical long-form guide to select the departure date and final residency year, review green card surrender and treaty positions, plan gains distributions and compensation, and the decisions that connect them.
Read the guideCovered Expatriate Rules for Long Term Green Card Holders
Long term residents evaluating permanent departure. A practical long-form guide to define long term resident status, apply net worth tax liability and certification tests, explain mark to market and deferred compensation rules, and the decisions that connect them.
Read the guideForeign Trusts and the U S Tax System
Inbound or resident families connected to non U S trusts. A practical long-form guide to classify the trust for u s purposes, identify grantors trustees and beneficiaries, map distributions loans and use of trust property, and the decisions that connect them.
Read the guideBuilding a U S Investment Plan as a New Resident
Foreign nationals beginning to save and invest in the United States. A practical long-form guide to set goals liquidity and emergency reserves, choose taxable and retirement accounts, integrate assets left abroad, and the decisions that connect them.
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