Financial Planning for Americans Living Abroad
Specialist cross-border financial planning for US citizens, Green Card holders and US-connected individuals living internationally.
Your American Financial Life Does Not Stop at the Border
Americans living abroad often face financial rules that continue to apply regardless of where they live.
US citizenship-based taxation, FATCA reporting, retirement account restrictions and local-country rules can all affect the way you save, invest and plan for retirement.
SJB Global helps US-connected clients bring these issues together within one coordinated international financial plan.
Explore Our US Expat Services
Start with the area most relevant to your current position, future move and long-term financial objectives.
Retirement Planning for US Expats
Coordinate retirement income, investments, Social Security and US retirement accounts while living internationally.
Explore Retirement Planning →US Retirement Accounts for Non-US Residents
Understand how 401(k)s, IRAs, Roth IRAs, 403(b)s and other US retirement accounts may be managed while living abroad.
Explore US Retirement Accounts →US Exit Planning
Prepare for a move abroad by reviewing tax, retirement accounts, investments, banking and long-term residency considerations.
Explore US Exit Planning →Tax Planning for US Expats
Understand ongoing US tax obligations and how they interact with the tax rules in your country of residence.
Explore US Expat Tax Planning →Cross-Border Investment Management
Build an investment strategy that considers US reporting, local residence rules, currency and long-term international objectives.
Explore Investment Management →Financial Planning for Americans Abroad Requires a Cross-Border View
US rules continue to influence financial decisions even after you move overseas.
Citizenship-Based Taxation
US citizens generally remain subject to US tax filing obligations regardless of where they live.
FATCA Compliance
Financial institutions and investment providers may have specific reporting and eligibility requirements for US-connected clients.
US Retirement Accounts
401(k)s, IRAs and other retirement accounts remain governed by US rules while local tax treatment may also apply.
Cross-Border Investments
Not every investment available outside the US is appropriate for a US taxpayer.
Estate Planning
US estate tax, local succession rules and beneficiary arrangements may all need to be considered together.
International Advice
Advice should reflect both US obligations and the rules that apply in your country of residence.
Explore Guidance for Popular European Destinations
The interaction between US rules and local tax, pension and investment systems differs from country to country.
Moving to Portugal From the US
Explore tax, retirement and investment considerations for Americans planning a move to Portugal.
Explore Portugal →Moving to Spain From the US
Understand the wider financial considerations for Americans living or retiring in Spain.
Explore Spain →US Retirement Planning in France
Explore retirement account, tax and investment considerations for Americans living in France.
Explore France →The Complete Guide to Moving Abroad From the USA
A guide to key tax, investment, retirement and financial planning issues for Americans living overseas.
Download the Guide
Recent Articles for Americans Abroad
Explore recent guidance on US retirement accounts, tax, investments and financial planning while living overseas.
US Expat Resources and Specialist Guidance
Explore focused pages covering US reporting, retirement accounts and specialist planning for Americans overseas.
US Expat Filing Requirements
Understand FATCA, FBAR and annual US reporting responsibilities.
Explore Filing Requirements →401(k) Rollover to IRA
Explore how a 401(k) may be consolidated into an IRA while living abroad.
Explore 401(k) Rollovers →US Retirement Accounts
Learn how different US retirement accounts work for non-US residents.
Explore Retirement Accounts →Country Guides
Explore tax, retirement and financial planning guidance by destination.
Visit the Country Guides →Plan Your Financial Life Abroad With Greater Clarity
Whether you are preparing to leave the US or already living overseas, our advisers can help you understand the interaction between tax, retirement accounts, investments and long-term planning.