Still Building. Still Borderless
Retirement Clarity.
Understand what really happens to your U.S. retirement accounts after you leave.
Retirement Accounts After Relocation
Educational resource. Not investment advice
What Most Advisors Don’t Tell You
U.S. Retirement Rules
Don’t Travel Well.
Your 401k or IRA was built for life in the U.S.
Once you move, those same rules can create tax confusion, custodian issues, and estate traps.
Most local advisors won’t flag it and most U.S. advisors don’t even know you’ve left.
30% U.S. tax withholding if forms aren’t filed properly
Missing or misfiled IRS forms (like W-8BEN or 8233) can trigger automatic 30% withholding even on tax-free distributions.
Foreign tax clashes with Roth and IRA treatment
Your IRA or Roth might be fully taxable in your new country. Most local tax systems don’t recognize U.S. retirement protections.
Cross-border estate planning gaps for heirs
Heirs can face up to 40% U.S. estate tax plus additional tax from their own country if your account isn’t structured properly.
Currency risk that can wipe out investment gains
Without FX-aware planning, your retirement returns can be wiped out by currency movements between contribution and withdrawal.
Inside the Playbook you’ll learn how to:
Navigate U.S. non-resident tax rules
Check your country’s treaty treatment
Decide when to leave a 401(k), and when to roll
Plan smarter withdrawals using multi-country logic
Avoid estate tax landmines if you’re not a U.S. citizen
Built for Globally Mobile Professionals.
Not Retirees.
The Playbook was created for people like you:
Executives, founders, consultants, and U.S.-connected families navigating wealth across borders not winding down, but scaling up.
