Passport To Wealth®

NHR is gone, the path to Portuguese citizenship just got longer, and the visa most Americans assumed would work for them might not fit anymore.

Ricardo Jesus, a financial advisor with Liberty Atlantic Advisors in the Algarve, joins the show to explain what replaced NHR, how the citizenship timeline changed, the real difference between Portugal's visa options, and a real client case involving the Golden Visa and an unexpected US tax classification.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

05:51 - What replaced NHR and why the original program ended

11:35 - The Golden Visa, D2, D7, and D8 visas explained

19:31 - A real client case: the Golden Visa's hidden US tax problem

24:21 - Why Portugal's citizenship path changed from 5 years to 10

28:25 - The split-year tax residency window and the pre-tax to after-tax shift

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Ricardo Jesus is a financial advisor with Liberty Atlantic Advisors, based in the Algarve, specializing in cross-border financial planning for Americans moving to or living in Portugal and Spain. Born and raised in Portugal, he moved to the US on a Division I tennis scholarship before returning to Europe, giving him a cross-border perspective from both directions.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Find Ricardo Jesus in the Passport To Wealth® Directory: https://www.passporttowealth.com/ricardo-jesus

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

In Switzerland, the landlord chooses you, not the other way around.

Özgür Ogulkanmis, founder of Swiss Expat Realtor and Swiss Agency Immobilien, joins the show to explain why the Swiss rental application process is so demanding, what US citizens specifically can and cannot buy as non-EU/EFTA residents, and why local relationships matter as much as paperwork.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Why a Swiss-born, globally-experienced team focuses on serving expats

02:36 - The biggest misconception Americans have about Swiss apartment hunting

09:36 - Why most clients secure permanent housing before ever going temporary

18:27 - Who is actually allowed to buy property in Switzerland

20:45 - The difference between a B permit and a C permit for property rights

22:40 - What to know before applying to rent or buy in Switzerland

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Özgür Ogulkanmis is the founder of Swiss Expat Realtor and Swiss Agency Immobilien, a Zurich-based team of former expats helping international families, including Americans, navigate Swiss real estate, immigration paperwork, and school placement.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Follow Swiss Expat Realtor on LinkedIn: https://www.linkedin.com/company/swissexpatrealtor

Visit Swiss Expat Realtor: https://www.swissexpatrealtor.com

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Find your cross-border expert on the Passport To Wealth® directory

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

A US living trust can create unexpected French tax and reporting consequences once someone moves to France, and French tax residence is not determined the way most people assume.

Thomas Dubanchet, a French tax lawyer and founder of Bespoke, joins the show to explain how France treats US trust structures, why French tax residence cannot be determined by a day count alone, and how a formal written position from French tax authorities can address specific situations before committing to a move.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Why a French tax lawyer builds his practice around US-connected clients

05:25 - The planning gap FATCA created between US and French systems

08:23 - The common mistake of optimizing your old state's plan instead of coordinating with the new one

19:03 - How France treats US living trusts

23:15 - Requesting a formal written position from French tax authorities

25:36 - Why French tax residence is not just a day count

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Thomas Dubanchet is a French tax lawyer admitted to the Nice Bar and founder of Bespoke, a French tax law firm advising US-connected individuals and families on relocation, French tax residence, trusts, and estate planning. He works with clients' US tax and legal advisers to coordinate planning across both countries. He is a member of the Passport To Wealth® Directory.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Find Thomas Dubanchet in the Passport To Wealth® Directory: https://www.passporttowealth.com/thomas-dubanchet

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

A US citizen inherits a family property in India. A mutual fund he's held for years suddenly won't accept him as an investor anymore. His old Indian bank account becomes illegal to keep in its original form. None of this is a mistake, it's what happens when two entirely separate financial systems collide.

Amol Desai, CFP® and CFA and founder of Perceptive Wealth Advisors, joins the podcast to unpack exactly this, drawing on his own journey as a first-generation immigrant from India and the cross-border planning practice he built around it.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - From engineering student to cross-border financial advisor

03:17 - The wealth and education assumptions behind first-generation immigrants

05:45 - Why NRIs are legally required to convert their Indian bank accounts

08:30 - NRE versus NRO: what each account is actually for

12:15 - How Indian mutual funds became a US tax problem nobody saw coming

15:36 - A $180,000 lesson in gifting versus waiting for inheritance

27:24 - What to ask before hiring a cross-border advisor

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Amol Desai is a CFP® and CFA, founder of Perceptive Wealth Advisors, and a member of the Passport To Wealth® Directory. He specializes in US-India cross-border financial planning for first-generation immigrants, work he began after navigating these exact challenges himself.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Connect with Amol on LinkedIn: https://www.linkedin.com/in/amol-desai

Visit Amol's Directory page: https://www.passporttowealth.com/amol-desai

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Find your cross-border expert on the Passport To Wealth® directory

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

The Expat Money Playbook is officially out today. In this launch week special, Arielle Tucker steps away from the usual guest format to share her own story and read Chapter One aloud.

She covers her own path to Switzerland, how she landed in US tax compliance during the exact week FATCA hit Swiss banks, and why she wrote this book collaboratively rather than alone. Then she reads Chapter One: starting with why, the Values First Expat Exercise, and the SMART goals framework.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - From bored 24-year-old to trailing spouse in Switzerland

03:17 - Landing in US tax compliance the exact week FATCA hit

06:00 - Why she wrote this book with dozens of contributors, not alone

09:00 - Chapter One: starting with why, not logistics

15:36 - The Values First Expat Exercise

20:38 - SMART goals: turning a dream into an actual plan

24:34 - Where to find the book and the free companion toolkit

──────────────────────────────────────────

ABOUT THE BOOK

──────────────────────────────────────────

The Expat Money Playbook, published by Wiley, is Arielle Tucker's first book, written with contributions from dozens of cross-border professionals. Available now wherever books are sold .

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

JOIN THE LIVE AMA

──────────────────────────────────────────

This Tuesday, October 6, 1:00 PM EDT, join Arielle and a panel of cross-border experts live for a full AMA, simulcast on Facebook and YouTube. Bring your questions about the book, moving abroad, or cross-border planning.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

• Website: https://www.passporttowealth.com
• Instagram: https://www.instagram.com/passporttowealthofficial
• LinkedIn: https://www.linkedin.com/company/passport-to-wealth
• YouTube: https://www.youtube.com/@PassportToWealthOfficial

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Click here to subscribe to our newsletter

Every American living abroad has the right to vote in federal elections, yet every cycle, a meaningful number of ballots never make it home, not from apathy, but from a form that arrived late, a lost ballot, or simply not knowing a backup option existed.

Ada Shen from votefromabroad.org, who has spent over two decades helping Americans overseas register, request, and return a ballot, joins the podcast for a fully nonpartisan, procedural walkthrough of how voting from abroad actually works.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Yes, Americans abroad can vote, and here's what's actually on the ballot

01:32 - The one form that registers you, requests your ballot, and updates your info

04:43 - Why "last resided" isn't a choice, it's a rule

09:27 - Getting your ballot by email, and the deadlines that matter this cycle

15:07 - The backup ballot almost nobody knows they can use

25:14 - Clearing up the biggest misconception: voting and taxes are separate

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Ada Shen has spent over two decades helping Americans overseas navigate voter registration and absentee voting through VoteFromAbroad.org, guiding voters through registration, ballot requests, and the specific rules that apply to citizens living outside the United States.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Visit VoteFromAbroad.org: https://www.votefromabroad.org

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Find your cross-border expert on the Passport To Wealth® directory

A YouTuber built a channel documenting American life in Germany, then leveraged it into an actual self-employment visa, and eventually German citizenship, without ever going through a traditional employer sponsor.

Donnie Ashburn, a dual American-German citizen and content creator, joins the podcast to walk through his path from dependent visa to self-employment to citizenship, and what he'd tell anyone considering the same route.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Quitting two jobs, traveling nine months, and landing in Germany by chance

02:43 - COVID and the moment "backup plan" stopped being hypothetical

08:10 - What Germany's self-employment visa actually required, dollar for dollar

21:18 - Why becoming self-employed meant giving up his wife's EU Blue Card

23:11 - The real bureaucratic weight of running a business in two countries at once

27:35 - Why he pursued German citizenship as insurance, not just a milestone

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Donnie Ashburn is a dual American-German citizen and content creator living in Germany's Pfalz region. He built a YouTube channel documenting life as an American in Germany, later turned that platform into a self-employment visa, and became a naturalized German citizen in 2025. He now helps other content creators navigate Germany's self-employment visa route.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Subscribe to Donnie's YouTube channel: https://www.youtube.com/@PassportTwo

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

A valid, properly signed power of attorney still isn't a guarantee a bank will honor it. Beth Pinsker found that out the hard way while managing her mother's care and finances from several states away, an experience she turned into "My Mother's Money: A Guide to Financial Caregiving."

Beth, a CFP and award-winning journalist, joins the podcast to walk through what financial caregiving actually looks like day to day, why one family member usually ends up doing it whether or not they agreed to, and what changes when the people involved live in different countries.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - The distance every caregiver feels, whether it's states or oceans away

01:26 - How a "temporary" trip turned into nine months of caregiving

06:22 - Big-picture money talks versus the daily bill-paying reality

09:19 - Why one person always ends up "the doer" in every family

11:59 - What changes when trustees and heirs live in different countries

21:14 - The power of attorney fight that took three appointments at the bank, and the one document every family needs before a crisis

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Beth Pinsker is a CFP and award-winning journalist who has covered personal finance for outlets including MarketWatch and The Wall Street Journal. She managed her own mother's care and finances from several states away and wrote about the experience in "My Mother's Money: A Guide to Financial Caregiving."

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Order My Mother's Money: https://bethpinsker.com

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Find your cross-border expert on the Passport To Wealth® directory

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

France can tax an American's retirement income at zero. It can also be one of the least forgiving countries in the world to die in. Both are true, and most families only learn the second half after they've already moved.

Vincent Berthier de Bortoli, a French tax attorney and STEP member whose clients are now almost entirely American, joins the podcast to explain how the US-France tax treaty actually works, why France has no legal concept of an "estate," and why a US trust can quietly turn a 0 percent tax situation into a 31.4 percent one.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Why Americans are moving to France right now

02:35 - Inside the US-France tax treaty: pensions, IRAs, and Roth accounts taxed at zero

07:31 - Why dying in France is never a good idea, tax-wise

10:22 - Inheriting from a US parent while living in France, and the six-year tax holiday

13:47 - The one-euro filing rule most Americans don't know about

17:56 - Why French tax authorities almost always come after a US trust

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Vincent Berthier de Bortoli is a French tax attorney and STEP member based in the French Alps. He has practiced tax for nearly a decade, founded his own French tax practice in October 2023, and now advises a clientele that is roughly 90 percent American families relocating to France. He also is a member of the Passport To Wealth® community.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

LINKS & RESOURCES

──────────────────────────────────────────

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

VBDB Website: https://www.vbdbtax.com/en/international-tax-attorney

Vincent's LinkedIn: https://www.linkedin.com/in/vincentbdb

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

──────────────────────────────────────────

Mentioned in this episode:

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Find your cross-border expert on the Passport To Wealth® directory

Can a 529 plan actually pay for university outside the United States? Some foreign schools qualify for tax-free withdrawals. Most do not, and most families do not find out which is true for them until they are already trying to spend the money.

Kaitlin Krozel, CPA and founder of Krozel Capital, joins the podcast to walk through how 529 plans work for American families abroad, what qualifies as an eligible foreign university, the new K-12 withdrawal rule, and the wealth tax risk a 529 can create once a family moves to certain countries.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Can a 529 actually pay for university abroad?

02:11 - What a 529 plan is, and why state choice affects your deduction

09:50 - How living abroad changes 529 strategy in real time

14:42 - The new $20,000-a-year rule for K-12 international school tuition

18:09 - How to check if a foreign university actually qualifies

24:25 - The wealth tax risk most families do not see coming

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Kaitlin Krozel, CPA, is the founder of Krozel Capital, where she works with American families living abroad on cross-border tax and college planning. Kaitlin has spent years helping expat parents figure out how 529 plans hold up once a family leaves the United States, and she is raising her own two children across multiple countries.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

LINKS & RESOURCES MENTIONED

Website: https://www.passporttowealth.com

Instagram: https://www.instagram.com/passporttowealthofficial

LinkedIn: https://www.linkedin.com/company/passport-to-wealth

Check Student Aid Eligibility: https://www.studentaid.gov

List of Eligible Foreign Universities: https://www.savingforcollege.com

Find Krozel Capital: https://www.krozelcapital.com

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Americans living in Singapore sit inside one of the most favorable tax environments for Roth conversions anywhere in the world. No capital gains tax, no dividend tax, and the conversion itself isn't taxed locally. Most are not using it, and most of their advisors do not even know it is available.

Anne-Marie Regalfounder of Avrio Wealth, built one of the first dual-licensed MAS and SEC fiduciary practices for US-connected families in Singapore. She shares what that planning opportunity looks like in practice, what the CPF gets wrong for Americans, and the financial mistakes she unwinds with new clients every week.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:52 — How Ann Marie built a fiduciary practice for Americans in Singapore

06:21 — MAS financial advisor license vs capital markets license

10:32 — Why a US-based advisor eventually stops working from abroad

16:48 — The Roth conversion window Americans in Singapore are not using

22:00 — CPF: excellent for Singaporeans, problematic for US taxpayers

28:06 — The most common financial mistakes US expats make in Singapore

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Anne-Marie Regal, CFP®, is the founder of Avrio Wealth, a fiduciary financial planning firm with offices in Singapore and New York City. Avrio is dual-licensed with the Monetary Authority of Singapore and the SEC, and focuses exclusively on US-connected globally mobile families. Ann Marie has been based in Singapore since 2007 and built one of the first fee-only cross-border planning practices for Americans in Asia.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Her mother-in-law's advice was that crying helps babies develop their lungs. The advice from home was the opposite. Sasha Romary was raising her first child in Paris, caught between two cultures that agreed on almost nothing.

In this episode, Sasha shares what it was like becoming a mother in France, then Singapore, then Germany, and what pushed her to become a sleep and parenting coach: the isolation of getting contradictory advice in two languages, the shame of a crying baby in a quiet Parisian café, and the much harder fight to get a child who didn't fit the local school system the support he needed. She and Arielle also get into how a child's age changes what kind of school will actually work abroad, and why "home," for a family that moves often, ends up being less about the address and more about the traditions a family carries with them.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – Becoming a Parent in Three Different Countries: One Expat Mom's Story

01:15 – Becoming a First-Time Mom in Paris, Far from Family

05:56 – French Parental Leave for Business Owners: What to Expect

08:15 – Navigating Conflicting Parenting Advice Across Two Cultures

16:03 – Advocating for a Child Who Doesn't Fit the Local School System

19:32 – Why Your Child's Age Changes What School Works Best Abroad

24:41 – Why "Home" Abroad Has Less to Do with Location Than You'd Think

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Sasha Romary is a parenting and sleep coach who became a first-time mother in Paris and went on to raise her two sons in Singapore and Germany before returning to France. She now supports other expat parents navigating parenthood across cultures.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH™

──────────────────────────────────────────

Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Follow Sasha on Instagram: https://www.instagram.com/sasharomaryparenting/

Book a Free 30-min Parenting Call: https://www.sasharomary.com/parent-coaching

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Click here to subscribe to our newsletter

Find your cross-border expert on the Passport To Wealth® directory

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Order "The Expat Money Playbook"

He'd spent years as a certified financial planner telling clients that the numbers matter. Then he moved his own family to Portugal, and found out the numbers were never really the hard part.

In this episode, Mark Moberg shares what happened when his wife's company relocated the family to Lisbon: the six rough months his kids went through, the guilt of leaving an aging parent behind, and the concept from his book, The Life Arbitrage, that he now believes matters more than any spreadsheet, giving yourself permission to actually go through with the move.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – Moving Abroad for a Spouse's Job: What Families Need to Know First

03:22 – Why Most Families Move Abroad Before Running the Numbers

05:42 – Giving Yourself Permission to Relocate Your Family Abroad

09:44 – How Family Reactions Impact Estate Planning and Gifting Before You Move

12:52 – When Family and Friends Disagree About Your Move Abroad (and Why That's Normal)

22:41 – How Your Identity Changes When You Move Abroad

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Mark Moberg is a certified financial planner who moved his own family from Tampa, Florida to Lisbon, Portugal for his wife's job. He now works with Americans planning their own moves and is the author of The Life Arbitrage: Permission to Have Dessert.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats looking for trusted, fiduciary support. We connect globally mobile Americans with expert, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Order Mark's Book: https://www.thelifearbitrage.com/

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Order "The Expat Money Playbook"

Find your cross-border expert on the Passport To Wealth® directory

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

Most people never ask what happens to their estate plan, their prenup, or their inheritance if they move to another country, and that assumption can cost families everything. This episode digs into exactly that gap. International tax attorney Christine Concepción joins Arielle to unpack how residency rules, inheritance tax, prenups, and trust structures behave differently once a US family crosses a border.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 - Cross-border Estate Planning: Who Needs It and Why

05:55 - US Estate Tax vs. Inheritance Tax Abroad

09:30 - How an Unplanned Inheritance Becomes Taxable in the US

12:38 - Why Your Prenup Might Not Hold Up After Moving Abroad

18:09 - Dividing Foreign Company Shares in a Divorce Settlement

26:20 - Why US Trust Structures Often Fail Once You Move Abroad

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Christine Concepción is an international tax attorney whose practice covers cross-border tax planning, estate planning, pre-immigration planning, expatriation, FBAR compliance, and tax controversy for individuals, families, and closely held businesses.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH®

──────────────────────────────────────────

Passport To Wealth® is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Connect with Christine on LinkedIn: https://www.linkedin.com/in/christineaconcepcion

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

Click here to subscribe to our newsletter

A safety incident at her kids' school was the last straw. Within months, one family had traded the US for Medellín, Colombia, and started building a life around a completely different set of values.

Alyssa Bolaños grew up between cultures long before she ever considered leaving the US permanently. In this episode, she shares how she and her husband decided where to raise their two boys, why they picked Medellín specifically, what surprised them about safety once they arrived, and how they built their residency status around their children rather than a spousal visa.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – Raising Global Kids: How Expat Families Choose Where Home Is

04:36 – The Safety Incident That Pushed One Family to Leave the US

09:33 – How to Choose a Walkable City with Easy Access to Nature

14:28 – What Daily Life and Safety Actually Look Like in Colombia

20:33 – How to Get Residency in Colombia Through Your Children

23:07 – Healthcare Costs After Leaving the US Healthcare System

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Alyssa Bolaños is the bilingual Latina creator behind Casa Belanos. She moved with her husband and two young boys from the US to Colombia, by way of a three-month world-schooling program in Uruguay, and shares the realities of raising global, bilingual kids online.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH™

──────────────────────────────────────────

Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Follow Alyssa on Instagram: https://www.instagram.com/casabolanos/

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Find your cross-border expert on the Passport To Wealth® directory

Click here to subscribe to our newsletter

A Trump Account, officially called a 530A account, is a new federal retirement account for children, funded by a $1,000 seed deposit for every eligible US citizen baby born between January 1, 2025 and December 31, 2028. For US expat families, the eligibility rules and account-opening process raise questions the law doesn't answer yet.

Cross-border tax advisor Christie DuChateau, EA, of BNC Tax joins host Arielle Tucker, CFP®, EA to break down who actually qualifies for the $1,000 seed deposit, what it takes to open and fund one from outside the US, and where the process breaks down for parents with a foreign address or a child without a US Social Security number.

Christie and Arielle also compare notes from opening their own accounts, one through the Trump Account app and one through the web at trumpaccounts.gov, with different results for foreign addresses and phone verification. They cover how a Trump Account stacks up against a 529 plan, a UTMA, and a kids' Roth IRA, and explain why it may be one of the only ways for a US citizen child living in Europe to legally hold a US ETF.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – What Is a Trump Account and Who Is It For?

02:31 – Who Qualifies for the $1,000 Trump Account Seed Deposit

05:16 – How to Open a Trump Account from Outside the US

16:07 – Funding a Trump Account Without a US Bank Account

20:12 – Trump Account vs. 529, Roth IRA, and UTMA: What's the Difference

25:09 – How a Trump Account Lets US Citizen Children Abroad Buy US ETFs

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Christie DuChateau is a tax advisor with BNC Tax, based in the Netherlands, working with US expat families on cross-border tax planning.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner with Connected Financial Planning, based in Switzerland, helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify; it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH™

──────────────────────────────────────────

Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with fiduciary, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

Follow Christie on Instagram: https://www.instagram.com/christietalkstax/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.

Mentioned in this episode:

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Order "The Expat Money Playbook"

Find your cross-border expert on the Passport To Wealth® directory

Click here to subscribe to our newsletter

Can you keep buying US ETFs after you move to Europe? Austin Davidson found out the answer is more complicated than it should be.

Most Americans moving to Europe don't realize that a regulation called MiFID II can quietly cut off direct access to the ETFs they've always used. In this episode, Austin Davidson, an American investor living in Germany, shares exactly what happened when his brokerage account stopped working the way he expected, and Blair Hoover, founder of Choose Your Own Finance, breaks down why the restriction exists, who it actually targets, and what Austin did to start investing again.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – Why Americans Abroad Lose Access to US ETFs

05:48 – MiFID II and the Professional Investor Exemption Explained

09:33 – Investing Options for Americans Blocked From US ETFs

15:01 – How to Learn Options Trading for Cross-Border Investors

19:18 – The Legal Way to Acquire US ETFs Using Cash-Secured Puts

26:01 – Rebuilding a US ETF Portfolio After Losing Direct Access

──────────────────────────────────────────

ABOUT THE GUESTS

──────────────────────────────────────────

Austin Davidson is an American living in Germany who lost direct access to US ETFs when MiFID II came into force in 2019. He spent years exploring workarounds before learning to use options strategies to legally acquire US ETF shares again.

Blair Hoover is a financial independence coach and founder of Choose Your Own Finance, where she helps clients navigate the practical realities of cross-border investing and personal finance.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH™

──────────────────────────────────────────

Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

──────────────────────────────────────────

RESOURCES MENTIONED

Options Education: https://www.optionseducation.org/strategies/acquire-stock

SMB Capital's Channel: https://www.youtube.com/watch?v=Kg0ts5NGr0o&t=207s

──────────────────────────────────────────

STAY CONNECTED

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions. Arielle Tucker, CFP® operates as a fiduciary in accordance with applicable professional regulations.

Mentioned in this episode:

Click here to subscribe to our newsletter

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Find your cross-border expert on the Passport To Wealth® directory

Can ChatGPT replace a cross-border financial advisor? Aditi Kapadia, CFA, CFP® says not yet.

Most people using AI for a cross-border move are getting confident, plausible answers to the wrong questions. In this episode, Aditi Kapadia, a cross-border financial planner serving US-Canada families and one of the most AI-forward advisors in the industry, joins host Arielle Tucker, CFP®, EA to break down how AI is changing financial planning, where it's dangerously incomplete, and how to use it well before you ever book a call with an advisor.

──────────────────────────────────────────

CHAPTER TIMESTAMPS

──────────────────────────────────────────

00:00 – Introduction: Aditi Kapadia, CFA, CFP®, founder of WealthIQ

01:08 – From robo-advisors to cross-border planning

03:36 – Why clients now show up with "I asked ChatGPT" already in hand

04:48 – ChatGPT connecting directly to bank accounts

05:57 – How accurate is AI really — and why the question matters more than the answer

08:29 – Cross-border planning as a series of "ginormous decisions" AI can't prioritize

12:32 – Compliance, client data, and moving carefully on AI

16:30 – The hidden cost of DIY cross-border tax planning

17:38 – How to use ChatGPT to prepare for your first advisor meeting

20:07 – "Is my situation complex enough for cross-border planning?"

22:20 – Why the most "optimal" AI answer isn't always the right one for you

26:06 – The one thing AI can't give you: accountability

──────────────────────────────────────────

ABOUT THE GUEST

──────────────────────────────────────────

Aditi Kapadia, CFA, CFP® is the founder of WealthIQ, where she serves US-Canada cross-border families. A Canadian living in the US, she previously built a robo-advisory investment product and is known as one of the most AI-forward voices in cross-border financial planning today.

──────────────────────────────────────────

ABOUT YOUR HOST

──────────────────────────────────────────

Arielle Tucker, CFP® & IRS Enrolled Agent, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

──────────────────────────────────────────

LOVE THIS EPISODE?

──────────────────────────────────────────

Follow the show and leave a rating on Apple Podcasts or Spotify, it's the single biggest thing you can do to help other cross-border families find this show.

──────────────────────────────────────────

ABOUT PASSPORT TO WEALTH™

──────────────────────────────────────────

Passport To Wealth™ is the platform for current and aspiring US expats. We connect globally mobile Americans with vetted, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

STAY CONNECTED

Website: https://www.passporttowealth.com/

Instagram: https://www.instagram.com/passporttowealthofficial/

LinkedIn: https://www.linkedin.com/company/passport-to-wealth/

──────────────────────────────────────────

This episode is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions. Arielle Tucker, CFP® operates as a fiduciary in accordance with applicable professional regulations.

Mentioned in this episode:

Find your cross-border expert on the Passport To Wealth® directory

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Click here to subscribe to our newsletter

Season 4 of Passport To Wealth™ is here, and it's picking up right where the conversation matters most: what actually happens to your money, your family, and your identity once your life crosses a border.

Host Arielle Tucker, CFP®, EA is a certified financial planner, IRS enrolled agent, and fellow US expat living in Switzerland. In this short kickoff episode, she previews everything coming this season.

What's ahead in Season 4:

• US Social Security for expats: what you need to know before and after you leave
• Currency exchange and currency risk for globally mobile families
• The promise and the limits of AI when it comes to answering complex cross-border tax, legal, and immigration questions
• Cross-border planning in Singapore
• Building a family life in Colombia
• Caring for aging parents who live on a different continent
• Practical tax and financial planning guidance for anyone who is already abroad, planning a move, or just trying to understand what life outside the US could look like

This season also marks a major milestone. Arielle's new book, The Expat Money Playbook, is now available for pre-order through Wiley. It's a practical roadmap for Americans navigating the financial, tax, and lifestyle decisions that come with moving abroad, full of checklists and frameworks to make the process less overwhelming.

The goal of Passport To Wealth™ has never been just to help you move abroad. It's to help you build wealth and a life that actually aligns with your values, wherever in the world that life happens to be.

Whether you're dreaming about leaving, already living overseas, raising a family abroad, planning for retirement, or just trying to make sense of the cross-border rules that follow Americans everywhere, this season is for you.

Subscribe to Passport to Wealth wherever you listen to podcasts.

Watch the full video conversations on YouTube.

Pre-order The Expat Money Playbook at passporttowealth.com.

Mentioned in this episode:

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Carl Richards is a certified financial planner, the New York TimesSketch Guy, and the author of Your Money: Reimagining Wealth in 101 Simple Sketches. He moved from Utah to New Zealand with his family in a matter of weeks. His wife bought plane tickets ten days after hearing about a friend's available house. Ninety days later, they had moved.

This episode covers:

• How Carl became the New York Times sketch guy (a desperate drawing on a whiteboard)
• Why showing up and being consistent matters more
• How Carl's wife pulled the rescue cord and moved the family to New Zealand
• The detox from US money and work culture that Carl did not see coming
• Moving teenagers abroad during a senior year of high school
• Why New Zealanders ask about holidays and weekends, not jobs
• The French cafe lesson: you think this is about money. It is about food.
• The worry list: a blank page. Nothing is helped by worrying.
• The cognitive load of a simple grocery store in a new country
• Carl's daughter's advice: you thought you were going to have an adventure without it being hard
• Why Carl would spend his savings again without thinking twice

Carl and host Arielle Tucker, CFP®, EA discuss why most of what we worry about never happens and why moving abroad does not require a perfect plan.

Resources

• Read Carl's latest book Your Money: Reimagining Wealth in 101 Simple Sketches
• Subscribe to the Passport to Wealth newsletter: https://passporttowealth.com/contact
• Find a vetted cross-border advisor: https://passporttowealth.com/directory
• Are you a qualified professional serving US expats? Apply to https://passporttowealth.com/join

Mentioned in this episode:

Order "The Expat Money Playbook"

Passport to Wealth is a proud member of the SwissCast Network

Discover more podcasts for English-speaking Switzerland

SwissCast Network

Find your cross-border expert on the Passport To Wealth® directory

Stay up to date on what's happening globally....

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