Living Internationally - Your Investment Accounts

For Americans planning to retire or live abroad, managing investment and bank accounts requires thoughtful preparation. Due to regulations like FATCA and the Patriot Act, many U.S. banks and investment firms are limiting services for clients who reside overseas. Establishing and maintaining U.S. accounts before moving is essential, particularly with institutions known to support American expats such as Charles Schwab, TIAA, or Fidelity. You’ll also need a local account for day-to-day expenses, ideally opened with a larger or international bank that can meet compliance standards.

Beyond compliance, managing currency exchange efficiently and maintaining cash reserves in your local currency can help stabilize your finances and reduce costs over time. With the right strategy and guidance, you can protect your wealth and simplify your financial life abroad.

Download our guide Living Internationally: Your Investment Accounts to learn how to establish and maintain financial accounts with confidence while living abroad.