The Cross-Border Family Wealth Guide

Advice on Taxes, Investing, Real Estate, and Retirement for Global Families in the U.S. and Abroad
Wiley (Verlag)
  • erschienen am 3. Januar 2017
  • |
  • 272 Seiten
E-Book | ePUB mit Adobe-DRM | Systemvoraussetzungen
978-1-119-23428-9 (ISBN)
Make sense of international personal finance with expat-specific expert advice
The Cross-Border Family Wealth Guide is the long-awaited financial handbook for cross border families, with expert insight from a financial advisor who specializes in expat issues. Whether you're an American living abroad, or foreign-born and living in the U.S., this book demystifies the complex issues surrounding the worldwide tax system, international information reporting, sensible investments, international real estate, and retirement planning. When your wealth crosses international borders, managing even the most mundane financial affairs can become wrought with time-consuming complexity; moving money, opening accounts, dealing with currency risks and translation, and setting up investments suddenly involves a whole new set of rules and regulations. Your 401(k), IRA, or annuity must be handled properly to retain certain tax benefits, and retirement planning takes on a brand new dimension of difficulty. This book shows you how to navigate the maze to make sure your money keeps working for you. Real world examples illustrate solutions to common problems, and real, actionable advice gives you a solid plan for your next steps.
While personal finance management is rarely simple, the recent crackdown on tax havens and increased tax collection vigilance has made things even more difficult for cross border families. This book answers your questions, and shines a light on the way forward to long-term financial security for international families.
* Navigate the complexities of international taxation
* Get specific guidance on retirement planning
* Make sense of how real estate fits into your financial picture
* Invest appropriately to maximize growth for the future
* Manage your assets and tax benefits across borders
With the right know-how, cross border professionals can make sensible investment and financial planning decisions, but credible guidance is rare and difficult to find. Simple and practical, with targeted advice, The Cross-Border Family Wealth Guide is the international family's solution for avoiding financial confusion.
weitere Ausgaben werden ermittelt
ANDREW FISHER is widely regarded as a leading wealth advisor to cross-border families. He frequently writes and speaks to the unique financial planning and investment complexities faced by international families, particularly when an individual is a tax resident of the United States. Andrew holds the CFA and CPA designations, and serves as president and founder of Worldview Wealth Advisors, an independent wealth management firm focused on financial planning and investment advice for cross-border families.
  • Intro
  • Title Page
  • Copyright
  • Table of Contents
  • Dedication
  • Foreword
  • Preface
  • Our Firm: Worldview Wealth Advisors
  • Worldview's Founder, Andrew Fisher: A Personal Pledge
  • Acknowledgments
  • About the Author
  • Part I: The Financial Challenges of a Cross-Border Life
  • Chapter 1: Who Are These Cross-Border Families?
  • The Growing Need for a Definitive Guide
  • Who's Who: Who This Book Is Meant to Serve
  • Diagramming a Cross-Border Person: Residency and U.S. Income Tax Status
  • How Many Cross-Border Professionals and Families Are There?
  • Chapter 2: Unique Challenges and the Regulatory Landscape
  • The Unequal Nature of Tax Regimes and Reach
  • The Unique Worldwide Reach of the U.S. Tax System
  • A Changing Legal, Financial, and Regulatory Landscape
  • Part II: Saving and Investing: Building Your Personal Net Worth
  • Chapter 3: Building a Strong Foundation
  • Retirement Destination Unknown: Invest Globally
  • Wealth Creation and Accumulation
  • Diversification: Protecting and Growing Wealth
  • Allocating Your Net Worth: A Balance Sheet Approach
  • Cash and Cash Equivalents
  • Personal Residences
  • Income Property
  • Publicly Traded Securities: Stocks and Bonds
  • Concentrated Business Ownership
  • Personal Debt
  • Collectibles and Other Hard Assets
  • Other Private Investment Vehicles
  • Conclusion
  • Chapter 4: Investing in the Markets: Stocks and Bonds
  • Three Important Attributes
  • Stocks and Bonds Work Better Together
  • Managing Emotions While Focusing on the Long Term
  • Stock Picking-Maybe Not
  • Investment Advice to Live By
  • Determining Investment Goals and Objectives
  • Four Common Investor Objectives Defined
  • Fundamental Investment Guidelines
  • A Jurisdictional Review: Where to Hold Investments?
  • Problems with Maintaining Accounts in the United States
  • The Best Choice for Many People
  • Part III: 401(k)s, IRAs, and Other Pensions and Savings Plans
  • Chapter 5: A Global Approach to 401(k)s and IRAs
  • Investing Your Serious Money
  • 401(k) Plan Basics
  • Key Benefits of 401(k) Plans
  • Global Investing for a Global Retirement
  • 401(k) Plans Lack a Global Perspective
  • Target Date Funds: A Lot to Like and Dislike
  • IRA Rollovers
  • IRAs Offer Distinct Advantages
  • Owning Real Estate Within an IRA
  • Leave It Alone and Let It Grow
  • Chapter 6: Unique Cross-Border 401(k) Issues
  • A Lack of International Tax Agreement
  • Do the Benefits of a 401(k) Follow You?
  • How Are Distributions Taxed?
  • Contributions to IRA Accounts While Living Abroad-Be Careful
  • Chapter 7: Foreign Retirement Plans, Pensions, and Other Savings Accounts
  • Foreign Retirement Plans
  • Roth IRAs and Roth 401(k)s
  • Traditional Pension Income
  • Educational Savings: 529 Plans
  • Finding Good Advice Is a Challenge
  • Part IV: Real Estate
  • Chapter 8: Renting, Owning, and Investing
  • Crazy for Real Estate
  • Real Estate Appreciation Likely to Slow in Future
  • Primary Residences and Vacation Homes
  • Real Estate as an Investment
  • To Rent Out or Sell a Former Home
  • Chapter 9: Real Estate Taxation and Other Considerations
  • Basic Tax Treatment of Real Estate
  • Foreign Properties Often Not Reported to the IRS
  • Owning Property Inside of an IRA
  • Other Cross-Border Considerations
  • Part V: Cross-Border Taxation
  • Chapter 10: Understanding the Three Types of Cross-Border Families
  • The Unique Complexities of Cross-Border Taxation
  • Tax Profiles: Three Types of Cross-Border Families
  • Becoming a U.S. Resident for Tax Purposes
  • Tax Treaty Basics
  • Chapter 11: U.S. Tax Overview: Federal and State
  • Taxing Worldwide Income: The IRS Is Different
  • State Income Taxes
  • Chapter 12: Additional Tax-Planning Considerations
  • Investing Outside of the United States-Avoiding PFIC Rules
  • Foreign Asset Reporting and Tax Evasion
  • Other Forms of Taxation in the United States
  • Prearrival Planning
  • Part VI: Retirement Planning
  • Chapter 13: Planning for a Global Retirement
  • Where to Retire? A Common Dilemma
  • Investing for Retirement
  • Having Enough Money to Retire
  • Organizing and Optimizing Worldwide Income and Assets
  • Chapter 14: Considerations for Cross-Border Retirees
  • Tax Planning for Retirement
  • Cash Management and Account Administration
  • Social Security and Foreign Government Pensions
  • Drawing on Tax-Deferred Accounts
  • Conclusion
  • An Overview of Key Points
  • Final Thoughts and Words of Encouragement
  • Index
  • End User License Agreement

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