Financial planning across borders
Bring cash flow, investments, protection, retirement, and family goals into one coordinated financial picture.
MRA Advisory Group
Financial clarity for Americans living abroad.
Bring your U.S. investments, long-term goals, and life abroad into one connected financial plan.
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Local perspective
Connected planning, wherever you call home.
Local perspective, connected planning
There is more to consider when your life crosses borders.
Americans living abroad often have financial decisions that do not fit neatly inside one country, one account, or one professional relationship. MRA helps connect the moving parts so your choices support the same goals.
For clients in Brazil, our team brings local expertise, including an international wealth advisor who lives in São Paulo and has experience in the Brazilian investment market.
Explore Financial Advisor for ExpatsHow MRA can help
Advice built around your full financial life.
U.S. investment management
Build and manage a portfolio around your objectives, risk profile, time horizon, and life abroad.
Tax-aware planning
Make financial decisions with an understanding of how U.S. and local-country considerations can affect the bigger picture.
Protection and estate coordination
Review the coverage, beneficiaries, and legacy decisions that help protect the people and priorities you care about.
A better starting point
Answers that begin with your real life.
How should I manage U.S. investments while living abroad?
Your portfolio should be connected to the currency, cash-flow, tax, and long-term decisions that shape your life abroad, not managed as a separate account.
Can MRA help me coordinate decisions across countries?
Yes. MRA brings your financial decisions into one planning conversation and can work alongside the professionals you rely on for legal and tax matters, wherever you live.
Why does local expertise matter?
The practical realities of living in another country affect timing, transfers, family decisions, and the questions worth asking. Local perspective makes those conversations more useful from the start.
The Biggest Financial Mistakes Americans Make Moving Abroad
The costly mistakes are usually not one dramatic decision. They are a series of uncoordinated choices around taxes, account access, insurance, property, currency, estate documents, and retirement income. A connected plan helps identify those blind spots before they become expensive.
Living Abroad? Here’s What Happens to Your IRA?
Your IRA remains a U.S. retirement account, but withdrawals, required distributions, and local tax treatment deserve careful coordination. Traditional IRA distributions are generally taxable in the United States, while Roth treatment depends on whether a distribution is qualified.
Social Security While Living Abroad
Eligible U.S. citizens can generally receive Social Security payments while living in many countries abroad. Before moving, confirm your payment setup, reporting responsibilities, and how benefits fit into your U.S. and local tax picture.
Medicare and Healthcare Abroad
Original Medicare generally does not cover routine care outside the United States. Review your enrollment choices, private health coverage, and the costs you would face abroad before relying on Medicare as part of your healthcare plan.
U.S. Taxes for Americans Living Abroad
Living abroad does not end your U.S. filing responsibilities. Americans generally report worldwide income, and options such as the foreign earned income exclusion or foreign tax credit may help in the right circumstances.
Should Americans Buy Property Abroad?
Property can support a lifestyle plan, but it should be evaluated alongside cash flow, local taxes, title and legal diligence, currency exposure, financing, and the effect on your estate plan.
Investing While Living Overseas
Investment decisions should account for where you spend, the currencies you use, tax reporting, account access, and the time horizon for each goal. A portfolio built for life in the United States may need a closer look once your day-to-day life is abroad.
Estate Planning for Cross-Border Families
A cross-border family needs estate documents, beneficiary designations, account titling, and local legal guidance that work together. Coordinating those pieces can help avoid confusion for the people you leave behind.
How Currency Exchange Can Destroy Retirement Income
When your spending is in a local currency and much of your wealth is in U.S. dollars, exchange-rate swings can change how far a fixed withdrawal goes. A retirement-income plan should consider currency exposure, spending flexibility, and a cash reserve for near-term needs.
Returning to the U.S. After Years Abroad
A move back can affect taxes, health coverage, banking, benefits, investments, housing, and the timing of major withdrawals. Planning before the move gives you more control over the transition.
A practical planning resource
The Essential Financial Guide for Americans Living Abroad
Get a clear overview of the decisions that deserve attention when your financial life spans two countries.
- Taxes and investments
- Social Security and banking
- Currency and estate planning
- Retirement and healthcare
Free download
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Make your next financial decision a connected one.
Meet with an advisor who understands the questions Americans living abroad need to ask.
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