We help US citizens living abroad address cross-border financial planning challenges, from navigating international tax obligations to managing investment strategies that work effectively across different jurisdictions.
Navigating financial planning as a US citizen living abroad involves specific considerations and knowledge. Whether you’re planning for retirement overseas or adapting your financial strategy to your international lifestyle, thoughtful guidance helps maximize financial opportunities while maintaining security across borders.
Our integrated wealth management process is based on our experience in navigating both local and international financial landscapes. With our deep investment management, estate planning, and tax strategy knowledge, we provide an encompassing suite of services to meet the lifetime planning needs of individuals and families in both the US and Israel. For select clients, our family office approach allows us to provide integrated services to meet more complex financial needs.
If you are interested in exploring a relationship with Equilibrium Wealth, we offer a complimentary Initial Consultation with one of our experienced and credentialed professionals. During our initial meeting, we’ll explore your current financial life and your vision for the future. We’ll come away with an understanding of whether we can work together to support your unique financial planning needs.
As we work on your financial plan, we will consider the opportunities (and weaknesses) in your current approach to wealth management and strategize to find the best ways to align and optimize your resources to support your goals. In developing your financial plan, we typically meet with clients through a series of meetings. Once your financial plan is completed, we will schedule a meeting to review investment strategy options.
We will meet with you periodically to review the status of your financial plan to help make sure that your financial strategy stays aligned with your evolving goals and life circumstances. Changes in income, market conditions, or personal lifestyle can all impact your financial outlook. Our progress meetings also provide an opportunity to address any concerns and help you take advantage of new opportunities to grow and protect your wealth.
The US tax system presents specific compliance and tax challenges that impact wealth management decisions for Americans living abroad. At Equilibrium Wealth, we design investment strategies that align with both US and local tax jurisdictions, helping you avoid unnecessary tax exposure while maximizing growth opportunities. This includes selecting tax-efficient investment vehicles and incorporating tax treaties to reduce double taxation concerns.
Currency risks are a key consideration for US expats, as fluctuations between the US dollar and local currencies can impact investment returns, purchasing power, and tax liabilities. We help implement currency management strategies and offer multi-currency portfolios to minimize risk and maintain financial stability.
Retirement planning for US citizens abroad needs to account for differences in pension taxation, Social Security eligibility, and the impact of currency fluctuations on future income. Estate planning also requires careful attention, as US citizens remain subject to US estate and gift tax laws regardless of residence, requiring a well-structured approach to inheritance and wealth transfer. We help clients achieve financial clarity while navigating the complexities of living in multiple jurisdictions.
Making Aliyah has significant financial planning implications for US expats. Careful financial planning is essential to navigate the complexities of relocating to Israel, requiring coordination of tax, investment, and estate planning strategies.
One of the primary considerations is Israel’s 10-year tax exemption on foreign-sourced passive income, which provides a unique opportunity for tax-efficient wealth management—but also requires strategic planning to optimize long-term benefits. US citizens making Aliyah must remain compliant with US tax obligations, including ongoing reporting of worldwide income, potential exposure to the Net Investment Income Tax (NIIT), and PFIC (Passive Foreign Investment Company) rules, which can create unexpected tax liabilities on Israeli investments.
Client Profile:
Challenges:Â Daniel and Leah face significant financial complexities in their planned move to Israel, including transferring retirement accounts, managing dual tax obligations, addressing currency exchange risks, and navigating foreign asset reporting requirements. They need comprehensive guidance on restructuring their investments, understanding tax treaties, and developing compliant estate planning strategies for two different legal systems.
How we helped:Â We created a tailored cross-border retirement strategy by…
Results: Daniel and Leah now have a clear understanding of how their retirement will unfold in Israel, with strategic plans for each financial aspect of their transition. Their customized roadmap addresses both immediate relocation concerns and long-term wealth preservation goals.
The Abrams will be making Aliyah in the next several years, secure in the knowledge that they’ve made a well-informed decision with a trusted partner guiding their international financial journey.
45 Rockefeller Plaza
20th floor
New York, NY 10111
Jaffa Street 153/90
Jerusalem, Israel,
9434247
After submitting this form, we’ll schedule an introductory call to understand your unique financial situation and goals. In this conversation, we’ll listen to your needs and concerns while introducing Equilibrium Wealth’s tailored approach to cross-border financial planning. Together, we’ll explore how our partnership can bring balance and strategy to your financial journey.