Passport To Wealth™

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Whether you're a U.S. expat, a digital nomad, or someone with ties to the US looking to explore opportunities abroad, join us on Passport to Wealth™. Here we dive into the nuances of cross-border living as a US citizen living abroad. We'll be delving into essential topics such as managing your money while living abroad, staying compliant with US tax regulations, and uncovering stories of fellow expats who have forged the path to financial freedom while living abroad.  So, grab your passport and join us on this journey!

  1. 5D AGO

    Americans Moving to Canada in 2026: Taxes, Healthcare and Money

    US retirement accounts, estate plans, and investment structures do not automatically survive a move to Canada. The two countries share a border and a language but operate under entirely separate financial and tax systems; and the decisions made before you leave determine whether your existing structures are protected or become expensive problems. In this episode, Arielle Tucker, CFP®, EA sits down with Brian Wruk, MBA, CFP® (US), CFP® (Canada), TEP, CIM, RFP®, founder of Transition Financial Advisors Group and author of The American in Canada. Brian is a dual citizen who moved his American wife to Canada, navigated the compliance requirements firsthand, and has been doing US-Canada cross-border planning since 1997. Topics covered, include: Why moving to Canada does not end your US tax obligationsThe Roth IRA rules that can protect your retirement savings across the borderThe TFSA trap that creates phantom US taxable incomeHow revocable living trusts can trigger Canadian taxesWhat Canadian healthcare actually looks like in 2026, including 3-year waits for a primary care physician in OntarioHow to plan for retirement across two countriesThe one thing Brian tells every client before they board the plane The conversation covers the Roth conversion window that closes the moment Canadian residency begins, why TFSAs generate phantom US taxable income that foreign tax credits cannot offset, how revocable living trusts can trigger punitive Canadian taxation, and what Canadian healthcare actually delivers in 2026; including current wait times for primary care and what private options are beginning to emerge. Resources Connect with Brian Wruk at Transition Financial Advisors Group: passporttowealth.com/brian-wrukAre you a qualified professional serving US expats in France or Europe? Apply to passporttowealth.com/joinSubscribe to the Passport to Wealth newsletter: passporttowealth.com/contactFind a vetted cross-border advisor: passporttowealth.com/directory Mentioned in this episode: Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network www.passporttowealth.com www.passporttowealth.com

    30 min

  2. APR 14

    Cross-Border Investing: What Changes When US Expats Move Abroad

    US investment accounts do not automatically follow a move abroad. Custodians have their own policies for international clients, and many of them are more restrictive than most people expect. In this episode, Arielle Tucker, CFP®, EA sits down with Otto Rivera, EA, CFP®, founder of Mindful Wealth Planning and Emergent Tax Services. Otto spent years at Charles Schwab before becoming both an IRS Enrolled Agent and a CFP®, a combination that gives him a working view of custodial policy, tax law, and financial planning that most cross-border advisors cannot offer from a single seat. Topics covered, include: What actually changes for US investment accounts when moving abroad: custodian policies, mutual fund restrictions, and why ETF access may require an advisorFinancial accounts, custodians, and how to check for international coverage before a moveMulti-custodian access, the Schwab Italy exit, and finding advisors who can hold and invest in foreign currencyEmerging wealth vs. complex strategy: when adding layers makes sense and when it doesn'tWhy US persons should keep account records and foreign address information currentCross-border tax compliance: why withholding rules, PFICs, Roth conversions, IRA distributions, and ETF restrictions require specialized planning for US expatsWhy working with a domestic US advisor after moving abroad can create problems at tax timeCross-border divorce, ERISA retirement plans, and why a foreign decree is not enough Resources Find a vetted cross-border financial advisor or tax professional at passporttowealth.com/directoryAre you a qualified professional serving US expats in France or Europe? Apply to passporttowealth.com/join Mentioned in this episode: www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network www.passporttowealth.com www.passporttowealth.com

    35 min

  3. APR 7

    US Expats in France: Real Life After 8 Years and What to Expect

    Jessica Govern and Claire Naughton have both lived in Strasbourg, France for eight years. Both are originally from the Chicago area. Both moved abroad in their early twenties with no financial plan, no visa strategy, and no idea they were staying. This episode is their honest accounting of what that actually cost them, and what they got right. Govern produces the Passport to Wealth podcast and runs a social media management business in France. Naughton works as a fractional CMO and marketing strategist. Together they cover the financial, professional, and personal realities of long-term expat life in France that structured expert interviews rarely reach. Resources Find a vetted cross-border financial advisor or tax professional at the Passport to Wealth Directory Are you a qualified professional serving US expats in France or Europe? Apply to join the directory Mentioned in this episode: www.passporttowealth.com www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network

    32 min

  4. MAR 31

    Moving to Germany: Expat Taxes, Visas, and Money Tips

    Thinking about moving to Germany? In this episode of Passport to Wealth™, Arielle Tucker, CFP®, EA, sits down with fellow cross-border financial planner Jordan Vlastuin, CFP®, to unpack what Americans really need to know before relocating. From choosing the right visa to understanding German tax treaties, federal pensions, and the realities of setting up life abroad, this conversation is packed with insights for expats and future movers alike. Arielle and Jordan discuss the nuances of tax residency, planning before you move, currency risk, and how local advisors can make, or break, your financial plan overseas. Whether you’re living in Germany or just dreaming about it, you’ll walk away with actionable steps to make your transition smoother and your finances stronger. Passport to Wealth™ connects Americans living abroad with trusted cross-border financial experts. Visit passporttowealth.com to find vetted advisors, expat resources, and expert interviews. Mentioned in this episode: www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network

    28 min

  5. MAR 24

    Retiring Abroad: Hidden Tax and Currency Risks for Americans

    Retiring abroad sounds like the dream. For Americans, the financial reality is far more complex.In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA, is joined by Ramin Olson, founder of Nomad Financial and a cross border expert specializing in helping US citizens retire overseas. Drawing from his global career and personal experience living across Europe, Ramin breaks down the hidden financial risks that many Americans overlook when planning a life abroad. From unexpected tax exposure to currency risk that can quietly impact your purchasing power, this conversation highlights what you need to know before making a move. Whether you are actively planning your retirement abroad or just exploring the idea, this episode will help you understand what is at stake and how to plan with clarity and confidence. We cover: Why your US investment strategy may not work overseasHow currency fluctuations impact your real purchasing powerThe tax traps many expats miss, including inheritance taxWhat changes when you become a tax resident abroadHow to structure your finances before relocating Mentioned in this episode: Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network www.passporttowealth.com

    29 min

  6. MAR 17

    How Americans Can Move to Spain: Visas, Taxes, and Planning

    Spain has become one of the most popular destinations for Americans looking to live abroad. But moving to Spain involves much more than choosing a city and applying for a visa. In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA, speaks with Carlos Lorenzo, J.D., LL.M., a Spain-based immigration and tax lawyer and founder of American Legal Spain. Carlos works closely with Americans planning a move to Spain, helping them navigate immigration law, tax planning, and long-term residency strategies. They discuss the most common visa pathways for Americans, how Spain’s tax system differs from the US, and why pre-planning is essential before relocating. Carlos also explains why many US business structures, such as LLCs and S corporations, may not work the same way in Spain and how digital nomads, retirees, and remote workers should think about structuring their move. If you are considering relocating to Spain, this episode highlights the legal and tax considerations you need to understand before making the move. In this episode you will learn: The most common visa options for Americans moving to SpainHow Spain’s tax system differs from the USWhy LLCs and common US business structures can create tax issues abroadWhat digital nomads and remote workers should know before relocatingHow Spanish regions compete to attract residents through tax incentivesWhy pre-immigration tax planning is critical for US expats Mentioned in this episode: www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network

    31 min

  7. MAR 10

    Wealth Taxes in the Netherlands: What US Expats Need to Know

    The Netherlands has long been one of the most attractive destinations for US expats in Europe. But recent and proposed tax changes could significantly impact how Americans living there build and protect wealth. In this episode of Passport To Wealth™, Arielle Tucker, CFP®, EA is joined by Kaitlin Krozel, CPA, founder of Krozel Capital, a firm specializing in tax and financial planning for US expats and globally mobile families. Together they unpack the Dutch tax system, including the controversial Box 3 wealth tax and proposed reforms that could tax unrealized investment gains. Kaitlin explains how the Netherlands’ approach differs from the US tax system and why Americans may face unexpected tax consequences on brokerage accounts, Roth IRAs, and even college savings plans. They also discuss the famous 30% ruling, recent policy changes affecting expats, and why pre-immigration tax planning has become more important than ever. If you are considering a move to the Netherlands or already living there, this conversation will help you understand the evolving tax landscape and how to prepare. In this episode, you will learn: How the Netherlands’ Box 3 wealth tax worksWhy unrealized investment gains may be taxedHow Dutch tax rules treat US retirement accountsWhy Roth IRAs and 529 plans may create unexpected issuesHow the 30% ruling has changed for expatsWhy tax planning before moving abroad is critical Mentioned in this episode: www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network

    27 min

  8. MAR 3

    Understanding US and Canadian Financial Planning: A Comprehensive Guide

    Navigating life and finances across the US.–Canada border can feel overwhelming especially when taxes, investments, citizenship, and estate planning collide. In this episode of Passport To Wealth™, host Arielle Tucker, CFP®, EA sits down with Lucas Wennersten, CFA, CFP® (Canada), CFP® (USA), founder of 49th Parallel Wealth Management, to unpack the real-world complexities of cross-border financial planning between the United States and Canada. Lucas shares his personal journey into cross-border planning, explains the key differences between the US. and Canadian tax systems, and highlights the most common (and costly) mistakes expats and globally mobile families make. From dual citizenship and tax treaties to deemed disposition taxes, estate planning pitfalls, healthcare costs, and retirement planning across borders. This episode is packed with practical insights for US. expats, Canadian snowbirds, dual citizens, and anyone considering a move across the border Takeaways: In this episode, we discussed the complexities of cross-border financial planning, particularly between the United States and Canada.Lucas Vennersen emphasized the importance of understanding tax treaties, which can significantly impact clients' financial decisions.We highlighted that moving from Canada to the U.S. introduces deemed disposition taxes, affecting the taxation of assets.The podcast explored how dual citizenship can influence taxation and financial planning strategies for families and individuals.A critical takeaway was the necessity of advanced planning for those transitioning between countries, especially regarding tax implications.Finally, we concluded that consulting with experienced financial professionals can prevent costly mistakes in cross-border financial matters. If your life, family, or money touches more than one country, this conversation is essential listening. Mentioned in this episode: www.passporttowealth.com Passport to Wealth is a proud member of the SwissCast Network Discover more podcasts for English-speaking Switzerland SwissCast Network

    30 min
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About

Whether you're a U.S. expat, a digital nomad, or someone with ties to the US looking to explore opportunities abroad, join us on Passport to Wealth™. Here we dive into the nuances of cross-border living as a US citizen living abroad. We'll be delving into essential topics such as managing your money while living abroad, staying compliant with US tax regulations, and uncovering stories of fellow expats who have forged the path to financial freedom while living abroad.  So, grab your passport and join us on this journey!

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