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Personal Financial Strategy for NRIs in the USA!

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Asset Location & Withdrawal Sequencing: Strategic Tax Optimization for Retirement

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For NRIs living in the United States, retirement planning involves navigating two tax systems—India and the U.S.—while optimizing investment growth, minimizing tax liability, and preserving long-term wealth. Asset location and withdrawal sequencing are advanced strategies that help NRIs align their global portfolios with U.S. tax rules and cross-border planning goals. Asset Location: Placing Investments for […]

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Unlocking the Roth and Mega Backdoor

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Roth accounts are among the most powerful tools in retirement planning. They offer tax-free growth, tax-free withdrawals, and no required minimum distributions (RMDs) during the account holder’s lifetime. However, income limits and contribution caps can restrict access, unless you know how to navigate the backdoor and mega backdoor Roth strategies. The Strategic Value of Roth […]

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