Personal Financial Strategy for NRIs in the USA!
For many professionals, an employer sponsored retirement plan such as a 401(k) or 403(b) is one of the biggest financial advantages of working in the United States. The company match alone is essentially free money for your future. But when you leave a job and move to a new role or new direction in life […]
Healthcare planning is a critical pillar of retirement strategy. At age 65, Medicare becomes the primary coverage option for most retirees. Understanding how it works, when to enroll, and how to coordinate it with your broader financial plan—including Social Security, Roth conversions, and withdrawal sequencing—can help you avoid costly missteps and protect long-term financial stability. […]
Social Security is a foundational piece of retirement income planning. When you claim it—whether early, on time, or later—can significantly impact your lifetime benefits, tax exposure, Medicare premiums, spousal benefits, and how well it integrates with Roth conversions and your retirement income ladder. For globally minded professionals, especially those with ties to India, timing decisions […]
For NRIs living in the United States, retirement planning isn’t just about saving, it’s about controlling how and when income is taxed. Roth conversions and withdrawal sequencing are two advanced strategies that help reduce lifetime tax liability, preserve Medicare and Social Security benefits, and create flexibility across borders. What Is a Roth Conversion? A Roth […]
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 […]