Liberty Atlantic Advisors

28/09/2026

Social Security is just one part of the financial planning picture when you plan to retire, and it's a big one.

Adding a dash of cross-border planning can create spice levels of planning many people aren't prepared for, but this is why articles like this exist, to provide you with a baseline of foundational knowledge so that you feel like you have some idea of the right questions to ask.

If you're an American planning to move or currently living abroad and have questions about managing your retirement income streams, feel free to reach out to our team of advisors to explore how a cross-border financial planning relationship may be able to support your long-term financial goals and wellness.

https://libertyatlantic.com/blog/social-security-living-abroad

06/07/2026

For many Americans, the Roth IRA represents a foundational component to any solid financial plan: post-tax contributions throughout your earning years will result in tax-free growth and tax-free withdrawals available to you from age 59.5. Those diligent contributions will pay off in retirement, you’re promised.

Then Europe enters the picture and presents you with a question that becomes increasingly (and alarmingly) complicated: Are Roth IRA withdrawals taxable in Europe?

The short of it is, that, with few exceptions (notably France), it doesn’t matter if you’re moving to Spain, Italy, or Portugal: your Roth IRA distributions stand to be taxed in some capacity at the local level.

But the longer, more important answer that is the purpose of this article is twofold. "The Roth IRA wrapper is generally recognized, meaning that foreign taxes tend to apply only on the distributions, not the growth or gains," explains Nicolas Castillo, Founder and CEO at Rook International CPAs and Advisors. "Additionally, how Roths are treated—and how useful they remain—depends heavily on where you live, how your broader finances are structured, and how early you plan."

Read more in the full article, "What Happens to Your roth IRA If You Retire to Europe?"

We provide cross-border financial planning and wealth management services for Americans living in Europe, focusing on France, Italy, Spain, Portugal, and Malta. Connect with a U.S. expat financial advisor today.

03/07/2026

Next week! Come by and ask questions about U.S. tax and financial planning -- coffee or tea on us!

Free consultations for Americans in Málaga to discuss US tax and cross-border financial planning matters.

24/03/2025

Join us for "Americans in Porto: Financial Planning, Real Estate & US Tax Consultations" - an opportunity to meet one-on-one with experts who specialize in relocating to Portugal and addressing the financial and tax needs of Americans living in Portugal.

Follow the link below for more details ⤵️

Get personalized advice on finding a home and tax and financial planning for the US and Portugal in one-on-one consultations in Porto!

07/03/2025

Join us for 1:1 Financial Consultations, a unique opportunity for Americans to walk through their vision for moving to Europe with a qualified cross-border financial professional, Alex Ingrim.

At the Intercontinental Mark Hopkins Hotel on Friday, March 14th.

Follow the link below for more details 🔽

1:1 financial consultations for Americans interested in moving to Europe at the Intercontinental Mark Hopkins Hotel on Friday, March 14th.

07/03/2025

Join us for 1:1 Financial Consultations, a unique opportunity for Americans to walk through their vision for moving to Europe with a qualified cross-border financial professional, Alex Ingrim.

At The Hive Coworking in Palm Springs, CA on Monday, March 17th.

Follow the link below for more details 🔽

1:1 financial consultations for Americans interested in moving to Europe at The Hive Coworking in Palm Springs, CA on Monday, March 17.

17/02/2025

Join us for Tax & Financial Consultations for Americans in Barcelona, a unique, low-stress opportunity to meet one-on-one with experts who specialize in addressing the financial and tax needs of Americans living in Barcelona.

Follow the link below for more details 🔽

Come for a 1:1 meeting at OneCoWork Catedral in Barcelona to chat through all of your US taxes and financial planning questions.

17/01/2025

If one of your resolutions is to be more on top of your U.S. tax and financial planning in 2025, then this free event is for you.

Join us for Tax & Financial Consultations for Americans in Florence, a unique, low-stress opportunity to meet one-on-one with experts who specialize in addressing the financial and tax needs of Americans living in Florence.

Click the link below to register and for more information ⤵️

If one of your resolutions is to be more on top of your U.S. tax and financial planning in 2025, then this free event is for you.