A simple question—can a UK pension be rolled into a US IRA or 401(k)?—opens a door to some of the most punishing rules in cross‑border retirement planning. We walk through the hard stop that HMRC’s QROPS regime creates, why no US plans qualify, and how an “unauthorized payment” can unleash a 55% UK charge that vaporizes decades of savings. Then we pressure-test the popular third‑country workaround, showing how the 25% overseas transfer charge, US income tax, and foreign trust reporting can tu...
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A simple question—can a UK pension be rolled into a US IRA or 401(k)?—opens a door to some of the most punishing rules in cross‑border retirement planning. We walk through the hard stop that HMRC’s QROPS regime creates, why no US plans qualify, and how an “unauthorized payment” can unleash a 55% UK charge that vaporizes decades of savings. Then we pressure-test the popular third‑country workaround, showing how the 25% overseas transfer charge, US income tax, and foreign trust reporting can tu...
From America to France: Navigating the Expat Journey
The Expat Sage Podcast
8 minutes
3 months ago
From America to France: Navigating the Expat Journey
We break down the essential steps for US citizens and green card holders looking to relocate to France, covering visa requirements, administrative processes, and cultural considerations to ensure a smooth transition. • US citizens can visit the Schengen area visa-free for up to 90 days, but longer stays require a pre-approved long-stay visa • Green card holders must follow visa rules based on their citizenship, not their US residency status • The Visitor visa (Visiteur) is for financially in...
The Expat Sage Podcast
A simple question—can a UK pension be rolled into a US IRA or 401(k)?—opens a door to some of the most punishing rules in cross‑border retirement planning. We walk through the hard stop that HMRC’s QROPS regime creates, why no US plans qualify, and how an “unauthorized payment” can unleash a 55% UK charge that vaporizes decades of savings. Then we pressure-test the popular third‑country workaround, showing how the 25% overseas transfer charge, US income tax, and foreign trust reporting can tu...
