2025 is shaping up to be a pivotal year for expats with U.S. assets. From SECURE 2.0 RMDs to custodial de-risking, the rules are shifting fast. Here’s what’s on the horizon for expat financial planning.
Key Regulatory Updates
- RMD Age Shift: Required withdrawals now begin at 73. Planning around this is critical for cross-border tax optimization.
- QLAC Expansion: New rules allow more deferral via Qualified Longevity Annuity Contracts.
- Custodian Policy Tightening: More firms are exiting relationships with non-residents.
Treaty and Tax Issues to Watch
- Several U.S. treaties are under review. Some may improve pension protections; others may tighten definitions.
- Expats in non-treaty countries face increased risks of double taxation.
Currency and Market Realities
- FX volatility remains a bigger risk factor than many equity downturns.
- A structured approach to conversions and hedging is essential.
Action Steps for Year-End 2025
- Audit your residency and treaty status.
- Model withdrawals across U.S. and local tax calendars.
- Secure custodian confirmation of continued account servicing.
Expat wealth solutions in 2025 aren’t about preservation; they’re about proactively managing change.
➡️ Next Step: Stay ahead of 2025 changes. Schedule your complimentary 15-minute consultation with EWMS to secure your retirement strategy.
Disclaimer: This article is educational in nature. It does not provide specific tax, legal, or investment advice. EWMS offers expat planning education and referral pathways to licensed advisors.
