Planning for 2025: Wealth management for US expats in the Netherlands
Moving to the Netherlands as a US expat is an exciting time, and brings the opportunity to build a rewarding career, experience a new culture, and enjoy a high quality of life. However, living abroad does introduce financial complexities into your life.
Expats can be faced with a lot of questions about their finances, and will have to spend time finding out what is and isn't allowed for US citizens living abroad. From managing US-based retirement accounts like 401(k)s and IRAs to getting to grips with cross-border tax laws, suddenly there is a lot you need to know about regulations, investments, and long-term planning.
How do you manage your US retirement accounts? What do regulations such as FATCA (Foreign Account Tax Compliance Act) and PFIC (Passive Foreign Investment Company) mean for your investments? How can you ensure that your retirement planning aligns with the laws in both countries?
Addressing these complicated issues requires specific knowledge. Partnering with a firm like Noesis Capital Management, which specialises in cross-border wealth management, can simplify your financial life abroad.
Understanding cross-border financial challenges
US expats face unique financial hurdles. Regulatory frameworks like FATCA make it very difficult for US citizens to open investment accounts, while PFIC rules complicate investment options. If you maintain US-based accounts, European regulations may prevent you from purchasing US investment products, which in turn creates barriers to effective wealth management.
Taxation is another challenge and understanding the US-Netherlands tax treaty requires expertise to avoid double taxation. Many expats are unsure how to manage retirement accounts or structure financial plans across the two very different legal systems.
Given these complications, partnering with a wealth management firm is essential to ensuring your investments and tax strategies are optimised for your life abroad. Beyond cross-border capabilities, the right firm should demonstrate competence, genuine care, and a results-driven approach.
Why choose Noesis Capital Management?
Founded in the US and registered with the Securities and Exchange Commission (SEC), Noesis is a Registered Investment Adviser (RIA) with three decades of global wealth management experience. Headquartered in Boca Raton, Florida, with a fully registered office in Amstelveen, Noesis is uniquely positioned to help expats manage their cross-border financial planning.
Their diverse team, representing professionals from five continents, offers a global perspective that ensures tailor-made strategies for every client. This makes Noesis a trusted partner for clients from multiple nationalities living in more than 30 different countries.
Financial solutions
Noesis provides discretionary portfolio management, meaning your accounts are actively managed by their team of experts to align with your unique financial goals, ensuring a personalised approach. Their wealth management services include:
- Financial planning: cash flow, retirement, estate planning
- Portfolio and asset management
- Risk management
- Tax-efficient strategies
With a recommended minimum investment of 500.000 euros, clients benefit from services designed to address the challenges of cross-border life. Noesis partners with multiple independent custodians, including Charles Schwab & Co., Inc., their primary custodian since 1999, to safeguard client assets.
Achieve financial peace of mind abroad
Managing your finances does not have to be daunting. With Noesis’ expertise and care, you can overcome cross-border challenges and focus on what matters most: your career, family, and life abroad.
Your Noesis team works as one to provide ongoing support and individual guidance from offices in both the US and Europe, ensuring you always have access to expert advice. Noesis operates with a fiduciary commitment to act in their clients' best interests, remaining independent with a transparent fee structure.
Your next step
Contact Noesis for a complimentary consultation. Discover how their customised solutions can simplify your finances and help you achieve peace of mind. Visit www.noesis-capital.nl to learn more about their investment philosophy or email info@noesis-capital.nl to get started.
COMMENTS
Leave a comment