Our Specialized Services for Foreign Nationals
At Agape Wealth Management, we recognize the unique financial needs of foreign nationals. Our tailored services address cross-border complexities, regulatory nuances, and multi-jurisdiction planning, all delivered within a fiduciary, values-driven framework.
What We Offer
Global Wealth Management for Foreign Nationals**
- Customized strategies aligned with your residency, tax status, and family objectives.
- Comprehensive planning across investment management, retirement strategies, estate planning, and tax considerations.
Cross-Border Financial Planning
- Coordination of assets and liabilities across countries.
- Guidance on currency exposure, repatriation considerations, and local regulatory requirements.
International Investment Solutions
- Asset allocation and risk management tailored to multi-jurisdiction portfolios.
- Access to global investment opportunities with fiduciary-aligned oversight.
Estate and Succession Planning Across Borders
- Multijurisdictional estate planning, trusts, and beneficiary designations reflecting cross-border realities.
- Coordination with local estate laws, treaties, and governance structures.
Tax Strategy and Compliance
- Tax-efficient structures optimizing after-tax outcomes within applicable jurisdictions.
- Compliance support and collaboration with local and international tax professionals.
Risk Management and Insurance
- Insurance solutions designed for cross-border needs and international exposure.
- Coverage aligned to life events, family needs, and mobility.
Family Office and Multigenerational Planning
- Holistic family governance, education funding, and legacy planning across generations.
- Strategies integrating financial objectives with values and long-term well-being.
Why Work With Us
- Fiduciary, independent advisory with a client-first orientation.
- Global perspective combined with local expertise and regulatory awareness.
- Collaborative network of international professionals to support cross-border needs.
- Commitment to multigenerational stewardship, integrity, and exemplary service.
Key Tax Rules for NRA Investment Accounts:
- Dividends: Taxed at a 30% rate (or lower treaty rate) on U.S. securities.
- Capital Gains: Generally exempt from U.S. tax for NRAs unless they are considered “effectively connected” to a US trade or business, or the 183-day rule is triggered.
- Interest Income: Generally exempt from tax if it qualifies as “portfolio interest” (most bank deposits, Treasury bonds, and corporate bonds).
- Withholding: Brokerages typically withhold 30% tax on dividends and non-exempt interest, reporting it to the IRS via Form 1042-S.
- Tax Treaty: If your home country has a tax treaty with the US, you may qualify for a reduced withholding rate.
- Documentation: You must submit Form W-8BEN to your brokerage to declare your NRA status, or they will withhold 24% (backup withholding) or 30% automatically.
Useful links
https://www.irs.gov/businesses/taxation-of-nonresident-aliens-international-tax-gap-series
Nonresident Aliens (NRAs) with US investment accounts are generally taxed at a flat 30% rate on US-source dividends and certain interest, withheld by brokers. Capital gains from trading US stocks/bonds are typically not taxable for NRAs, provided they are not physically present in the US for 183+ days and income is not connected to a US business.
Next Steps
If you would like to discuss how we can tailor these services to your country of residence, citizenship status, and family goals, please schedule a confidential consultation. We will listen, assess, and design a coordinated plan that honors your unique circumstances.