American Retiring in Europe?
Download our Guide for Americans Retiring in Europe
Retirement is often thought of as the reward for a lifetime of work, but for many Americans nowadays, it’s also an opportunity for a new adventure. With your career behind you and children grown, as a retiree you have the freedom to decide where to live and how you spend your time, and what kind of place will best support your wellbeing.
Increasingly, Americans are looking beyond US borders and considering retirement abroad. Europe, in particular, has become a top destination. The appeal is clear: many European countries offer world-class healthcare, efficient infrastructure, walkable cities, and a lifestyle centered around community, food, and culture. For retirees, this can mean a healthier, more enjoyable life.
Download our guide below or if you’d like to discuss cross-border investment management schedule a consultation.
What Else do US Citizens Retiring in Europe Need to Know?
Yet retiring in Europe involves more than a change of scenery. It requires careful planning across multiple systems to understand immigration rules, healthcare access, taxes, banking, and investments. Americans must comply with both US and local laws even when abroad.
This guide provides a practical, realistic overview of what it takes to retire in Europe as a US citizen.
Download our in-depth guide below, or schedule a consultation to discuss your investment situation with one of our expat experts.
Our Story
EuroAmerican Financial Advisors is the only independent financial advisory firm specializing in serving Americans moving to Europe.
We provide investment advice and financial planning services tailored for Americans moving to and living in Europe. The financial issues faced by Americans retiring in Europe are quite different compared to Americans living in the United States due to cross-border taxation, currency fluctuations, as well as global investment questions.
We are regulated and licensed in Europe, and our advisors are also licensed in the US. We offer Americans in Europe a personalized and optimized service, transparent fees, easy communication, tax efficient investment strategies; and most importantly the peace of mind that comes from dealing with an investment advisory firm that specializes in financial planning in to both the US and Europe.
We’ve created an in-depth guide to the financial planning considerations for Americans retiring in Europe, which you can download below.
EAFA Guide for Americans Retiring in Europe
Enter your details below to download our guide to retiring in Europe for Americans.
Our Services
Investment Advice
Most firms use model portfolios that don’t take into account your situation as an American in Europe affected by both jurisdictions’ tax and regulatory regimes, and your withdrawal plans or future needs in Euros and/or dollars. Such portfolios also don’t allow the flexibility to adapt depending on the economic cycle, market volatility, or your cash needs.
At EAFA, we build a personalized investment strategy for you as an American retiring in Europe. We work with our partners and utilize expat-compliant investments and brokerage accounts to implement the strategy and make tactical adjustments when necessary. In this way, we ensure that you remain optimally on track to meet your financial goals.
Financial planning
We have the experience and knowledge to manage cross-border portfolios in a tax efficient manner in both the US and Europe while also mitigating risks arising to your wealth or income from dollar/Euro currency movements. We have advisors with both the US Certified Financial Planner (CFP) designation, and the European Financial Planner (EFP) designation.
At EAFA, our financial planning process encompasses the additional complexities that living as an American retiring in Europe entails while maintaining an unwavering focus on your financial goals. We also address non-investment issues such as estate planning, US and local taxation, education planning for children or grandchildren, and retirement considerations.
Retirement planning
Most firms don’t have experience working in both Euros and dollars to minimize costs, currency exposure and taxes in both Europe and the US.
At EAFA, we will create a retirement plan based on your plans and aspirations, that will minimize taxes and currency exposure, and which is globally diversified. We understand that you may want to maximize travel and leisure in the early years of retirement when you are most active, and we will stress test our plans using historical scenarios like the global financial crisis, pandemics, and periods of high and low interest rates, to ensure you are prepared and protected for whatever may come.
Why EAFA?
We specialize in providing financial planning and investment advice for Americans retiring in Europe.
We are independent advisors, licensed and regulated in Europe, and regulated US advisors, allowing us to manage and globally diversify your investments in your best interests, not ours. We have the knowledge and experience to minimize your tax exposure in both jurisdictions as well as risks of losses relating to dollar/Euro currency movements.
We take a holistic approach, learning about your current situation, future plans and investment goals. We are expats ourselves, so we fully understand the issues and challenges Americans retiring in Europe face, as well as the peace of mind that comes from trusting your finances to experts, allowing you to relax and enjoy the great adventure of living abroad.
Ready to Plan Your Retirement in Europe?
Schedule a complementary consultation to discuss your options. We can transfer your existing investments to an expat-compliant US brokerage account without creating a taxable event if necessary.
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When you’re ready, sign our Know Your Client form and advisory agreements online.