Financial Advisor and CPA for Americans Abroad
A flat-fee CPA and Financial Planner team that gives you personalized, holistic advice across your taxes and financial plan. We choose your exclusion or credit, file your FBAR and Form 8938, and plan your accounts.
What we handle for Americans abroad
The US taxes its citizens and green card holders on worldwide income wherever they live. The work is keeping your second country’s tax from becoming a second bill.
- 01
The foreign earned income exclusion
For 2026 you can exclude up to $132,900 of foreign earnings if you are a bona fide resident abroad or spend 330 full days abroad in a 12-month period. It doesn’t reduce self-employment tax, and the rest of your income is taxed at the rates it would have had without it.
- 02
The housing exclusion
Employer-paid housing costs above a base amount, 16% of the exclusion or $21,264 for a full 2026 year, can be excluded too, up to a limit that depends on the city. If you are self-employed, the same costs are a deduction instead.
- 03
The foreign tax credit
Where local tax is higher than US tax, crediting it on Form 1116 can cancel the US tax on that income without the exclusion. You can’t take a credit for tax on income you exclude, so your CPA runs both before choosing.
- 04
The FBAR
If your foreign accounts together topped $10,000 at any point in the year, you file an FBAR with FinCEN, separately from your tax return. It is due April 15, with an automatic extension to October 15. Every account counts toward the total, not only the large ones.
- 05
Form 8938
Living abroad, you file Form 8938 with your return once foreign financial assets pass $200,000 at year-end or $300,000 at any time, or $400,000 and $600,000 on a joint return. It overlaps with the FBAR but doesn’t replace it.
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Funds in your local brokerage
Most foreign mutual funds and ETFs are passive foreign investment companies (PFICs). Without an election, a gain is spread across the years you held the fund, taxed at each year’s top rate and charged interest. Your CPA files Form 8621 and plans which funds to keep.
How Nino helps Americans abroad
Living abroad means two tax systems, a filing date that moves, and accounts the IRS asks about every year. On Plus and Premier your CPA files your FBAR, Form 8938 and PFIC forms with your return; on Essential they are an add-on.
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A plan in your first two weeks
Your CPA and Financial Planner build a tax and financial plan around where you live, where you are paid and what you own in each country, then revisit it every quarter.
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One return, every form
Your CPA prepares your federal return with the exclusion or the credit, plus the FBAR, Form 8938 and Form 8621 where they apply, and files nothing until you approve it.
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Accounts in one view
Nino’s AI software connects accounts read-only, so you can see balances in one place and ask what a sale, a bonus or a move does to your plan.
What should you decide each year abroad?
Four choices that change what you owe in two countries.
Exclusion or credit
In a low-tax country the exclusion often saves more; in a high-tax one the credit can. If you revoke the exclusion, claiming it again within five tax years needs IRS approval, so choose for the years ahead, not just this one.
Whether to use the June 15 extension
Living abroad on April 15 gives you until June 15 to file and pay, with a statement attached, but interest runs from April 15. Form 4868 extends the filing date to October 15. See the 2026 deadline calendar.
Retirement saving while abroad
IRA contributions need taxable compensation, and income you exclude doesn’t count. Exclude all your pay and you can’t fund an IRA that year; claiming the credit instead keeps the room. The 2026 limit is $7,500, or $8,600 at 50 or older. See Roth IRA limits.
Your state when you leave
Leaving the US doesn’t end state residency on its own. California keeps taxing a domiciled resident who is away for a temporary purpose, though 546 consecutive days abroad under an employment contract generally counts as leaving. Cut state ties before the move, not after.
Pick your plan
Every Advisor plan includes a CPA and Financial Planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for Americans abroad
Read up on these decisions, or run your own numbers.
Tax and Financial Deadlines for 2026 and Early 2027
Every date from October 2026 to April 2027: estimated taxes, December 31 moves, tax forms, IRA and HSA deadlines, and the life-event clocks that run on their own.
Read guideRoth IRA Contribution and Income Limits for 2026
The 2026 IRA contribution limit is $7,500, or $8,600 at age 50+. Income and contributions to other IRAs may reduce your Roth IRA allowance.
Read guideWhat Is MAGI?
Modified adjusted gross income starts with AGI, then changes for the tax or benefit being tested. Compare the Roth IRA, NIIT, Medicare, and Marketplace definitions.
Read guideWhat Is the Net Investment Income Tax (NIIT)?
NIIT is a 3.8% tax on certain investment income above income thresholds. See who pays, what counts, and how to calculate it.
Read guideRetirement Calculator
Estimate retirement income, how long savings could last, and any funding gap.
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More people we work with
See how our CPA and Financial Planner team helps people in situations like yours.