International tax advisory

Living abroad changes your taxes—but it does not end your U.S. filing obligations.

TaxSpectra helps Americans abroad understand what they must file, what they may be able to optimize, and which decisions should be made before tax season.

Whether you are preparing to move, already established abroad, or catching up on missed filings, we help you see the full picture before recommendations are made.

Not sure what international tax issues apply to you?

Foreign income · Accounts · Residency · Businesses · Investments · Prior-year compliance

United States ↔ Worldwide financial life
Cross-border tax lensOne life.
Several connected systems.
  1. 01Residency
  2. 02Income & credits
  3. 03Foreign accounts
  4. 04Entities
  5. 05Investments
  6. 06Reporting
Coordinated outcomeInternational tax strategy

The core problem

International tax complexity rarely comes from one rule.

It comes from several systems overlapping at once.

You may live in one country, remain taxable in the United States, maintain ties to a former state, earn through a business, hold foreign accounts, contribute to a local pension, and invest through platforms never designed for U.S. taxpayers.

A tax return records those facts. A tax strategy helps you understand how they work together.

  • 01U.S. taxation of worldwide income
  • 02Foreign Earned Income Exclusion eligibility
  • 03Foreign Tax Credit planning
  • 04FBAR and foreign-account reporting
  • 05FATCA-related disclosures
  • 06State residency and domicile
  • 07Foreign corporations and partnerships
  • 08Foreign pensions and retirement plans
  • 09Foreign investment funds and PFICs
  • 10Self-employment and social insurance
  • 11Currency conversion and recordkeeping
  • 12Prior-year filing gaps

International Decision Engines

Explore your international tax position.

These private educational tools help identify questions that may require closer review. They do not replace personalized tax advice.

View the Decision Center
International Private

Foreign Account Reporting Checker

Check general FBAR and Form 8938 filing signals separately using account, asset, residence, ownership, and authority facts.

Who it is for
U.S. persons with foreign accounts, specified foreign financial assets, signature authority, or reporting uncertainty.
What you will get
FBAR and Form 8938 signals, applicable thresholds, deadlines, and flags for broader international-form review.
Check foreign reporting signals
International Private

FEIE vs. Foreign Tax Credit

Compare the primary considerations in excluding foreign earned income versus claiming credits for foreign income taxes.

Who it is for
Americans abroad choosing how to address double taxation on salary or self-employment income.
What you will get
A directional estimate of which approach may produce the stronger U.S. result and the factors driving it.
Compare the options
International Private

Expat Catch-Up Assessment

Estimate potential exposure from missed returns and foreign-account reporting before selecting a corrective filing path.

Who it is for
Americans abroad who are behind on U.S. returns, FBARs, or related international filings.
What you will get
An exposure estimate and a comparison with the potential result under streamlined filing procedures.
Review catch-up considerations
Advisory review

Physical-presence test

Review travel days, the relevant twelve-month period, tax home, and any facts that could interrupt eligibility.

Review timing considerations →
Advisory review

State residency

Evaluate domicile, property, family, licensing, voting, and other continuing ties to a former state.

Evaluate state ties →

The advisory process

A structured approach to international tax decisions.

  1. 01

    Understand

    Where you live, where you may move, how you earn, what you own, and which U.S. connections remain.

  2. 02

    Identify

    Potential returns, foreign disclosures, missing documents, planning issues, and areas needing deeper review.

  3. 03

    Compare

    Exclusions, credits, entity choices, residency positions, timing decisions, and corrective filing options.

  4. 04

    Recommend

    Clear recommendations, the reasoning behind them, and the actions that should occur before filing or acting.

  5. 05

    Implement

    Planning, preparation, corrective filings, and ongoing advice based on the agreed strategy.

Review an international tax decision

Advisory areas

International tax advice built around your entire financial life.

01

Foreign income planning

Coordinate salary, self-employment, business income, investments, pensions, and other foreign-source income.

02

Foreign-account reporting

Review potential reporting for bank accounts, brokerage accounts, pensions, entities, and other financial interests.

03

Cross-border business

Evaluate U.S. consequences of foreign companies, partnerships, self-employment, contractors, payroll, and ownership.

04

State residency

Assess whether the move ended domicile and which facts may continue connecting you to a former state.

05

Investments and retirement

Review foreign funds, pensions, retirement accounts, capital gains, and income-reporting issues.

06

Expat catch-up

Develop a structured response to missed returns, foreign-account reports, and international information filings.

07

Returning to the United States

Plan for ending foreign residency, moving assets, changing employment, closing entities, and reestablishing domicile.

A connected scenario

A move abroad can create several tax decisions at once.

An American professional accepts an overseas position and assumes paying tax locally will eliminate U.S. filing obligations.

After moving, the individual:

  • continues filing as a resident of the former state
  • opens foreign bank and investment accounts
  • contributes to a local retirement plan
  • earns consulting income on the side
  • purchases foreign mutual funds
  • waits until tax season to ask how everything should be reported
TaxSpectra perspective

Each decision may be manageable alone. The challenge is understanding how they interact—and identifying obligations, choices, risks, and timing before they become expensive to correct.

Who this is for

TaxSpectra may be a strong fit when your international life includes more than a foreign address.

TaxSpectra is not positioned as a low-cost provider for simple filing situations or as a substitute for do-it-yourself software.

  • Income in more than one country
  • A business owned or managed abroad
  • Foreign bank or investment accounts
  • A foreign pension or retirement plan
  • A choice between the FEIE and Foreign Tax Credit
  • Possible state-residency exposure
  • Foreign funds, companies, partnerships, or property
  • Missed prior-year U.S. filings
  • A planned move abroad or return to the United States
  • A need for year-round guidance rather than filing-only support

Why TaxSpectra

International tax advice should provide more than a completed return.

01

Clarity

Understand what applies, what does not, and why.

02

Coordination

Consider federal, state, foreign, business, investment, and reporting issues together.

03

Strategy

Evaluate decisions while there is still time to change the outcome.

04

Continuity

Maintain an advisory relationship as your international life evolves.

05

Accountability

Receive recommendations supported by professional judgment, not automated output alone.

Frequently asked questions

Clear answers to the first questions Americans abroad ask.

Do Americans living abroad still have to file U.S. tax returns?

U.S. citizens and many green card holders generally remain subject to U.S. filing rules while living abroad. The exact requirements depend on income, filing status, accounts, entities, investments, and other facts.

Will the Foreign Earned Income Exclusion eliminate all of my U.S. tax?

Not necessarily. Eligibility, income type, housing costs, self-employment tax, investment income, refundable credits, and future planning may affect the result.

Is the Foreign Tax Credit better than the Foreign Earned Income Exclusion?

Neither is universally better. The stronger approach depends on the foreign tax rate, income level, location, family situation, income type, and future plans.

Do I need to report foreign bank accounts if they earn little interest?

Possibly. Some foreign-account reporting requirements are based on account values, ownership, or signature authority rather than taxable income.

What happens if I have not filed U.S. returns for several years?

The response depends on filing history, tax owed, foreign-account reporting, willfulness, missing information returns, and whether the IRS has already contacted you.

Can TaxSpectra help before I move abroad?

Yes. Pre-move planning is often the best time to address state domicile, compensation, business structure, investments, retirement accounts, banking, timing, and documentation.

Does TaxSpectra provide foreign-country tax advice?

TaxSpectra focuses on U.S. tax matters. When local-country advice is needed, the engagement may require coordination with a qualified professional in that country.

Plan before filing

Make the move with a strategy—not a collection of unanswered tax questions.

Whether you are preparing to leave, already living abroad, operating a foreign business, or correcting missed filings, TaxSpectra can help identify what requires attention and what should happen next.

Start with a structured conversation about your situation, concerns, and decisions ahead.