Earning in Singapore dollars while filing US taxes is only the beginning. Americans in Singapore sit inside one of the most favorable tax environments for Roth conversions anywhere in the world: no Singapore capital gains tax, no dividend tax, and the conversion itself isn't taxed locally. Most are not using it.

Ann Marie Regal, CFP® and founder of Avrio Wealth, built one of the first fiduciary financial planning practices for US-connected families in Singapore, dual-licensed with both MAS and the SEC. In this episode she breaks down the Roth conversion opportunity most US expats miss, the CPF traps that catch Americans off guard, why your US-based advisor probably cannot serve you well from across the Pacific, and the financial mistakes she sees most often when new clients walk in the door.

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WHAT THIS EPISODE COVERS
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00:52 — How Ann Marie built a cross-border fiduciary practice in Singapore from scratch
06:21 — MAS licensing vs capital markets license: what the difference means for clients
10:32 — Why keeping your US advisor when you move to Singapore usually stops working
16:48 — The Roth conversion window Americans in Singapore are not using
22:00 — CPF: a great tool for Singaporeans, a tax trap for Americans
28:06 — The most common financial mistakes US expats make in Singapore

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ABOUT THE GUEST
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Ann Marie Regal, CFP®, is the founder of Avrio Wealth, a fiduciary financial planning firm dual-licensed with the Monetary Authority of Singapore and the SEC, specializing in US-connected globally mobile families.

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ABOUT THE HOST
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Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

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ABOUT PASSPORT TO WEALTH®
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Passport To Wealth® is the platform for current and aspiring US expats looking for trusted, fiduciary support. We connect globally mobile Americans with expert, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

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RESOURCES & LINKS
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Subscribe to the newsletter: https://www.passporttowealth.com/contact
Order "The Expat Money Playbook": https://www.passporttowealth.com/expat-money-playbook
Schedule a paid Expat Expert call: https://www.passporttowealth.com/about
Find a fiduciary expat financial advisor: https://www.passporttowealth.com/directory
Connect with Ann Marie on LinkedIn: https://www.linkedin.com/in/annmarieregal
Visit Avrio Wealth: https://avriowealth.com

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STAY CONNECTED
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Facebook: https://www.facebook.com/passporttowealth
Instagram: https://www.instagram.com/passporttowealthofficial
LinkedIn: https://www.linkedin.com/company/passport-to-wealth
Website: https://www.passporttowealth.com

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SUGGESTED EPISODES
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https://www.youtube.com/watch?v=zKyX65YockA
https://www.youtube.com/watch?v=TEhVFp0gKBU
https://www.youtube.com/watch?v=pihQRcxFdts
https://www.youtube.com/watch?v=KK9h0MXkO4I

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This video is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.
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#expatfinance #financialplanning #passporttowealth #singapore #rothconversion