{"id":143740,"date":"2025-05-13T19:13:30","date_gmt":"2025-05-13T19:13:30","guid":{"rendered":"https:\/\/adamfayed.com\/?p=143740"},"modified":"2025-05-13T19:13:30","modified_gmt":"2025-05-13T19:13:30","slug":"401k-rollover-rules","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/expats\/expat-guide\/401k-rollover-rules\/","title":{"rendered":"401(k) Rollover Rules for American Expats: A Guide"},"content":{"rendered":"<p>Moving abroad doesn\u2019t mean leaving your retirement savings behind.<\/p>\n\n\n\n<p>One of the most important things to consider for American expats are 401(k) rollover rules. <\/p>\n\n\n\n<p>Many wonder whether they can keep their retirement account in the US, contribute to it from abroad, or transfer it internationally.<\/p>\n\n\n\n<p>Without proper guidance, your retirement funds could be subject to unexpected taxes or missed opportunities for growth.<\/p>\n\n\n\n<p>Se state cercando di investire come espatriati o individui con un alto patrimonio netto, che \u00e8 ci\u00f2 in cui sono specializzato, potete inviarmi un'e-mail (hello@adamfayed.com) o un messaggio WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n<p>Questo vale anche per chi \u00e8 alla ricerca di un secondo parere o di investimenti alternativi.<\/p>\n\n\n\n<p>Alcuni fatti potrebbero cambiare rispetto al momento della stesura del presente documento e nulla di quanto qui scritto rappresenta una consulenza finanziaria, legale, fiscale o di qualsiasi tipo, n\u00e9 una sollecitazione a investire.<\/p>\n\n\n\n<p>In this post, we\u2019ll explore the key questions and options American expats face when managing their 401(k).<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Abbonati gratuitamente\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Scopri ora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a 401(k)?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignleft size-medium\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-A-401K-300x200.jpg\" alt=\"401(k) rollover rules for American expats - retirement plan\" class=\"wp-image-143750\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-A-401K-300x200.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-A-401K-512x341.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-A-401K-768x512.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/WHAT-IS-A-401K-scaled.jpg 825w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption class=\"wp-element-caption\"><em><sub><sup>Foto di Tima Miroshnichenko su Pexels<\/sup><\/sub><\/em><\/figcaption><\/figure>\n\n\n\n<p>A <a href=\"https:\/\/www.irs.gov\/retirement-plans\/401k-plans\" target=\"_blank\" rel=\"noreferrer noopener\">401(k)<\/a> is a US-based employer-sponsored retirement savings plan that allows employees to contribute a portion of their wages into a tax-advantaged investment account.<\/p>\n\n\n\n<p>Contributions are typically made on a pre-tax basis, reducing the employee\u2019s taxable income for the year.<\/p>\n\n\n\n<p>The funds in a 401(k) grow tax-deferred, meaning you don\u2019t pay taxes on investment gains until you withdraw the money, usually in retirement.<\/p>\n\n\n\n<p>There are two primary types of 401(k) plans:<\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Traditional 401(k):<\/strong> Contributions are pre-tax; withdrawals are taxed as ordinary income.<\/li>\n\n\n\n<li><strong>Roth 401(k):<\/strong> Contributions are made with after-tax dollars; withdrawals (including earnings) are tax-free if certain conditions are met.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Employers often match a portion of employee contributions, making the 401(k) an attractive option for building long-term retirement savings.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">401k Rollover Rules: How Does it Work?<\/h3>\n\n\n\n<p>Rolling over a 401(k) into an IRA or another eligible retirement plan is a common way to maintain tax-deferred growth and consolidate your retirement savings, especially for US expats who are no longer with their US employer.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Step-by-Step Process:<\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Choose the Type of Rollover<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/rollovers-of-retirement-plan-and-ira-distributions\" target=\"_blank\" rel=\"noreferrer noopener\">Direct Rollover<\/a><\/strong> (preferred): Funds go directly from your 401(k) provider to the IRA or new plan\u2014no taxes withheld.<\/li>\n\n\n\n<li><strong>Indirect Rollover<\/strong>: You receive the funds and must deposit them into the new account within 60 days, or face taxes and possible penalties.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Open a Rollover IRA or Qualified Plan<\/strong>:<br>Set up an IRA or enroll in a new 401(k) that accepts rollovers, typically with a US-based financial institution.<\/li>\n\n\n\n<li><strong>Request the Rollover<\/strong>:<br>Contact your former plan administrator and request a rollover. You&#8217;ll likely need to complete a distribution request form and provide details of the receiving account.<\/li>\n\n\n\n<li><strong>Transfer the Funds<\/strong>: In a direct rollover, the check is made payable to the new institution, not to you. If you&#8217;re handling an indirect rollover, make sure to deposit the full amount, including any withheld taxes, within 60 days.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Ensuring a Smooth Rollover:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use a direct rollover to avoid unnecessary taxes or penalties.<\/li>\n\n\n\n<li>Confirm account details before submitting your request to avoid delays.<\/li>\n\n\n\n<li>Notify both institutions (sending and receiving) in advance so they\u2019re prepared for the transfer.<\/li>\n\n\n\n<li>Keep a paper trail\u2014save confirmation emails, forms, and receipts.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Key Timelines and Paperwork:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>60-Day Rule<\/strong>: If you opt for an indirect rollover, you must redeposit the full amount into a new plan within 60 days.<\/li>\n\n\n\n<li><strong>Form 1099-R<\/strong>: The distributing plan will issue this tax form, which reports the rollover or distribution.<\/li>\n\n\n\n<li><strong>Form 5498<\/strong>: The receiving institution reports the rollover contribution to the IRS using this form.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>A correctly executed rollover allows you to maintain tax-deferred growth and avoid early withdrawal penalties.<\/p>\n\n\n\n<p>Always consult a tax advisor, especially if you&#8217;re <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/it\/living-abroad\/\" title=\"vivere all&#039;estero\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"2052\">vivere all'estero<\/a>, to ensure compliance and maximize tax efficiency.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Abbonati gratuitamente\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Scopri ora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Can I Keep My 401(k) in the US if I Move Abroad?<\/h3>\n\n\n\n<p>S\u00ec, <a href=\"https:\/\/adamfayed.com\/it\/retirement\/are-ira-and-401k-contributions-permitted-while-i-am-living-abroad\/\" target=\"_blank\" rel=\"noreferrer noopener\">you can keep your 401(k)<\/a> in the US after moving abroad.<\/p>\n\n\n\n<p>Many American expats choose to leave their 401(k) accounts with their former employer or roll them over into an IRA (Individual Retirement Account) in the US rather than transferring the funds internationally\u2014which is generally not permitted under US tax law.<\/p>\n\n\n\n<p>Keeping your 401(k) in the US allows the account to continue growing tax-deferred.<\/p>\n\n\n\n<p>However, there are important considerations to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Account Maintenance: You\u2019ll need to ensure you can access and manage the account from abroad. This may involve maintaining a US bank account and a US address for correspondence.<\/li>\n\n\n\n<li>Tax Implications: Distributions from a 401(k) are still subject to US taxation, and possibly local taxation in your country of residence, depending on tax treaties.<\/li>\n\n\n\n<li>Currency Risk: Your retirement savings will remain in US dollars, which may be a benefit or a risk depending on currency fluctuations where you live.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Pros of Having a 401(k) in the US<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Continued tax-deferred growth<\/li>\n\n\n\n<li>Access to a wide range of US investment options<\/li>\n\n\n\n<li>Potential for lower fees compared to international accounts<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Cons of Having a 401k <\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Potential double taxation if no treaty relief is available<\/li>\n\n\n\n<li>Limited contributions once you are no longer earning US-sourced income<\/li>\n\n\n\n<li>Administrative difficulties in accessing funds from abroad<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Can I Transfer My 401k to Another Country?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Overview of options for transferring or rolling over a 401(k) to a foreign account<\/h4>\n\n\n\n<p>Transferring your 401(k) to a retirement account outside the US is generally not permitted under US tax law.<\/p>\n\n\n\n<p>The IRS does not recognize foreign retirement plans as eligible to receive tax-free rollovers from US-based qualified retirement accounts like 401(k)s.<\/p>\n\n\n\n<p>Therefore, there is no legal or <a href=\"https:\/\/adamfayed.com\/it\/investment-options\/tax-efficient-investment-options\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/adamfayed.com\/investment-options\/tax-efficient-investment-options\/\" rel=\"noreferrer noopener\">tax-efficient<\/a> mechanism to directly transfer or &#8220;roll over&#8221; a 401(k) to a non-US <a href=\"https:\/\/adamfayed.com\/it\/personal-financial-planning\/pensions\/\" target=\"_blank\" rel=\"noreferrer noopener\">regime pensionistico<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Common restrictions or challenges with international transfers<\/h4>\n\n\n\n<p>Attempting to transfer a 401(k) directly to a foreign pension plan is treated as a taxable distribution by the IRS.<\/p>\n\n\n\n<p>This means the entire amount could be subject to US income tax and possibly a 10% early withdrawal penalty if the account holder is under age 59\u00bd.<\/p>\n\n\n\n<p>Additionally, US citizens living abroad may face difficulties maintaining their US retirement accounts due to residency issues, such as brokerages restricting account management for non-residents.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Relevant tax considerations and treaty agreements<\/h4>\n\n\n\n<p>Taxation of 401(k) withdrawals while living abroad will depend on the tax treaty (if any) between the US and your country of residence.<\/p>\n\n\n\n<p>Some treaties may help avoid double taxation by providing relief such as exemptions or credits, while others may not recognize the tax-deferred status of a US 401(k).<\/p>\n\n\n\n<p>Regardless of your country of residence, distributions from a 401(k) remain taxable in the US.<\/p>\n\n\n\n<p>Additionally, transferring funds to a foreign account may trigger US reporting obligations, such as FBAR (FinCEN Form 114) or Form 8938, depending on account balances.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Abbonati gratuitamente\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Scopri ora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Can US Expats Contribute to a 401k?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Clarification of eligibility for contributions based on foreign employment<\/h4>\n\n\n\n<p>Generally, US expats can only contribute to a 401(k) if they are employed by a US-based company that offers a 401(k) plan.<\/p>\n\n\n\n<p>If you&#8217;re working for a foreign employer (even one affiliated with a US firm), you typically cannot contribute to a US 401(k) plan, unless the foreign entity has opted into US retirement benefits, which is rare.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Rules on contributing to a US-based 401(k) as an expat<\/h4>\n\n\n\n<p>To make 401(k) contributions, your earned income must be subject to US Social Security and payroll taxes (FICA).<\/p>\n\n\n\n<p>If you&#8217;re employed abroad but on a US payroll (e.g., posted overseas by a US employer), you can still contribute to your 401(k).<\/p>\n\n\n\n<p>However, if you\u2019re paid by a foreign entity or receive a foreign-source income that qualifies for the <a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/figuring-the-foreign-earned-income-exclusion\" target=\"_blank\" rel=\"noreferrer noopener\">Foreign Earned Income Exclusion (FEIE)<\/a>, that income is not considered eligible for 401(k) contributions.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0f Potential limitations and tax implications for American expats<\/h4>\n\n\n\n<p>Contributing to a 401(k) while living abroad is possible, but there are challenges.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Double Tax Risk:<\/strong> Your host country may not give tax breaks for 401(k) contributions, even if the US does.<\/li>\n\n\n\n<li><strong>FEIE Impact:<\/strong> If you use the Foreign Earned Income Exclusion, you might not have any US-taxable income to contribute.<\/li>\n\n\n\n<li><strong>Employer Limits:<\/strong> You usually need a US-based employer offering a 401(k) plan to keep contributing.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Is It Better to Rollover 401k or Leave It?<\/h3>\n\n\n\n<p>If you&#8217;re moving abroad or changing jobs, you\u2019ll need to decide what to do with your 401(k): leave it with your old employer or roll it into an IRA.<\/p>\n\n\n\n<p>\u2714\ufe0f <strong>Why Roll It Over:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>More Investment Options:<\/strong> IRAs offer wider choices than most 401(k) plans.<\/li>\n\n\n\n<li><strong>Simplified Management:<\/strong> Easier to track and manage one retirement account.<\/li>\n\n\n\n<li><strong>Lower Costs:<\/strong> IRAs can have fewer fees.<\/li>\n\n\n\n<li><strong>Flexible Beneficiary Rules:<\/strong> Easier estate planning.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\u2714\ufe0f <strong>Why Keep Your 401(k):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Better Legal Protection:<\/strong> Stronger safeguards from creditors.<\/li>\n\n\n\n<li><strong>Early Withdrawals:<\/strong> Penalty-free access if you leave your job at 55+.<\/li>\n\n\n\n<li><strong>Familiarity:<\/strong> You\u2019re already used to how the plan works.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\u2714\ufe0f <strong>401(k) vs IRA<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IRAs may lack creditor protection and certain 401(k) features like loans.<\/li>\n\n\n\n<li>Old 401(k)s can be costly, limited in investments, and harder to manage if left behind.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\u2714\ufe0f <strong>401K Rollover Tax Notes:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Direct rollovers are tax-free.<\/li>\n\n\n\n<li>Indirect rollovers may trigger tax withholding and penalties.<\/li>\n\n\n\n<li>Required distributions vary slightly between account types.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best 401k Rollover Options for American Expats<\/strong><\/h2>\n\n\n\n<p>For American expats, rolling over a 401(k) isn\u2019t just about simplifying accounts.<\/p>\n\n\n\n<p>It\u2019s a strategic financial move that can impact investment flexibility, tax exposure, and retirement security across borders.<\/p>\n\n\n\n<p>The key is to choose a rollover option that aligns with your current residency, future plans, and financial goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Suggested 401k Strategies for Expats:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Direct Rollover to a US-Based IRA<\/strong>: This is the most straightforward and tax-efficient option. It helps you maintain tax-deferred growth and avoid penalties, especially if you&#8217;re no longer eligible to contribute to a 401(k).<\/li>\n\n\n\n<li><strong>Consider a Roth Conversion (If Applicable)<\/strong>: If you\u2019re in a lower tax bracket while abroad, converting part of your traditional 401(k) or IRA to a Roth IRA might make sense, provided you can handle the upfront tax hit.<\/li>\n\n\n\n<li><strong>Work with a Cross-Border Advisor<\/strong>: Choose an advisor familiar with expat retirement planning, as they can help you manage currency risks, tax treaties, and account accessibility.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tips for Choosing the Right Rollover Plan:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Residency Considerations<\/strong>: Be aware of local taxation on US retirement income and whether your country has a tax treaty with the US. This affects how your withdrawals are taxed.<\/li>\n\n\n\n<li><strong>Long-Term Financial Goals<\/strong>: Consider where you plan to retire. If it&#8217;s outside the US, plan for currency risks and repatriation of funds.<\/li>\n\n\n\n<li><strong>Efficienza fiscale<\/strong>: Stay informed about IRS rules for rollovers and foreign income. A poorly executed rollover can lead to unnecessary tax burdens.<\/li>\n\n\n\n<li><strong>Accessibilit\u00e0<\/strong>: Ensure the new account provides reliable international customer service and flexible withdrawal options when you eventually need to access your funds.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Rolling over your 401(k) as an expat is not just a technical transaction. It\u2019s a decision that shapes the future of your retirement.<\/p>\n\n\n\n<p>With the right planning and partners, you can optimize your savings, reduce tax exposure, and ensure your nest egg grows securely no matter where life takes you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Moving abroad doesn\u2019t mean leaving your retirement savings behind. One of the most important things to consider for American expats are 401(k) rollover rules. Many wonder whether they can keep their retirement account in the US, contribute to it from abroad, or transfer it internationally. Without proper guidance, your retirement funds could be subject to [&hellip;]<\/p>","protected":false},"author":60,"featured_media":143747,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11805],"tags":[],"class_list":["post-143740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-guide"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/143740","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=143740"}],"version-history":[{"count":3,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/143740\/revisions"}],"predecessor-version":[{"id":152936,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/143740\/revisions\/152936"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/143747"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=143740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=143740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=143740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}