Retirement Plans for US Resident Aliens

If you’re an international expatriate living in the United States, navigating the retirement landscape can be complex. With a variety of plan types—401(k), 403(b), IRAs, Roth IRAs, and more—it’s essential to understand which options are available to you, how they differ, and what works best given your tax and residency status.

This comprehensive guide is built for globally mobile individuals who hold US resident status and want to maximise their retirement savings with clarity and confidence.

• 401(k), 403(b), 457 & TSP Plans – A breakdown of key employer-sponsored retirement accounts, including contribution limits, tax treatment, and withdrawal rules.
• Traditional vs. Roth IRAs – Understand how these two popular options differ in terms of tax impact, flexibility, and long-term benefits.
• 401(k) Rollovers – Discover when and why to consider rolling over your plan into an IRA—and what tax liabilities may apply.
• 529 Education Plans – Learn about tax-advantaged college savings plans and who can benefit.
• Foreign Earned Income Exclusion (FEIE) – Get the latest updates on this important benefit for expats working abroad.
• Filing Requirements & Tax Forms – Know which IRS forms to file and when, from Form 1040 to 2555, 1116, and 8938.

Because planning for retirement in the US as a non-citizen isn’t straightforward. From tax penalties to contribution limits and rollover rules, the details matter—and making the wrong move could cost you. This guide gives you clarity on your options and your obligations.

• International expats living and working in the US
• Green Card holders and visa holders with US-based retirement accounts
• Individuals with US pension accounts who are considering relocating
• Anyone unsure about the differences between IRAs, 401(k)s, and rollover rules

Get your Retirement Planning Solutions for US Resident Aliens Guide and take control of your financial future—whether you stay in the US or eventually move on.