Retirement planning
for US-based NRIs
Whether you’re planning to retire in the US or move back to India, your retirement plan needs to work in both. We help you build a retirement plan by aligning your 401k, Roth IRA, and India investments into one clear strategy — talk to our NRI financial advisor to see how it applies to your situation.
Your retirement plan isn’t built for two countries.
Most NRIs don’t realise how their US and India decisions interact — until it shows up in their taxes and withdrawals.
Your 401k decisions today can create tax problems in India later.
Money optimised for US taxes can be taxed again on withdrawal in India.
This is exactly the gap InvestMates was built to fill.
Your US CPA handles the IRS and your India CA handles Indian tax law — but your retirement spans both, and no one is planning across them.
- We look at your complete picture across both countries
- One coordinated plan where every decision works together
- A strategy built before decisions are made, not after the fact
- Guidance across every stage, from your last years in the US to your first years in India
A complete retirement plan across both countries
Everything you need to plan, structure, and optimise your retirement across the US and India — brought together into one clear, coordinated plan.
A clear path to your NRI retirement plan
We turn your US and India finances into one coordinated plan with clear next steps, so you know exactly what to do at every stage of your retirement journey.
Book a free call
Tell us about your situation, your US and India accounts, and what you’re trying to figure out. No paperwork or preparation needed. Just a straightforward conversation to get clarity.
Map your full financial picture
We analyse your finances across both countries and bring everything together into one view, so you can clearly see your retirement position and the decisions ahead.
Get a plan you can execute
You receive a clear, personalised plan that shows what to do, in what order, and when, so you can move forward with confidence and avoid costly mistakes.
Meet the experts
Every retirement planning engagement is led by a credentialed specialist with deep cross-border experience.
We build your retirement plan across both countries, not just one.
We model both the US and India together
Most advisors only understand one system. We build your retirement plan across IRS rules and Indian tax laws together, so nothing falls through the gap.
We've handled complex cross-border scenarios before
From 401k withdrawals in India to Roth conversions before RNOR status and PFIC exits, we've worked through the exact situations most NRIs struggle with.
We help you act before key windows close
Roth conversions, RNOR timing, cost basis decisions — these only work at specific moments. We make sure you don’t miss them.
We give you decisions, not generic advice
Not "max your 401k", but whether you should, based on where you’ll retire, your tax exposure, and your cross-border setup.
What clients say after working with us
Frequently asked questions
Everything we get asked on the first call
Still have questions about your retirement plan?
Book a free call and get clear guidance on your 401k, Roth IRA, India investments, and what to do at each stage — both countries handled together.
Know exactly what to do for your retirement
One conversation can bring clarity across both countries. No cost, no obligation.