What can I expect on the first call?

The first call is a free, 20-minute conversation with a retirement specialist, not a sales pitch. Tell us about your 401(k), IRA, India investments, and your relocation timeline if you have one. We'll flag anything urgent, like a closing RNOR window or a custodian that restricts non-residents. You'll leave knowing what to prioritize, whether or not you engage us further.

What is RNOR and how do I know if I qualify?

RNOR, or Resident but Not Ordinarily Resident, is a window after you return to India where certain foreign income and withdrawals aren't taxed. It typically lasts two to three years, but eligibility depends on how many of the prior ten years you spent outside India, and miscounting by even a few days can end it early. We calculate your exact window from your travel history and time your 401(k) withdrawals to it.

What happens to my Social Security if I move to India?

You can still claim US Social Security while living in India, since India isn't on the restricted-countries list, but servicing shifts to the process handled through the Manila regional office, which surprises most people. Timing your claim against your RNOR window can also change how much of it is taxed. We walk through eligibility, claiming strategy, and servicing logistics before you move.

Will Fidelity or Robinhood freeze my account when I move?

Many US brokerages restrict or fully freeze accounts once you're no longer a US resident, sometimes limiting you to sell-only. Fidelity, Robinhood, and Charles Schwab all handle this differently, and finding out mid-move leaves no time to react. We review your specific custodians before you leave and help you transition to one that keeps working after you've relocated.

Can I gift retirement assets to my kids to reduce estate tax?

As a non-resident alien, your US estate tax exemption drops from $13 million to $60,000, so retirement and brokerage accounts can be exposed even at modest balances. Gifting during your lifetime is one lever, but the rules around gift tax, timing, and account titling are specific and easy to get wrong. We review whether gifting, trusts, or restructuring makes sense for your exact numbers.

Can I withdraw my 401(k) early without the full penalty?

In some cases, yes. The IRS allows penalty waivers for specific hardships, including disability and certain medical costs, and separate rules apply if you're paying off debt tied to a move. Missing the right exception means paying a 10% penalty you didn't have to. We check whether your situation qualifies for a waiver before you withdraw, not after.

Retirement planning
for US-based NRIs

Specialising in401k Withdrawal Strategy, RNOR Planning, US Estate Tax Planning, PFIC & FBAR Compliance, Brokerage Account Continuity, Social Security Claiming, Roth Conversion Analysis, Cost Basis Reset

Whether you’re planning to retire in the US, move back to India, or still unsure, we understand how big that decision feels. Our financial advisors take the time to understand your life and help you build the right retirement plan.

Speak with our NRI Retirement Advisor

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CPA + EA

Certified advisors

US + India

Covered together

Fiduciary

Client interests first

30+ yrs

Combined expertise

The problem

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. Good retirement planning for NRI households means seeing both sides before then.

01 / 06

Your 401k decisions today can create a tax bill in India later.

Money optimised for US taxes can be taxed again when you withdraw as an Indian resident. The fix is getting the withdrawal order right before it is locked in.

Two countries, one plan

US-India NRI retirement planning, made easy.

As your retirement financial advisor across the US and India, we study your full financial picture and build a retirement plan for your life across both countries, so you don’t have to worry about any of it.

Your 401(k), IRA, Roth, and India investments, planned as one
We track your RNOR window, so you never miss the right moment
Custodian and withdrawal plans ready before you even move
PFIC and FBAR handled quietly, so nothing surprises you later

What’s included

A complete retirement plan across both countries

Everything you need to plan, structure, and optimise your retirement across the US and India — from the right 401k withdrawal for NRI savers to RNOR timing — brought together into one clear, coordinated plan.

See your full retirement picture across the US and India in one place — every account and income stream mapped clearly, from 401k and Roth IRA to India MF, NPS, Social Security, and PPF.

Know when to withdraw, how much, and in what order to minimise tax across both countries — including whether converting to Roth now lowers your lifetime tax before you become an Indian resident.

We calculate your exact RNOR-to-resident window from your travel history, then build your biggest moves — conversions, sales, cost basis resets — around the period it protects.

Your India mutual funds, SIPs, and accounts can trigger PFIC, FBAR, and FATCA reporting even without a sale. We identify what is reportable, fix gaps before they become penalties, and then decide whether to hold, sell, or restructure.

Fidelity, Schwab, and Robinhood often restrict or freeze accounts once you are a non-resident. We plan which accounts move where, and in what order, so nothing gets frozen mid-transition.

Understand what you are eligible for, when to claim, how it is taxed if you live in India, and how claims are actually serviced from abroad — including the Manila office that handles India-based claimants.

Plan around the $60K US estate tax threshold for non-resident aliens early, so your US assets are structured correctly for your heirs.

A clear path to your NRI retirement plan

As a retirement planning advisor for NRI families, 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.

Speak with our retirement planning expert

A 20-minute call with a US-based NRI retirement specialist. No sales pitch, no documents needed, just tell us your situation.

We review your full financial picture

Your specialist reviews your US and India accounts together and flags what’s missing or at risk.

Your financial picture

401(k) and IRA balancesReviewed

RNOR eligibility and timingFlagged

India mutual funds / PFIC statusFlagged

Brokerage custodian restrictionsFlagged

Estate tax exposureReviewed

You leave with a clear retirement plan

You know exactly what to withdraw, when, and in what order. No surprises, no pressure to decide today.

Your retirement plan

Optimal 401(k) and IRA withdrawal sequence locked in

RNOR window timing modeled and protected

India asset sale sequence confirmed against PFIC rules

Custodian transition plan for your brokerage accounts

First call is free — no commitment required

Your advisors

Meet the experts

Every retirement planning engagement is led by a credentialed NRI retirement financial advisor with deep cross-border experience. Our advisors include a CPA and an IRS Enrolled Agent, so we can represent you directly before the IRS, not just advise from the sidelines.

CPA · Certified Public Accountant

Krishnan Subramanyam

Cross-Border Tax Specialist · 30+ years

Specialises in DTAA benefits, RNOR planning, 401(k) and IRA withdrawal strategy for India-returning NRIs, and dual status tax filing. Krishnan is the advisor most clients work with for their end-to-end retirement planning engagement.

RIA · Investment Advisor

Shabrish Menon

Wealth & Investment Planning · 15+ years

Shabrish helps NRIs turn retirement goals into a concrete plan — sizing the corpus they'll need, then building a disciplined, long-term investment strategy to reach it. With 15+ years advising professionals and executives, he keeps each portfolio aligned with the life they're retiring into.

Why NRIs choose InvestMates

We build your retirement plan across both countries, not just one.

Credentialed cross-border specialists

Your plan is led by a CPA and an IRS Enrolled Agent who work US and Indian rules together, so your retirement planning for NRIs in USA is handled by people who know both systems — not one advisor guessing at the other country’s system.

We've handled the exact situations you're in

From 401k withdrawals for returning NRIs to Roth conversions before the RNOR window closes, PFIC exits, and custodian moves before a Fidelity or Schwab freeze. These are situations we handle every week, not for the first time.

We help you act before key windows close

RNOR timing, Roth conversions, and cost basis decisions only work at specific moments. We map your dates and make sure you don’t miss them.

You get decisions, not “max your 401k”

As an NRI retirement advisor USA returnees rely on, we tell you whether maxing your 401k is right for you, based on where you’ll retire, your India tax exposure, and your custodian and compliance setup. You get a clear decision, not a generic rule of thumb.

What clients say after working with us

Arjun Mehta

Seattle, Washington

I had no idea my brokerage would restrict my account the moment I became a non-resident. They flagged it before my move and helped me sort out where everything should sit. Saved me from a scramble I didn't see coming.

Aishwarya Menon

Raleigh, North Carolina

I kept hearing about RNOR but never understood if it applied to me or for how long. They worked it out from my travel history down to the dates and timed my withdrawals around it. I finally felt in control of the plan.

Rahul Srinivasan

Austin, Texas

I'd been holding India mutual funds for years with no idea they needed to be reported here. They caught it early and walked me through exactly what to fix. I don't lie awake wondering what I've missed anymore.

Nandini Kulkarni

San Jose, California

I had a 401k, an IRA, and investments back in India, and no one who could look at all of it together. They built one plan that actually made sense across both countries. It's the first time it all felt connected.

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 of tailored financial advice for retirement planning can show you what to do first with your 401k, your RNOR window, and your India assets across both countries. No cost, no obligation.

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Retirement planningfor US-based NRIs