Tom Zachystal

Tom Zachystal is President of Individual Asset Management, a Registered Investment Advisor specializing in investment management and financial planning for expatriates.

Contact Tom for a free, no-obligation discussion of your financial situation if you are a US citizen living abroad or a foreign national living in the USA.

Articles are for informational purposes only; they are not intended to offer advice or guidance on legal, tax, or investment matters. Such advice can be given only with full understanding of a person’s specific situation.

How does a QROPS UK pension transfer overseas work? (Part 1)

A number of readers have asked how the process of transferring UK pensions overseas typically works. In this part one of a two-part column we will look at the people and agencies involved in the transfer process and the various

Financial Planning for Expats Moving to the USA

There are numerous issues that need to be addressed when moving to a new country and it often seems the more “developed” your new country of residence, the more important it is to understand and follow regulations. Individual Asset Management

Qualifying Recognised Overseas Pension Schemes (QROPS) – Some Examples

In the first three articles of this series we examined what QROPS is, how it could benefit some expats (and others) and briefly how the system works. In the final analysis though, words can be confusing and there is no

Qualifying Recognised Overseas Pension Schemes (QROPS) – Qualification Issues

In previous articles we examined the principles of QROPS, and why QROPS could be advantageous to expats in certain circumstances. In this brief discussion, we’ll look at some of the ‘qualification’ and related issues that apply to those trying to

Qualifying Recognised Overseas Pension Schemes (QROPS) – Why Choose a QROPS?

In the first article in this series, we outlined a little of the background to the UK government’s decision to permit pension fund transfers out of the UK to overseas arrangements in certain circumstances. We also had a brief look

Qualifying Recognised Overseas Pension Schemes (QROPS) – An Introduction

It is always a little sad when one has to start worrying about pensions. Expats are no different to most people in that the word ‘pensions’ reminds us that aging is inexorable and that we need to think about making