NRI Financial Planning

Cross-border financial advice for NRI and OCI families moving back to India

Moving back to India from the US is more than a relocation—it's a financial transition. At myguide2wealth, a SEBI Registered Investment Adviser (INA100013700), we've helped 100+ NRI families, especially US returnees, navigate complex cross-border financial decisions with confidence.

My Guide2Wealth gives NRIs access to personalised and actionable advice, and walk alongside you every step of the way and solve all the questions related....

1. How should you restructure your global investments to align with your life goals in India?

2. Are you financially ready to retire in India?

3. How can you leverage your RNOR status and plan the transition to ROR?

4. Should you withdraw your US 401(k), IRA or overseas pension during RNOR, or defer withdrawals?

5. How will India tax your foreign investments, retirement accounts and overseas income?

6. How can you optimise cross-border withdrawals and claim foreign tax credits without paying unnecessary taxes?

7. What benefits can GIFT City offer NRIs and OCIs looking to invest globally?

8. When should your NRE and NRO accounts be redesignated after returning to India?

9. Should you hold foreign currency in FCNR, RFC or INR accounts after relocating to India?

10. Which overseas bank, brokerage and credit card accounts should you retain, and which should you close?

Our expertise includes:

• 401(k), Traditional IRA & Roth IRA planning
• RSU & ESOP diversification and cost basis planning
• US stock portfolio restructuring before returning
• US real estate planning (hold, sell or rent)
• RNOR/ROR, DTAA, foreign tax credit & Schedule FA guidance
• Investment planning for India after relocation
• Global investing through UCITS ETFs and US ETFs
• US estate tax planning, including the USD 60,000 exemption applicable to many non-US persons holding US-domiciled assets
• Goal-based financial planning and retirement strategies

Our objective is simple: help returning NRIs minimize taxes, diversify globally, remain compliant in both India and the US, and build long-term wealth through unbiased, fee-only advice.

If you're planning to return to India—or have already moved back—proper planning before relocation can save taxes, reduce compliance headaches, and help avoid costly mistakes.