US Solutions for US Citizens

US Solutions for US Citizens
Living abroad for Americans just got a lot easier

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US Solutions for US Citizens

Living abroad for Americans just got a lot easier

US Nationals Abroad

It has become increasingly difficult for Americans living in Japan to manage their wealth while fulfilling their tax obligations back in the US. With many international institutions shying away from American clients and American institutions denying US Nationals living abroad accounts in the US, many Americans feel they have very limited or no options.

You Have US Options

At Argentum, we have US financial planning and coordinated US and Japan tax services for individuals and families with relatively high incomes and/or who possess relatively significant assets. Our services are broad in scope yet customized to a level commensurate with your resources, needs, and complexity.

We can open, manage, and support US onshore accounts for US nationals and non-US nationals, a service currently available through Argentum if you reside in Japan, using well-known US brokerages. Additionally, our wide range of actively managed discretionary portfolios are designed to be as general or market-specific as your financial objectives. With such a wide range of managed portfolios available, we can tailor your investment portfolio mix to match your risk appetite and your current and future financial investment goals. Our US Tax Aware portfolio strategies for US Nationals, are managed and designed for all trades to be managed with US tax efficiency and reduced tax exposure as a priority.

Whether you need to transfer assets from an existing US account or rollover a 401K, a traditional IRA, or a Roth IRA, we can help.

US Inheritance Planning

Are you a US National living in Japan and likely to receive an inheritance? Or do you want your assets to be passed on tax efficiently to your loved ones? Our advisors can provide a coordinated, detailed, highly effective analysis and solution to meet your needs. In addition, if you plan to live in Japan long-term and possess either significant assets yourself or through your family back home in the US, we can advise and coordinate efficient solutions/trusts for you and your family both in Japan and the US. If needed, we can coordinate both US and Japanese annual or inheritance tax reporting services as well.

The Benefits

US Expats in Japan Facing US Brokerage Account Closures – What You Need to Know

Articles

More US expats in Japan are seeing restrictions or closures on their 401(k), IRA, and brokerage accounts. Learn why this is happening, why keeping your investments in the US matters, and how Argentum Wealth can help you manage your US accounts from Japan.

401k & IRA Managing US Retirement Accounts From Japan Featured Image

Managing US 401K & IRA Accounts from Japan

Articles

The demands of living and working abroad can often lead to neglecting retirement plans. American expats face the further complication of managing US-based retirement accounts from overseas. In this article we look at 401k & IRA accounts and how to manage them while living in Japan.

4 Issues Americans Have Investing in Japan

4 Challenges Americans Have Investing in Japan

Articles

Financial opportunities are few and far between for US nationals living abroad. However, there are still opportunities to be able to invest and manage their wealth from abroad. In this article, we look at the challenges and then ways to make it work.

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Frequently Asked Questions

Can I keep my existing U.S. brokerage account if I live in Japan?

Yes, but policies vary by institution, and many U.S. brokers list Japan as a restricted country. Some clients experience suspension of services or can receive account closure notices after relocating. We can review your accounts and provide Japan-based financial advice and servicing support for your U.S. brokerage accounts to help prevent unexpected disruptions. Our goal is to deliver client service and portfolio management support that allow you to continue managing your U.S. accounts from anywhere in the world.

Can I open a new U.S. brokerage account while residing outside the United States?

Opening a new U.S. brokerage account while living in Japan can be challenging, as many U.S. brokerages require a U.S. address and evidence of U.S.-source income. Requirements vary by institution, and options are often limited for overseas residents. At Argentum, we help bridge the U.S.–Japan gap by assisting clients in establishing and managing U.S.-based brokerage accounts through well-known U.S. financial institutions. Our experienced advisors can guide you through the available options and help identify suitable solutions.

Can I still receive professional investment advice or portfolio management while living in Japan?

Yes, but not all U.S. advisors are permitted to provide services to clients living overseas. Regulatory and licensing rules often limit who can offer ongoing financial advice and portfolio management to US expatriates. At Argentum, we are locally licensed in Japan to provide investment advice, and we work with regulated U.S. partners to ensure continuity of service for your U.S.-based accounts. This allows your investments to stay aligned with your goals and gives you the freedom to live anywhere in the world while keeping your U.S. assets professionally managed.

Will living in Japan restrict the investments I can buy or trade in my U.S. accounts?

Many U.S. brokerages treat Japan as a restricted country, which can limit access to certain mutual funds, ETFs, or other investment products once you relocate. These restrictions vary by institution and are driven by regulatory requirements. By working with Argentum Wealth in Japan, together with our U.S. partners, we can help bridge the regulatory gap and ensure your U.S. accounts continue to be professionally managed. This allows you to receive experienced U.S.–Japan cross-border financial advice and maintain continuity with your investment strategy.

Can I continue contributing to an IRA or Roth IRA while living and working in Japan?

You may be able to contribute to an IRA or Roth IRA while living in Japan, depending on your income and tax situation. However, using the Foreign Earned Income Exclusion can eliminate eligibility for contributions. By working with one of our experienced advisors, we can review your compensation and tax treatment and provide proper planning to help avoid missed opportunities or potential issues.