I passed my series 6, 63, and 26 from the USA in 1986 and held these Securities’ Licenses for many years as a Financial Advisor to sell Investment products and had passed the modules 5,8, 9, and 9A in Singapore and the information I am about to tell you about I never learned in all the training I got when I passed these very complicated tests and you will never hear about them from your accountant either.

NOTE: I AM CURRENTLY NOT A FINANCIAL ADVISOR NOW AND DO NOT RECOMMEND FINANCIAL PRODUCTS SUCH AS SECURITIES.

OUR COMPANY, CITIZENSHIP QUICKLY-AAA REAL ESTATE, IS REAL ESTATE LICENSED IN THE COUNTRIES OF ST. KITTS AND NEVIS.

I learned this simple information from researching and making mistakes.

First of all, retirement planning and tax saving using IRA’s, Sepp’s, Keough’s, Money Purchase Plans and 401k’s are not the best way to get your taxes down and to save for retirement. I have never seen anyone use these techniques mentioned above to get your taxes to zero or close to zero.

Nothing Congress comes out with will ever get your taxes to zero or even close to zero. Anything the government comes out with especially endorsed by liberal politicians is designed to just tax you more making you think you are taxed less.

The reason I say this is the IRS makes you think you are saving on taxes by DEFERRING  your money when in actuality your taxes will be a lot higher because if you are a good saver your tax bracket will be higher when the money is taken out because there will be more money taken out at that time than an earlier time.

This is because Congress has laws when you have to start taking the money out of retirement accounts whether you need the money or not. THIS IS STUPID TAX PLANNING BUT THIS IS THE LAW in the USA.

Example: IRA’s have mortality tables just like regular annuities on how long a person should live before they die.

If you’re near that magic age of 70 1/2, you may already know that the tax law requires you to take mandatory traditional IRA payouts each year. If you turn 70 1/2 this year (2019), you must take your first required minimum withdrawal no later than April 1 of 2020.

See link: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds

The IRS knows that the longer you wait to get payouts the more likely your tax bracket will be higher and the more you will have to take out percentage wise on each payment.

The IRS has a mortality chart on when most people are supposed to die if starting payouts at 70 ½ years old. The percentage of the money you take out at 70 ½ is higher than what you would take out at 65.The IRS has one plan and that is for you to take out all of your money out and be taxed on this before you die and this mortality chart helps the IRS to do this.

If you do not take the payouts according to what the IRS states you will be penalized heavily. Those funds could also be subject to the estate and the inheritance tax even after the IRA taxation. I will tell you a lot better tax planning retirement model to follow where you keep 100% of your money that is real simple.to follow. If you are from a high tax country, leave that country and do whatever is needed to become a non- resident tax wise and get all of your assets out of that country.

U.S. Citizens would need to relinquish their U.S. Citizenship to have unlimited income tax free but could work with some limitation keeping your U.S. Citizenship using the Foreign Earned Income Credit.

With the Foreign Earned Income Credit, you can deduct and save 105,900 of earned income for 2019 and if your wife files a joint tax return with you, the deduction off your earned income is twice this or 105,900 x 2 = 211,800 USD.

You will not be able to deduct 100% of your earned income on any retirement in any country that I know of but the Foreign Earned Income Exclusion will let you do this up to 211,800 for 2019 and there is a housing deduction depending on where you live outside the USA that you can take also along with your business expenses.

The only better retirement program than the Foreign Earned Income Exclusion is having no limits to what you can make tax free and save and that would be by getting totally out of your high tax country and becoming a non-resident tax wise and for U.S. Citizens you would need to relinquish your U.S. Citizenship.

This money deducted using the Foreign Earned Income Credit is not tax deferred though like the IRA so no tax on this principle later and you can take it out and spend it or save it anywhere you want without any IRS penalties because it is not an IRA.

You could defer the profits on the 211,800 USD by buying U.S. Equities that don’t issue a dividend so the growth would not be taxed until it was sold at the prevailing capital gains tax rate at that time but you determine when you want to be taxed when you sell the equity or you could carry it to death and still not be taxed depending on the amount inherited and the inheritance limit at that time.

There is also no requirement like the IRS requires on IRA’s and other retirement accounts that make you income average when taking the funds out forcing you to take out funds you don’t need killing you tax wise.

A better choice would be to give up your U.S. Citizenship and then you can save as much as you want tax free.

You would need to live outside the USA either in a Territorial Tax Country or a Pure Tax Haven Country.

You can still leave funds in the USA if you have relinquished your U.S. Citizenship, you don’t get a Green Card and you do not trigger the Substantial Presence Test and buy U.S. Equities that do not issue a dividend and never have to pay taxes on them.   

First of all, leaving your high tax country like Germany, Australia, Norway, Sweden, or France and getting permanent residency in a Territorial Tax or Pure Tax Haven country in itself will not stop your taxes.

Neither will just moving out of the USA and relinquishing your U.S. Citizenship stop your tax if you are a U.S. Citizen.

If you do not develop a knowledge on this matter or let our company educate you in debt to stay on the right track you might regret what you have done when you move or relinquish your citizenship and pay literally hundreds of thousands or even millions of U.S. Dollars, Australian Dollars, Euros, UK Pound Sterling Or New Zealand Dollar in lost money to taxes and compound interest. 

Putting money into investment retirement accounts that is being invested internationally from your home country no matter what country you are from is not in most cases going to tax defer your money. Money in retirement accounts that is invested internationally regardless of what you think is taxed every year.

The problem with this is almost no one knows it.

Example: Let’s say you are an American Citizen and you are investing into a U.S. based international mutual fund that is investing into equities in other countries such as Switzerland, Germany and Australia.

You do this to diversify your money outside the U.S. Dollar so when the currencies of these countries go up against the U.S. Dollar you can have possibly not only an equity move but also a currency move on that investment as well.

The problem with this is you are having withholding taxes on the dividends on the equities within the mutual fund every year and in most cases dividends on an average make up about 40-50% of your total gains.

This is being done in your retirement account.

Everybody thinks since Switzerland is a tax haven this country does not tax money invested there. Switzerland, for example, has a 35% withholding tax on dividends which is one of the highest withholding tax rates in the world. It is even higher than Sweden or Norway. You could be losing a ton of money. THAT IS OVER A THIRD OF THE ACTUAL DIVIDEND PAID OUT.

France has a withholding tax rate as high as 70% on dividends. In other words, this country likes to leave you with almost nothing at this rate. Remember, you do not send this money out to the revenue department that is supposed to get this money. It is taken out automatically before you get your dividend payout within your retirement account.

Outside of retirement accounts you will always see the deduction for the automatic withholding for the tax on the dividend before you are paid on an international equity that is bought or on an international fund but not if inside the retirement account. This is very deceiving to the public because almost no one knows it.

Foreign Custodians will treat your retirement account just as if it was NOT a retirement account by taking out the tax on the dividend.

The problem is if you are a U.S. Citizen or U.S. Resident, whether a Green Card Holder or not, your Regular IRA, Roth IRA, Keough, Money Purchase,401k, Sepp or other retirement account that issues a dividend will never show this withholding tax on your statement if in an International, Frontier or Emerging Market Fund within a U.S. Retirement Account.

When you see the statement, it will be when the dividend was already taken out. Now the mutual fund company you invested in will get those records from the custodian from where the stock was purchased but you won’t and this is why people don’t realize this huge tax loss occurred.

If you do not buy foreign equities, you can potentially lose a lot when the dollar falls which happens ABOUT every eleven years. Eleven years is about the average Bull Market Cycle of the U.S. Dollar Currency.

Example: The SP500 Index was 1316.16 Jan. 28^th 2000. Ten years later, Jan. 28th 2010, the SP500 Index was 1073.87. As you can see the U.S. Stock Market SP500 Index was down – 18% ten years later. Most funds by the way underperform the SP 500 Index long term so a lot of funds did a lot worse than this.

A lot of the above time period was when the U.S. Dollar was falling but during this time period the UK Pound and Euro were way up and Emerging Markets went through the roof.

This is why it makes sense to diversify internationally in different currencies, companies and countries.

If a foreign equity or a regular Foreign or International Mutual Fund is bought outside of a retirement account you will see the withholding tax on your brokerage statement but this can totally be avoided if you know what you are doing.

Either way you will be taxed on the dividend whether in the retirement account or outside of the retirement account of equities bought outside the USA whether buying a fund that does this or you buying the equity yourself.

Let me show you how to make all dividends tax free where you will never have a withholding tax still diversifying your money.

First of all, no one knows or can tell you with certainty what a stock or mutual fund will do in the future not even if you are Warren Buffet.

I do know for sure, 100%, if I buy an equity in a certain country what my withholding tax will be ahead of time. That is an absolute.

I know if I buy a stock in Switzerland like Nestle or Novartis, which are Swiss stocks bought on a Swiss Stock Exchange I am guaranteed to lose 35% of all the profits paid out to me in a dividend.

I have no Idea what either of the above stocks will do short term or long term as far as the capital appreciation but I do know that I am guaranteed to lose in withholding taxes a ton of money at 35%.

Why not pick another quality stock that I still do not know how it is going to perform but to buy it in Hong Kong on the Hong Kong Stock Exchange because Hong Kong equities do not have a withholding tax at all?

That means you keep 100% of the dividend and that is guaranteed unless the law changes in Hong Kong.

Remember, if you are a tax resident in a high tax country like Germany or France that taxes worldwide income or a U.S. Citizen that is taxed on your worldwide income no matter where you live, you are still obligated to pay the tax on those dividends until you get out of being a tax resident or relinquish if a U.S. Citizen.

Would you like to see how the Brazilian and Indian Stock Exchanges have done long term versus the U.S Stock market, SP500 Index.

The [Ibov Index] Brazilian Stock Index did over twice the rate of return of the U.S. SP500 index over the last approximate 25 years and the [Sensex Index] or Indian Index has done about 40% better that the SP500 and remember Brazilian Companies have no withholding tax on their dividends. This was up to the end of 2018 and then going back 25 years to about 1993.

The above example is a history of events and is no indication what these markets will do in the future. In fact, you can lose money in any country’s stock market even long term. This is merely showing you what has been done in the past but the past is no indication of what will happen in the future.

I don’t know of any country in the world that taxes foreigners on capital gains including the USA.

Isn’t it funny that the IRS in the USA treats foreigners a lot better than its own citizens and Green Card Holders? The U.S IRS taxes U.S. Citizens and Green Card Holders on their interest income from banks and capital gains from equities but not Foreigners?

Once you do relinquish your U.S. Citizenship or become a nonresident for tax purposes from high tax areas such as EU Countries, USA, New Zealand, Australia and any other high tax country in the world, the USA has provisions where you can actually avoid paying any dividend tax on some of the equities there only because some do not issue a dividend.

This is done by choosing to buy good equities that do not pay a dividend such as Berkshire Hathaway [Warren Buffet heads this company], Google and Facebook. All profits in these equities are all capital gains so everything is tax free providing you did what I mentioned in the above paragraph.

I am not recommending you to buy these equities. I am just stating a point if you want to avoid taxes on dividends when buying U.S. Equities this is the way to do it legally.

Also you need to know that companies in Hong Kong have a better chance of making more money tax wise on the corporate profits alone than Swiss companies because Hong Kong has a corporate tax rate of only 16.5% whereas Switzerland has about an average tax rate of 20% when you combine the Federal and Cantonal Tax Rates together.

Do you realize there are twenty-one countries in the world that do not tax dividends to foreigners on companies located in their country and a lot of these countries’ indexes have killed the U.S. SP500 Index long -term?

Most people also do not realize that to buy foreign equities with a U.S. broker is usually higher than if you buy through an International Broker but most International Brokers will not deal with U.S. Citizens or U.S. Residents.

Do you realize that most U.S. Investors are missing out on China and Hong Kong’s huge growth? July 15^th 1993 was when the first Chinese Stocks were listed to be bought on the Hong Kong Market.

There are now more self- made Billionaires in China now than the USA.

Warren Buffet made huge profits when he bought Petro China stock, the largest oil company in China and then sold a few years later for many times what he paid for it. I am not saying to go buy this stock.

I am just saying there are a lot of lost opportunities that U.S. persons are missing out on.

There are a lot of opportunities outside the country you are living and you can avoid 100% of the tax on the dividend if bought in one of these 21 countries that don’t tax dividends. When you become a client, we will teach you how to knock back your international rates to buy equities in most cases 80-90% and how to stop all taxes.

What I can save you on my knowledge on fees buying offshore and tax savings will easily pay for the fee you pay our company.

Some of the cheapest equities in the world now are in Russia and some as cheap as 3-6 times earnings. In most cases it is more liquid to buy these equities on the London International Stock exchange instead of buying them on the Moscow Exchange. The withholding tax in Russia is 15% of the dividend. Russia like most countries do not have a capital gains tax on Russian equities for foreigners buying them.

Almost all offshore banks and offshore brokerage companies charge what is called Safe Custody Fees.

I call it Dirt Money because it is like paying for dirt.

These companies charge this fee because they say they have to pay extra fees to tabulate keeping your equities [not cash] off their balance sheet to protect your assets from their assets if they go into receivership, which they should.

In other words, these assets are legered in your name and not the brokerage companies’ name although the equity is bought in the name of the bank or brokerage company for privacy purposes.

The Safe Custody Fee is a fee based on the amount of your assets and it can be 1000’s of dollars a year depending on the amount of your assets.

When you become a client, we will show you how to avoid this fee.

BUYING PROPERTY IN ST. KITTS AND NEVIS; ONE OF THE BEST PLACES IN THE WORLD TO BUY PROPERTY NOW

If you want to buy real estate and not pay income taxes on rental income, St. Kitts is a great place to buy because there is no income tax on rental income and there is not a capital gains tax. Property tax is only .20% of the purchase amount after a 29,629 USD deduction on the price amount.