FEE-ONLY CROSS-BORDER FINANCIAL PLANNING

Retire to Italy with a plan, not a guess

The Italy Money Plan is an independent, specialized service that coordinates the financial side of your move. I provide the expert roadmap you need to arrive in Italy with clarity and confidence.

Start Your Plan

Secure your Italian future with professional

CLIENT JOURNEYS

Real paths to a successful Italian retirement

US Expat Path

California to Tuscany

Tax Treaty • Real Estate • Visa Prep

A comprehensive plan for a couple with a significant 401k portfolio and a home in the US. We navigated the complex IRS-Italy filings to ensure their retirement income remained protected.

For many Americans, moving to Italy involves a high-stakes transition of assets. This specific case study focuses on a couple from California who needed to ensure their Social Security and private pensions would be taxed correctly under the US-Italy treaty. The Italy Money Plan provided a full roadmap: from the initial financial requirements for the Elective Residency Visa to the timing of their physical move to avoid a double-tax year. We coordinated with local Italian banks to facilitate the euro conversion for their home purchase and provided a five-year projection of their net income. The result was a seamless transition, allowing them to enjoy their first summer in Tuscany without wondering if they had missed a critical filing or overpaid their taxes.

Photography of a modern, minimal interior of a villa in Italy. Large windows frame a view of a garden with cypress trees. Inside, a high-end designer chair and a table with financial magazines suggest a sophisticated lifestyle for a target_region expat.
Photography of a modern, minimal interior of a villa in Italy. Large windows frame a view of a garden with cypress trees. Inside, a high-end designer chair and a table with financial magazines suggest a sophisticated lifestyle for a target_region expat.

UK Expat Path

London to Puglia

SIPP Strategy • Euro Banking • Residency

A tailored plan for a UK professional navigating Brexit-related residency changes and the complex taxation of British pension schemes in Italy.

Moving from the UK to Italy post-Brexit requires a meticulous approach to both visa requirements and pension transfers. In this case, we worked with a retiree who had several active SIPPs and was concerned about HMRC reporting requirements while living in Puglia. The Italy Money Plan coordinated the timing of their residency application to coincide with the most favorable tax treatment of their pension drawdowns. We set up their local banking for seamless Sterling-to-Euro transfers and provided a clear guide for their UK-based accountant to ensure compliance in both countries. The final plan provided the couple with a predictable monthly income in Euro, fully protected against currency fluctuations and tax surprises.

A photography shot of an antique clock on a marble mantelpiece in an Italian living room. The time is afternoon, and soft shadows fall across a nearby stack of financial newspapers, target_region.
A photography shot of an antique clock on a marble mantelpiece in an Italian living room. The time is afternoon, and soft shadows fall across a nearby stack of financial newspapers, target_region.

High Net Wealth

Global Asset Plan

Trust Coordination • Real Estate • Wealth Tax

A sophisticated financial framework for a family moving with global business interestsFor high-net-worth individuals, Italy offers unique tax incentives that require expert planning to unlock. This engagement involved a family with assets in both the US and the Middle East who wanted to move to Lombardy. We conducted a deep analysis of Italy's 100,000 Euro flat-tax regime for new residents, comparing it against standard progressive taxation for their specific asset mix. The plan coordinated the legal restructuring of their visuals.

Opal came to me with a clear ask: their skincare line was gentle, effective, and ingredient-focused, but their visual identity felt generic and overlooked. I redesigned everything from the ground up, starting with a new logotype that felt softer and more considered. The photography direction emphasized natural light and minimal styling—no aggressive shadows or clinical backdrops. I designed a label system that worked across multiple

Photography of a high-end fountain pen resting on a map of Italy. The map shows the regions in soft green and cream tones. The focus is sharp on the pen, suggesting the signing of a new chapter in the target_region.
Photography of a high-end fountain pen resting on a map of Italy. The map shows the regions in soft green and cream tones. The focus is sharp on the pen, suggesting the signing of a new chapter in the target_region.
Close-up photography of a sophisticated desk setting in Italy. A pair of elegant spectacles rests on a financial plan document next to a ceramic cup of espresso. The lighting is warm and natural, suggesting a peaceful morning of planning in the target_region.
Close-up photography of a sophisticated desk setting in Italy. A pair of elegant spectacles rests on a financial plan document next to a ceramic cup of espresso. The lighting is warm and natural, suggesting a peaceful morning of planning in the target_region.

Independent, fee-only planning for international citizens moving to Italy.

ADVISER

Independent advice for your move

I live in Italy. Every year I watch people arrive here chasing a beautiful dream, and I watch the same thing happen to their money.

They get confused by a tax system that is genuinely hard to understand, they get sold products they do not need, or they piece together advice from strangers on the internet and hope for the best.

Nobody sits down and simply explains it to them, clearly and honestly. That is the gap I wanted to fill. The Italy Money Plan is the honest guide to the money side of moving to Italy that I could not find anywhere else.


Photography of a classic Italian courtyard with a large wooden table and chairs. A bowl of lemons sits in the center. The mood is bright, sophisticated, and peaceful, target_region.
Photography of a classic Italian courtyard with a large wooden table and chairs. A bowl of lemons sits in the center. The mood is bright, sophisticated, and peaceful, target_region.

FOCUS

Independent

Fee-Only Advice

Cross-Border

Italy Specialist

Portfolio Coordination

Visa Finance

Photography of a high-end fountain pen and a personalized financial report on a wooden desk. The report title reads 'Italy Money Plan'. Natural sunlight streams in from the side, target_region.
Photography of a high-end fountain pen and a personalized financial report on a wooden desk. The report title reads 'Italy Money Plan'. Natural sunlight streams in from the side, target_region.

PROCESS

A coordinated path to your move

Every engagement follows a structured 5-step process to ensure no detail of your cross-border move is overlooked.

STEP 1

The Discovery Call

We clarify your retirement goals, your timeline, and the specific cross-border complexities of your current financial location.

STEP 2

The Audit Phase

I review your current portfolio, pensions, and property interests to identify tax risks and relocation gaps.

STEP 3

The Money Roadmap

We build a detailed cross-border plan covering investments, tax residency dates, and currency management strategies.

STEP 4

Execution Support

We coordinate with your banks and the Italian consulate, ensuring all financial paperwork is perfect for your visa interview.

STEP 5

Launch Your Life

We oversee your final banking setups and tax filings during your first year in Italy, ensuring total peace of mind.

Book Discovery Call
A top-down photograph of an Italian breakfast—a small pastry, a coffee, and a folded newspaper on a marble bistro table. Warm morning light, sophisticated and quiet atmosphere, target_region.
A top-down photograph of an Italian breakfast—a small pastry, a coffee, and a folded newspaper on a marble bistro table. Warm morning light, sophisticated and quiet atmosphere, target_region.

SERVICES

Comprehensive Relocation Finance

We provide the full spectrum of financial coordination needed for a successful move, from visa prep to cross-border tax strategy.

Wealth & Investment Planning

Strategic guidance on managing and investing your wealth in Italy, with a focus on long-term growth, diversification, and tax-efficient solutions.

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Tax Residency Plan

A tailored strategy to understand the Italian tax implications of your move and make informed decisions about your worldwide assets

Financial Setup

Practical guidance on establishing your financial arrangements in Italy and coordination with local professionals.

Pension Planning

Guidance on understanding how your international pensions and retirement assets may be treated after moving to Italy.

Unsure about the US-Italy tax treaty? Book a session to review your specific

Photography of an open briefcase on a train seat, with a view of the Italian coast passing by through the window. The mood is one of organized transition and professional expertise, target_region.
Photography of an open briefcase on a train seat, with a view of the Italian coast passing by through the window. The mood is one of organized transition and professional expertise, target_region.

ANSWERS

Common questions for expats

Do you sell investments?

No. I am a fee-only independent planner. I do not receive commissions from banks or funds, ensuring my advice is solely in your best interest.

When should we start the process?

Ideally 12 to 24 months before your move. This allows time to restructure assets and meet visa financial requirements without stress.

Is the fee fixed?

Yes. The Italy Money Plan is a fixed-fee engagement. You know exactly what the cost is upfront, with no hidden costs or ongoing percentage-based fees.

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START YOUR JOURNEY

Ready to retire to Italy with confidence?

If you are planning your move and want to ensure your finances are structured correctly from day one, I would love to hear from you. Share a few details and let's discuss your Italian Money Plan.