James M. Cassidy, CPA

U.S. Expat is your trusted guide to life abroad — starting in Portugal and growing with you. We provide clear, practical information and access to expert partners across immigration, tax, lifestyle, and financial planning. Whether you’re preparing to move or already building a life overseas, we understand how overwhelming it can be to find reliable support across borders. That’s why we created a single destination where U.S. expats can find the guidance, tools, and local insight they need to move confidently, settle smoothly, and plan for the future — even if it leads back home.

For expatriate clients, wealth planning can feel like a balancing act across multiple borders. Tax laws differ, reporting requirements overlap, and investments that work well in one country can create complications in another. That’s why many globally mobile families can benefit from a powerful but often overlooked solution: permanent life insurance.

This memorandum is intended for U.S. members of the STM Malta Pension Plan, a Qualifying Recognized Overseas Pension Scheme (QROPS) established under Maltese law.

If you’re a U.S. citizen or permanent resident (“green-card” holder), small business owner or a high-earning professional living in Portugal, smart tax planning can help you keep more of what you earn, on both sides of the Atlantic.