What Americans Need to Know Before Starting a New Life Abroad: Diving Deep into the Factors Americans Often Overlook | Move to Europe with Alex Ingrim and David Cantor

Making the move successfully from the US to a country in Europe requires guidance from people who’ve lived it. From tax rules and immigration pathways to cultural fit and long-term financial planning, the journey comes with complexities that have caught many people off guard.

In this episode of We’re The Brits In America, Richard Taylor – dual UK/US citizen and Chartered Financial Planner – sits down with Alex Ingrim, President & Co-Founder of Liberty Atlantic Advisors, and David Cantor, immigration attorney and founder of Relocate. Both are American expats living in Italy, bringing firsthand insight into what it really takes to establish a sustainable life in Europe.

Richard, Alex, and David take a detailed look at:

• Why moving to something and not away from something is essential for a successful relocation
• How immigration frameworks differ across Europe, and why there’s almost always a viable pathway if you know where to look
• The biggest mistakes Americans make, including choosing countries based solely on visas or cost of living
• Why US citizens face unique tax and administrative challenges abroad — and how treaties can sometimes turn those into advantages (like in France)
• How to evaluate countries based on your asset base, tax position, lifestyle goals, and tolerance for complexity
• Why Spain, Italy, Portugal, and France all offer opportunities, but come with radically different wealth taxes, reporting rules, and planning considerations
• The growing trend of younger families relocating, driven by quality of life, education, and cultural exposure for children
• The mindset shift required to embrace uncertainty, build a life in a new culture, and take control of your own expat journey

 

More about We’re The Brits In America:

With the right financial advice, landmines that threaten expat wealth can be avoided. Often encountered by U.S.-connected expats, these financial landmines are more numerous, more hazardous, and less understood than almost anywhere else in the world. As a result, non-cross border professionals, wealth advisors, and even international advisors are often unaware of them. But don’t worry, We’re The Brits In America has you covered.

We’re The Brits In America is dedicated to helping ambitious U.S.-connected expats and immigrants navigate those challenges — and thrive. Whether you’ve moved to the U.S. for opportunity, or are an American seeking adventure and growth abroad, our job is to equip you with the tools and insights you need to succeed.

If you’re enjoying the show, please consider leaving a 5 star rating and review to help the mission, which is to help expats and immigrants thrive in America. Visit planfirstwealth.com to learn more about our services and connect with Richard Taylor on LinkedIn.

We’re the Brits in America is affiliated with Plan First Wealth LLC, an SEC-registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

About Richard

Richard Taylor is a British expat, dual citizen (UK & US). Originally from Bolton, he now lives in Greenwich, CT, where Plan First Wealth has its head office.

As the firm’s leader, Richard launched Taylor & Taylor, now Plan First Wealth, and continues to fuel the firm’s growth. Richard is a Chartered Financial Planner (UK – CII) in addition to holding the IMC (CFA UK) and Series 65 (US – FINRA).

Connect with Richard on LinkedIn

TRANSCRIPT:

Richard Taylor, Founder of Plan First Wealth:
[00:01:01 – 00:01:58]
Welcome to our Ask an Expert show where I invite a fellow professional in the US expat Cross Border Space to come in and talk to me about the issues we think Americans who are considering moving to Europe need to be aware of if they are going to thrive there. My guests today are Alex Ingram and David Cantor. Alex is the President and co founder of Liberty Atlantic Advisors, a wealth management firm guided guiding Americans through the complexities of living in Europe. And David is an experienced immigration attorney who is the founder of Relocate, which is a global migration marketplace and who has also recently joined Liberty Atlantic. Furthermore, both of them are Americans living the dream La Dolce Vita in Italy. So they have oodles of experience, both personal and professional, to share with us on all the things Americans should be considering, thinking about and aware of if they are considering embarking on a European adventure of their own. So without further ado, let’s get into this. Hi Alex and David. Welcome to Move to Europe.

David Cantor:
[00:01:58 – 00:01:58]
Thanks for having us.

Alex Ingrim:
[00:01:58 – 00:02:00]
Yeah, thanks for having us. Glad to be here.

Richard Taylor, Founder of Plan First Wealth:
[00:02:00 – 00:02:04]
Yeah, you’re welcome. Thank you. Thank you. As we start, will you introduce yourselves?

Alex Ingrim:
[00:02:05 – 00:02:23]
I’m American. I’m originally from Alaska, grew up on the west Coast. I’ve been living outside the US for the best part of 17 years. It kind of all started when I met a girl studying abroad 17 years ago. So it’s a pretty common expat story. Love has taken me kind of across Europe. So from.

Richard Taylor, Founder of Plan First Wealth:
[00:02:23 – 00:02:23]
From Alaska?

Alex Ingrim:
[00:02:23 – 00:02:24]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:02:24 – 00:02:24]
You grew up in Al.

Alex Ingrim:
[00:02:24 – 00:02:26]
Alaska? Yeah, I’m originally from Alaska.

Richard Taylor, Founder of Plan First Wealth:
[00:02:26 – 00:02:29]
Wow. Yeah, I think you’re the only person I know from Alaska.

Alex Ingrim:
[00:02:29 – 00:02:34]
Yeah, that’s pretty common. Although me and David have been on tons of calls with Alaskans recently.

David Cantor:
[00:02:34 – 00:02:35]
Really? Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:02:35 – 00:02:38]
Alaskans are looking to move to Europe.

Alex Ingrim:
[00:02:38 – 00:02:42]
Yeah. On mass. Yeah. I mean 4 is en masse, so.

David Cantor:
[00:02:42 – 00:02:43]
Yeah, it’s a niche market.

Richard Taylor, Founder of Plan First Wealth:
[00:02:44 – 00:02:45]
20% of population.

Alex Ingrim:
[00:02:45 – 00:03:18]
Niche as it gets. Yeah. So we have something in common immediately. But we’ve kind of. My wife and I have, have traveled around most of Europe together. We’ve. We’ve lived in France, the uk, Italy, Malta. We’ve also lived in Canada. I finished up my, my studies in Canada, so we’ve traveled a lot together. I’ve worked in the European wealth management space for at least the last decade and we’ve had Liberty Atlantic which has served us expats living in Europe for. We’ve been working on this project for almost three years now.

Richard Taylor, Founder of Plan First Wealth:
[00:03:19 – 00:03:22]
Very cool, very cool. So what about you, David?

David Cantor:
[00:03:22 – 00:04:27]
Yeah, so an abridged version, I guess. I consider myself a global citizen as well. I’m a New York native, so it’s nice to be back here. I hung up a shingle at a law school. I was in Chinatown, did whatever work came across my desk. But I always knew I wanted to do something international. Right. What does that mean in a career? How do you define that in a career? So I fell into immigration law. My wife’s case was actually the first case that I ever worked on. Got her green card, got her H1B before that as well. Similar to Alex. I mean, love has taken us around the world. I mean I met my wife in Shanghai at a cafe randomly when I was backpacking. And we’ve lived in international cities. We spent a decade here in New York. We kept going back and forth between Europe because her family also lives in Italy. They’re originally from China but moved in the 80s to Italy and then to Florence where they settled. So we’re familiar. Right. We had a couple kids and we were always looking over the pond. We knew it was there. We visited and we decided to move in 2019 right before COVID and we’ve been living in Florence ever since.

Richard Taylor, Founder of Plan First Wealth:
[00:04:27 – 00:04:36]
I love working with expats. Oh yeah. They’re our immigrants, whatever you want to call them. They are bold, adventurous, open minded people and I like them. And so that’s what I find most.

David Cantor:
[00:04:36 – 00:04:48]
Rewarding about it on many levels. Right. Because it’s hard to even define what an expat is in many ways. Right. There’s just so many different idiosyncrasies, different stories, different motivations.

Alex Ingrim:
[00:04:48 – 00:05:16]
And I think understanding the motivations is one of the most rewarding parts in the work that we do because you get a unique view into how everyone’s different and how their story has shaped them. And I think that’s one of the really cool things about working in this immigration expat space is you get to meet people from a variety of backgrounds, but they all have this one thing in common. And it kind of binds us all together that we’re risk takers.

Richard Taylor, Founder of Plan First Wealth:
[00:05:17 – 00:05:31]
In a way, 100% US expatriation is having a moment right now, which is one of the reasons why we’re having this conversation. But. And that means it’s featured in a lot of newspapers and articles. And sometimes I will read those articles and think, you’re not going to make it.

David Cantor:
[00:05:31 – 00:05:32]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:05:32 – 00:05:33]
You’re moving for the wrong reasons.

David Cantor:
[00:05:34 – 00:06:23]
There’s a lot of noise out there, too. Right. So it’s also about find risk takers. But at the same time, you know, I’ve been in immigration for, well, a decade, and the reasons and the catalysts for why people want to move is probably, to me, one of the most interesting, you know, subjects, especially now. And the conversations are pretty heavy. When I first moved to Italy, I was practicing U.S. immigration. Right. I was a remote immigration lawyer. And it occurred to me, and this was over five years ago, that there’s a kind of a blue ocean market. Right. And this is before COVID that there’s going to be Americans who want to live in Europe. There’s got to be. There are Americans here. Right. And. But I feel like it’s going to grow, you know, and so that was about six years ago. And to see where it’s come, how far it’s come. It’s light speed. It’s blowing up, right?

Alex Ingrim:
[00:06:23 – 00:06:24]
Yeah, it’s blowing up.

Richard Taylor, Founder of Plan First Wealth:
[00:06:24 – 00:06:42]
We’ve tested a lot. We kind of agree that there are many reasons to move. And specifically we’re talking about moving to Europe. And politics can be a reason, but we don’t think it should be the reason. I’m sure there are exceptions and also finances. We know money goes a lot further currently in Europe.

Alex Ingrim:
[00:06:42 – 00:06:43]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:06:43 – 00:06:53]
And that can be a factor. Certainly nice when your money goes further, but I. That shouldn’t be the motivating factor. You shouldn’t be moving. You should be uprooting your life and moving to Italy just because you want to go further. Great. That’s a bonus.

Alex Ingrim:
[00:06:53 – 00:06:53]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:06:53 – 00:06:56]
But it’s got to come from a place deeper than that. I think.

Alex Ingrim:
[00:06:56 – 00:08:14]
You’ve got to be moving to something. Right. You can’t be moving away from something. You’ve got to be moving to something. One thing that we really try to get people to focus on in the Move is what do you enjoy doing? What are your hobbies? Can you replicate those hobbies in Italy or in Portugal? Is there some real Runway to build a sustainable life here for you for a 10 or 20 year period? Because it affects the work that we do as well. We don’t want to create a plan for you that you abandon after four or five years to move back to the U.S. that’s fine. We’ll make sure that the plan works in that instance too. But it’s not a best case scenario for anybo. We want people to move to Italy because they love art, they want to learn the language, they have a connection to the food or the heritage or the culture. We want people to move to Portugal because they like doing the outdoor activities that you can do there in almost nowhere else. Portugal is unique as a destination for some of those things, so there’s a real fit to the place that you move to. You can’t just throw a dart at a dartboard all the time or just move to a place for financial reasons. Actually, one of the biggest mistakes I think we see is people moving to a destination for only immigration reasons. We hear that all the time.

Richard Taylor, Founder of Plan First Wealth:
[00:08:14 – 00:08:16]
Just because I could get this visa there.

Alex Ingrim:
[00:08:17 – 00:08:22]
Because it’s so much easier to immigrate to Portugal or Spain, or so they perceive.

David Cantor:
[00:08:22 – 00:10:18]
Exactly. And this goes back to Americans being good at speaking to Americans. Right. I mean, Portugal is a prime example in the migration space of what a nation state probably shouldn’t do within a migration policy. I mean, it was the first to market the golden visa. Right. The investor visa for Europe. And it did so, like, with astounding results that were basically too successful. So, I mean, in Portugal, you have pockets of American communities, like, really entrenched. Right? Bubbles. Yeah, yeah. That are expanding and in that expansion, sadly pushing out, you know, local communities. The. The kind of, you know, infrastructure and authenticity that makes, you know, a place local in many ways is it’s catering to tourists. Right. And it changes, and that changes the vibe, it changes the experience. And I’m not saying it’s necessarily a good or bad thing for people who may seek that out or expats who kind of crave something familiar. That’s okay. Right. And there’s more of that in Europe than I think there’s ever been, and I think we’ll continue to see that grow and evolve. But there needs to be a balance, I believe. Right. So when Alex is talking about these ideal clients that have a genuine interest in the language or genuine interest in the culture, that sensitivity goes A long way when you’re moving somewhere and just for your own life. Right. You know this as well, I’m sure, in your own experience. So I, I think, you know, just to sum that up from like a migration lens, what Portugal did wrong, I mean, you know, the real estate prices, for example, went skyrocketed. Skyrocketed, right. To prices that are not European. And it pushed out locals. Right. They can no longer live there. And while in one way it’s great, it can contribute to the local economy. People are going and shopping. But at the same time, there needs to be something that’s called sustainable migration in the back of people’s minds. Right. And what that means, I don’t know.

Richard Taylor, Founder of Plan First Wealth:
[00:10:18 – 00:10:22]
So would you go as far as, say you think Portugal are doing it wrong and where do you think are doing it right?

David Cantor:
[00:10:23 – 00:11:11]
Well, you can even look at the processing times now, and Italy is almost getting there for different reasons. Meaning if you were to try and go to get a visa for Portugal or you’re on the road for citizenship, it’s going to take you an extended period of time beyond what the regs say. And even to get an appointment, for example, at a consulate to get a visa is challenging for Italy, for example, as well. New York, you can’t find a date on the Prinatora, which is like the online system, you have to check every day almost to try and find a free slot to get at a visa appointment at the consulate. So from a processing lens, governments can’t handle it. They just don’t have the resources, the infrastructure that’s even ready to cater towards that. I think, you know, other nations can learn from Portugal in many ways because it basically imploded to a certain degree. Right?

Alex Ingrim:
[00:11:11 – 00:12:18]
Yeah. I think from my perspective too, having lived in Europe for so long and seen how different countries deal with migration, the issue from my perspective with Portugal is there’s a benefit to Portugal to having people take this route, take the golden visa, investment, migration. So they receive money, whether it’s in terms of people buying property, whether it’s in terms of people investing in infrastructure projects or donating to cultural projects. But where is that money going to? What’s the trickle down effect of all of this? Is it helping the average local person? Are there entrepreneurs from Portugal that are building businesses around this? Or is it being bottlenecked in a few key industries that are tangentially related? So is it lawyers that are just doing really well out of this? Is it tax lawyers that are doing really well out of this because they can sell it are there, we call them like what golden visa Agen migration, migration agents that do really well out of it.

Richard Taylor, Founder of Plan First Wealth:
[00:12:18 – 00:12:22]
Is that what’s happening in Portugal? It’s very localized, it’s not trickling.

Alex Ingrim:
[00:12:22 – 00:13:08]
I feel like there’s very little trickle down effect. Whereas some of the countries that are, that have these investment migration regimes, there’s more trickle down, whether it’s because they’re smaller countries like Malta or because they’re really specific and targeted. So Italy does a really good job with their tax regimes being very specific and targeted in how you can take advantage of them. Portugal, with the non habitual residency tax regime, it was, I mean, you could make it applicable to almost anyone. So not only were people coming in with the golden visa, then they were getting huge tax breaks and you didn’t have to use the golden visa to get the huge tax break. So that’s where it just compounded the lack of sustainability within the programs.

Richard Taylor, Founder of Plan First Wealth:
[00:13:08 – 00:13:26]
So if I’m an American listening to this, thinking, you know what, I’ve thought about this, but I’ve always just thought, nah, it’s gonna be too hard. You know, I know there’s, there’s investor visas, there’s digital nomad visas, there’s retirement visas, there’s. Andrew most of the time. Is there always a way or.

David Cantor:
[00:13:26 – 00:13:27]
I would say yes.

Richard Taylor, Founder of Plan First Wealth:
[00:13:27 – 00:13:27]
Really?

David Cantor:
[00:13:27 – 00:13:36]
Yeah, I would say yes. I mean, the immigration frameworks in each of these respective countries are, you know, France is likely the most complex in a good way. Meaning there’s pathways.

Alex Ingrim:
[00:13:36 – 00:13:37]
Yeah.

David Cantor:
[00:13:37 – 00:13:37]
Right.

Richard Taylor, Founder of Plan First Wealth:
[00:13:37 – 00:13:38]
Okay.

David Cantor:
[00:13:38 – 00:14:20]
And so when you’re talking about that individual who’s kind of agnostic in a way. Right. Where they’re just spinning the globe and that’s a different kind of conversation. Right. They’re looking for different kind of support from you and different type of advice even from those who have lived the experience. Right. So that kind of is invaluable in having many of these climate conversations. And it’s kind of fun. But at the same time, there’s a lot of responsibility when you’re actually feeling like you’re dictating where somebody might go. Maybe they have a family. Right. Maybe they have children. Yeah. And you know, you grow comfort with that as you know, continue to practice and have these conversations. I think that’s what drives each of us personally. Right. Is conversations and dealing with people. There is always a way, immigration wise. That was a question.

Richard Taylor, Founder of Plan First Wealth:
[00:14:20 – 00:14:24]
Is there, you know, if I want to go to France, I can go to France.

Alex Ingrim:
[00:14:24 – 00:14:24]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:14:24 – 00:14:26]
I don’t know how yet, but I. Can go to France.

Alex Ingrim:
[00:14:26 – 00:14:28]
It’s probably the best, even though my.

Richard Taylor, Founder of Plan First Wealth:
[00:14:28 – 00:14:32]
British passport is significantly devalued after 2016, which I will never forgive them.

Alex Ingrim:
[00:14:33 – 00:14:35]
But I think that France might be the best example.

Richard Taylor, Founder of Plan First Wealth:
[00:14:36 – 00:14:37]
Okay.

Alex Ingrim:
[00:14:37 – 00:14:37]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:14:38 – 00:14:39]
Oh, no.

Alex Ingrim:
[00:14:39 – 00:15:09]
My wife has a UK passport, so I’m in the same boat. France might be the best example. Like David said, a lot of complexity. But what we’ve seen over the last probably five years since COVID is countries. And this is where it’s really interesting from a philosophical standpoint, right. Countries are increasing the ways that you can move there. They’re not decreasing the pathways. Italy is not making it harder to move there. Maybe harder to get a passport, but not harder to move there.

Richard Taylor, Founder of Plan First Wealth:
[00:15:09 – 00:15:22]
Are you at risk, though, that one day they just change their mind? Right. Right now they’re opening up, they’re welcoming Americans, and you go there and you set up life. Is there a real risk? I mean, there’s a. Everything’s a risk. But is there a real risk that there’s a regime change?

David Cantor:
[00:15:22 – 00:16:21]
It’s called reciprocity. Right. In the immigration, you call it reciprocity. It’s basically saying, this is how you treat visas for our nationals. Here’s how we’re going to treat visas for your nationals. I mean, the ESTA is a simple example, right? So Europeans need to get an esta, which is, you know, it’s not a visa, it’s a visa waiver to travel to the United States. It’s an online application. Right. Now, recently, as of, I think last year, late last year or something, Americans need to do that. They need to go through ets, right, For Europe. So that’s just a small example of being like, listen, if we’re going to build up more walls here in America, make things more difficult, I wouldn’t be totally surprised in the concept of reciprocity if other countries start to do these similar things. But at the same time, as we were saying, Europe is looking to attract individuals from all over the world. Europe as a continent, I mean, it’s. I would say it’s. We’re approaching a new renaissance. I like to say that I’m optimistic. I mean, there’s an aging population there. Right.

Richard Taylor, Founder of Plan First Wealth:
[00:16:21 – 00:16:23]
Optimism isn’t naive. It’s strategic.

David Cantor:
[00:16:23 – 00:16:25]
Yeah. It’s a light that doesn’t go out.

Alex Ingrim:
[00:16:25 – 00:16:26]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:16:26 – 00:16:41]
So we’ve established if there’s a. If there’s a will, there’s a way you can get there. If you want to go to France, Spain, Italy, Portugal, whatever, if you want to go, we can get there. Right. Financially, though, what do we need to be? What what do Americans be thinking of? Aware of? What are the challenges?

Alex Ingrim:
[00:16:42 – 00:16:53]
Yeah, so I think the really unique thing about being American and moving to Europe is that when you’re American, you always carry with you your US tax liability by virtue of your citizenship.

Richard Taylor, Founder of Plan First Wealth:
[00:16:53 – 00:16:57]
Do you find everyone knows this or are you still the person to break that to people?

Alex Ingrim:
[00:16:57 – 00:17:05]
No, I would say two or three years ago it was half and half. Now most people are aware that are going through the inquiry process.

Richard Taylor, Founder of Plan First Wealth:
[00:17:06 – 00:17:23]
Are they aware that a lot of it is not necessarily the tax burden, but it’s more the restrictions and the challenges of tax years not matching up and not being able to invest in most things and difficulties opening bank accounts. Are they aware that it’s more the administrative hassle rather than the tax burden? That’s the problem.

Alex Ingrim:
[00:17:24 – 00:17:56]
No, they’re not. They’re not. That’s all still new. You have to live that to understand what it means, you know, because if you go to HSBC and say, hey, I’m American, I’d like to open up a bank account, they’ll go, oh, yeah, we got a process for that. Just, you know, fill out these extra forms. You’ve got to do this W9. Okay, great. You submit it, you don’t have a bank account for another six months because they don’t know how to process the application. Right. They don’t know what to do with the W9. There’s all these nuances of being American that don’t exist for anyone else.

Richard Taylor, Founder of Plan First Wealth:
[00:17:56 – 00:18:09]
I’ve heard a tax attorney describe being an American abroad as akin to having a disability. Now that’s strong. But just to give that was a tax, as an international tax attorney. So that’s pretty heavy language.

Alex Ingrim:
[00:18:09 – 00:18:43]
We don’t think of it that way at all, actually. We think of it as how can we turn this into an advantage. So one of the best examples is the US and France have a really unique double taxation agreement. It’s incredibly beneficial to a US citizen. A US citizen in France in retirement will pay far less taxes than a British citizen in France in retirement. So that’s the way that the treaty works. The UK treaty is not advantageous to the Brits. The American treaty is very advantageous to the Americans in France.

Richard Taylor, Founder of Plan First Wealth:
[00:18:43 – 00:19:05]
Oh, wow. An important note here. We’re talking about moving to Europe, but Europe is not like, you know, Europe is individual countries, individual treaties. And for those who don’t realize in the cross border a space, so much comes down to the treaty. So much comes down to the individual tax treaty that that country has with the U.S. yeah. And that’s the world we live in.

Alex Ingrim:
[00:19:06 – 00:19:16]
Absolutely. So it makes certain countries an outlier. Right. Where Americans can take what would be a disadvantage and turn it into an advantage.

Richard Taylor, Founder of Plan First Wealth:
[00:19:16 – 00:19:17]
This is a great take.

Alex Ingrim:
[00:19:18 – 00:19:53]
So we, we always look for that opportunity. Working in Italy is another one. We have a very unique totalization agreement between the US and Italy. It’s even unique amongst the American agreements. So if you’re American and self employed, you can still pay into Social Security in the U.S. even though you’re working in Italy. There’s all these really neat nuances and intricacies that mean we say that there’s an asset base or situation for each country. So if you came to us and said, let me describe to you what my asset base is, we could actually tell you in a lot of instances, you know what, you’re a really good fit for Spain.

Richard Taylor, Founder of Plan First Wealth:
[00:19:53 – 00:19:54]
Really?

Alex Ingrim:
[00:19:54 – 00:19:54]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:19:54 – 00:20:02]
Well, let me, let me ask you this. Put you on the spot and might be oversimplifying it, but France has a great treaty. Italy has a great treaty.

Alex Ingrim:
[00:20:02 – 00:20:02]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:20:02 – 00:20:05]
Spain. I’ve heard mixed things about Spain.

Alex Ingrim:
[00:20:05 – 00:20:32]
No. So Spain is, if you think of Spain as a country, it’s like the US and that the tax system is regional. It’s region by region, like we’re state by state. So if you look at Catalonia, where Barcelona is, it’s much different than Madrid. Okay. So you’re looking at polar opposites. Catalonia is the California of Europe. It’s probably the highest tax destination. Madrid is low tax for Spain.

Richard Taylor, Founder of Plan First Wealth:
[00:20:32 – 00:20:32]
Wow.

Alex Ingrim:
[00:20:33 – 00:20:45]
So it’s impactful with the wealth tax. It’s impactful with succession tax for a lot of Americans. You might not realize or understand that you could be liable to a wealth tax in Spain.

Richard Taylor, Founder of Plan First Wealth:
[00:20:45 – 00:20:55]
I’ve heard. And that can be pretty devastating. Can’t. If, do you find people diying this? Are you, are you, are you finding people? Yeah, always. Always. Diy. Destroy it yourself.

Alex Ingrim:
[00:20:55 – 00:20:56]
Okay.

Richard Taylor, Founder of Plan First Wealth:
[00:20:56 – 00:21:02]
Yeah. But I think it’s bad enough. Look, we’re recording this at a time of pretty severe market turmoil.

Alex Ingrim:
[00:21:02 – 00:21:02]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:21:02 – 00:21:11]
And you know, and I spend time on Reddit and in the reading media and people are just blowing up the financial plans. It’s bad enough in the normal world, in the cross border world.

David Cantor:
[00:21:11 – 00:21:13]
Oh, I love it when people do this in immigration.

Richard Taylor, Founder of Plan First Wealth:
[00:21:14 – 00:21:20]
I just don’t the mentality, I think that people to have. It’s one thing if you don’t have enough money.

David Cantor:
[00:21:20 – 00:21:20]
Right.

Richard Taylor, Founder of Plan First Wealth:
[00:21:20 – 00:21:36]
But if it’s when people with means who can afford advice tackle this immigration or cross border stuff financials on their own and the state that, you know, the, the Repercussions are significant and unavoidable.

David Cantor:
[00:21:36 – 00:21:37]
Yeah, yeah.

Alex Ingrim:
[00:21:37 – 00:21:54]
We, we have people that regularly come to us and this is extremely common now with Portugal and Spain, not so much France or Italy, but they’d never even looked into the tax side of a move. And they’re already pretty far down the line.

Richard Taylor, Founder of Plan First Wealth:
[00:21:54 – 00:21:55]
They’ve not moved.

Alex Ingrim:
[00:21:55 – 00:21:59]
No. We do get some people occasionally that have moved.

Richard Taylor, Founder of Plan First Wealth:
[00:21:59 – 00:22:02]
It’s never occurred to them to think outside. Wow. No, we still got work to do.

David Cantor:
[00:22:05 – 00:22:32]
One of the most, I think, interesting and palpable value adds of a call, like with Alex, for example, the first instance call is people realize what they can do with what they have, that they didn’t think, oh, I couldn’t actually move. I didn’t think I could move to France until five years later. Or, you know, I didn’t think I could live that lifestyle. Alex has been in calls where he’s like, listen, you know, with an existing client, I think, you know, you should maybe purchase a business class ticket instead. Right. Enjoy that.

Richard Taylor, Founder of Plan First Wealth:
[00:22:32 – 00:22:33]
Yeah.

David Cantor:
[00:22:33 – 00:22:33]
Because you do have.

Richard Taylor, Founder of Plan First Wealth:
[00:22:33 – 00:22:35]
Turn left, don’t turn right. You don’t.

David Cantor:
[00:22:35 – 00:22:38]
Yeah, turn, turn left, right and go. Maybe do it a couple times.

Richard Taylor, Founder of Plan First Wealth:
[00:22:38 – 00:22:39]
Yeah. Right.

David Cantor:
[00:22:39 – 00:22:45]
So. Oh yeah, it’s interesting. I actually find Americans to be more prepared than not in most cases. Right.

Alex Ingrim:
[00:22:46 – 00:23:15]
I’ve worked with many clients from many cultures. Too prepared. Yeah. Americans are more conscious financially than many other cultures. What I think we’re unconscious of as a society is what exists outside of our borders and what other nations rules are and how they are different. So that just because you have to pay or you have to file US taxes, it doesn’t mean that you’re absolved from Spanish taxes.

Richard Taylor, Founder of Plan First Wealth:
[00:23:16 – 00:23:28]
Honestly, it never even occurred to me and I thought we were going to talk about Pifix and fat conforms. The idea that someone would think that filing US taxes as a US as an Italian resident or French Spanish would absolve them for that is it blows my mind.

Alex Ingrim:
[00:23:28 – 00:23:55]
One of our kind of common sayings is actually, you know, going back to the Pfix or F bars or whatever it may be, you don’t have a U.S. tax problem. You have an Italian tax problem or a Spanish tax problem or a Portuguese. So a lot of the talk, there’s been recent talk about ending citizenship based taxation. That doesn’t affect most Americans that live in Europe at all in any way.

Richard Taylor, Founder of Plan First Wealth:
[00:23:55 – 00:23:57]
It’s an administrative burden, it’s not a tax burden.

Alex Ingrim:
[00:23:57 – 00:24:13]
They’ll save a few hundred bucks a year in filing taxes. They are still going to pay the same effective tax Rate in Italy or Portugal or Spain because that’s the way the treaty is written and that’s where their primary tax liability lies.

Richard Taylor, Founder of Plan First Wealth:
[00:24:14 – 00:24:16]
Right. So an American comes to you, they’re moving to Europe.

Alex Ingrim:
[00:24:16 – 00:24:16]
Yep.

Richard Taylor, Founder of Plan First Wealth:
[00:24:16 – 00:24:22]
We don’t know where yet in Europe or even if we do, what do you start doing? How do you prepare them for this move?

Alex Ingrim:
[00:24:22 – 00:25:41]
So we, we first want to find out what the motivations are. So we just start off with a simple, tell me your story. You know, give me some context to the move, why are you moving? And then we see where that conversation takes us. We want to have a really open ended conversation to find out more. Then it usually transpires that someone either has a very clear purpose for moving to a country or they have no purpose at all. And they would like to look at several different countries, but they just heard that Portugal’s nice or Spain is nice. One thing I love about Americans that are looking to move abroad is just how open minded they are. So there is a lot of, hey, I like Spain, but I like France. Do you want to tell me which one might be better financially? And so then we have that conversation. If someone’s really locked in on Spain, okay, we start to have that conversation. But this work, it takes a lot of nuance and conversation to draw out what’s important to the client, but also what could be impactful from a planning perspective. So we usually take about three meetings with a prospective client to understand why they’re moving, where they would like to move to, what their asset base is and then how we can help.

Richard Taylor, Founder of Plan First Wealth:
[00:25:41 – 00:25:42]
You actually do a model.

Alex Ingrim:
[00:25:42 – 00:25:43]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:25:43 – 00:25:43]
Oh, do you?

Alex Ingrim:
[00:25:43 – 00:25:53]
Yeah. So we do, we do a lot of modeling around it so that we could compare Spain versus France and we show people with data points, hey, this is the difference.

Richard Taylor, Founder of Plan First Wealth:
[00:25:53 – 00:26:01]
So you just, you, you, you’ve got an awareness of the tax rates and you will, you’ll manually input the tax rates, I assume, make it something. Oh, okay, right, yeah.

Alex Ingrim:
[00:26:01 – 00:26:51]
So we can say, look, the wealth tax is going to impact your plan by this much. Right. Just to give people a ballpark idea so that when they’re talking about and they’re comparing within their household, hey, should we move to Spain or France? And you’re like, well, I really like, you know, the common ones like the Basque country. I really like the Basque country. Okay. That’s in Spain and France. So you know, if you’re going to choose one, France is probably a lot better. You know, same with Catalonia, there’s French, Catalan side. So it’s really interesting to make these comparisons and allow people to. We say it’s your threshold for pain. What’s your threshold for pain for being in one country versus another? Is it $50,000 a year in added taxes? Is it 100,000? Because these are, those are real numbers. It can be that much.

Richard Taylor, Founder of Plan First Wealth:
[00:26:51 – 00:26:53]
Can you do this for all European countries?

Alex Ingrim:
[00:26:54 – 00:27:12]
No, we just, we look at the countries that we specialize in and where we have tax partners. Right. So like tax lawyers that we trust to say, hey, give us an idea of how this would be taxed. So usually Portugal, Spain, France, Italy, Malta and occasionally Belgium.

David Cantor:
[00:27:12 – 00:27:42]
So we look and it’s pretty amazing. I mean again, I’m very new to the, to the financial world, but I’ve sat in enough of these conversations, conversations with Alex that the information that the clients get at the end of the day and also their reactions like you see their reactions just by having three conversations. The amount of, of savings from a financial planning lens because you’re taking into, consider the double taxation treaties, how they communicate to each other. You’re also taking into consideration the client’s goals. Right.

Richard Taylor, Founder of Plan First Wealth:
[00:27:42 – 00:27:45]
Just imagine not doing this.

David Cantor:
[00:27:47 – 00:27:48]
I feel like most don’t, right?

Richard Taylor, Founder of Plan First Wealth:
[00:27:48 – 00:27:49]
No, totally.

David Cantor:
[00:27:49 – 00:28:55]
I mean you guys would know better than me, but you have this kind of how. And this gets to how people define wealth management and working with a financial planner. And I think we’re entering a new era of what that is in this cross border space. Right. Because I see this equally as important to making friends in the expat community. Right. Having a financial planner that you probably call too much. Alex gets probably too many calls. Not just about finance advice, you know, about many things, about everything. And so I think we’re seeing a bit of a new breed here emerge at a pretty timely moment. Right. But like something as simple as like, hey, you shouldn’t keep all your funds in an IRA because it doesn’t have favorable tax treatment in this country or you shouldn’t be invested in these assets because that’s going to be taxed at income and not capital gains or you know, so these like nuances that are pretty black and white for Alex. He’s been doing this for, you know, as a seasoned cross border financial planner, but never occurred to a US based financial planner there that they currently have no chance. It’s, it’s kind of shocking and you’re talking about, and people take this very seriously when you talk about money and their savings.

Richard Taylor, Founder of Plan First Wealth:
[00:28:55 – 00:29:13]
Here’s the thing. I am an example. I’m a cross border financial planner. We do this right caps in America, but there’s Stuff that you’re doing that I wouldn’t know, I wouldn’t know what to do even within the cross border world. So if someone’s coming from a, you know, you’ve got, if you’re a wirehouse advisor or your guy, some. No chance. No chance.

Alex Ingrim:
[00:29:14 – 00:31:02]
I think one of the other really important things as we’re going to see more firms move into this space and something that I want to see more and we see it occasionally but probably not often enough is for everyone in the US financial planning community to understand that you have to pick a corner in this. You have to say, I do Spain and the U.S. or I do France and the U.S. you have to have the language skills for the country that you serve. So we focus on those four countries because we happen to have an advisor that’s Portuguese that speaks fluent Portuguese, fluent Spanish and fluent English. We work in France and Italy because I went to business school in France. My French was very, very good. It’s still pretty good. We have a great French tax lawyer we work with who’s bilingual, our Italians. It’s pretty good. We probably sell ourselves short. So we have the language skills in every country. You can’t do Portugal from the US but not speak Portuguese. Right. That’s the really important thing is if you’re looking at entering this cross border world, which more and more people will, and I get inquiries about it all the time from young people aspiring to do it, which is amazing. And that’s also another great sign of where all of this is headed. Start with one country and then go from there. If you love France, start with France. Some things will be applicable to Italy, actually almost none. But some principles will be and then you can expand. And that’s how we started kind of envisioning all of this is I had a career where I worked in Spain and France and Portugal, so I was aware of what all of that looked like. We picked these four countries consciously. It’s important for the consumer and the advisor to understand that.

Richard Taylor, Founder of Plan First Wealth:
[00:31:02 – 00:31:15]
Absolutely, 100% as we wrap up here. You know, when someone is leaving the US obviously their financial planning thing sounds invaluable, especially if someone’s like comparing countries. But do you have to like restructure their assets?

Alex Ingrim:
[00:31:15 – 00:31:15]
Yes.

Richard Taylor, Founder of Plan First Wealth:
[00:31:15 – 00:31:16]
Okay.

Alex Ingrim:
[00:31:16 – 00:31:16]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:31:16 – 00:31:18]
Is that dependent on where they’re going?

Alex Ingrim:
[00:31:18 – 00:31:19]
Absolutely.

Richard Taylor, Founder of Plan First Wealth:
[00:31:19 – 00:31:19]
Okay.

Alex Ingrim:
[00:31:19 – 00:32:02]
Absolutely. So Portugal is different than Italy, which is different than France. It’s all completely different. And this is, this is really what makes it interesting, but it’s what makes it challenging is understanding the pitfalls with each country. So I think I Mentioned. We always say that there’s a right asset base for each country. And so it’s about transforming what you have to fit the country that you’re going to. And not only looking at the double taxation agreement, but then you have to look at the domestic tax rules as well and say, okay, do I fit into those with what I have? It’s about, can you take advantage of any of the tax regimes like the 7% regime in Italy?

Richard Taylor, Founder of Plan First Wealth:
[00:32:03 – 00:32:21]
I’m always coming at this from landmines. What land mines, what rich risks are there? But there are absolutely opportunities within. You’ve already talked about one in France with the IRA or your retirement accounts. Yeah, but there are opportunities as well. When you say restructuring assets, are we talking at like the, the fund level or are we talking like insurances and retirement accounts?

Alex Ingrim:
[00:32:22 – 00:33:12]
We’re talking about at a tax wrapper level. So is something pre tax like a 401k or an IRA, can we make distributions to make it post tax? Pay the tax on it in the US at a significantly lower tax rate than it would be in Portugal, Spain or Italy. Are we looking at it your actual individual holding level? Where is an American mutual fund really that tax efficient in Italy or Spain? If not, what do we need to do to get out of that? If you have a huge capital gain in your portfolio, should you pay US capital gains tax before you move to Portugal? Because Portuguese capital gains tax is 28%. So what little incremental savings can we make now that have a big impact in your plan later?

Richard Taylor, Founder of Plan First Wealth:
[00:33:12 – 00:33:23]
So in the UK we have the reporting and non reporting fund regime. So you want to be in reporting funds. Do similar regimes exist in the other countries? So when you mention mutual funds, you don’t want to have a mutual fund in France, say that kind of.

Alex Ingrim:
[00:33:23 – 00:33:32]
Italy is probably the biggest one for this. Italy has almost the exact same thing as the UK non reporting funds regime or the USPFIC regime.

Richard Taylor, Founder of Plan First Wealth:
[00:33:33 – 00:33:34]
And you got to be really careful.

Alex Ingrim:
[00:33:34 – 00:33:42]
You have to be really careful. So in Italy, like you, you really need to restructure at a tax wrapper level and then an individual holdings level.

Richard Taylor, Founder of Plan First Wealth:
[00:33:42 – 00:33:47]
And then avoid collectives. Yes, get into direct, individual direct. Wow.

Alex Ingrim:
[00:33:48 – 00:34:36]
I mean it’s what we would advise anyone going into the UK as well. It’s easier to manage and you can manage. It’s actually more tax efficient in the US to use things like direct indexing. And that holds true, but is even more impactful in Italy because the capital gains tax rate is higher. So there’s some really interesting nuances to all of this. But that just shows the level of detail you have to go into. We’ve had countless people call us saying, my Italian accountant just charged us 43% on our gains from our US ETFs. Like. Yeah, that’s what happens. You know, you can read the law that way. If it was individual stock portfolio, you’d pay 26% and you can’t offset losses and all the things like in the uk, Right?

Richard Taylor, Founder of Plan First Wealth:
[00:34:36 – 00:34:46]
Yes. If anyone, just. People seek advice. People seek advice. You said you, Clancy. 60s. What is the average age, do you reckon, of the people that you see skewing?

Alex Ingrim:
[00:34:46 – 00:34:47]
Lower, that’s for sure.

David Cantor:
[00:34:47 – 00:34:48]
It’s a garden variety.

Alex Ingrim:
[00:34:49 – 00:34:54]
Yeah. It’s probably around 60 now. We’re getting more families, which is fantastic.

Richard Taylor, Founder of Plan First Wealth:
[00:34:54 – 00:34:58]
Because that’s families in their 40s, parents in the 40s or 50s.

Alex Ingrim:
[00:34:58 – 00:34:59]
Or 40s.

Richard Taylor, Founder of Plan First Wealth:
[00:34:59 – 00:34:59]
Really.

Alex Ingrim:
[00:34:59 – 00:34:59]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:34:59 – 00:35:04]
So it’s getting younger and younger. So historically, you’ve seen people who are basically at retirement.

Alex Ingrim:
[00:35:04 – 00:35:07]
Yeah. Or early retirement, maybe mid-50s to mid-60s.

David Cantor:
[00:35:07 – 00:35:11]
I mean, we. We’ve even had conversations recently with. Those are in their upper 30s.

Alex Ingrim:
[00:35:11 – 00:35:11]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:35:11 – 00:35:11]
Really?

David Cantor:
[00:35:12 – 00:35:12]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:35:13 – 00:35:23]
See, for me, who I’m kind of trying to reach the most with, this is I mentioned to before, there’s this quote I love. America is a business, Japan is a nursing home, Europe is a museum.

Alex Ingrim:
[00:35:23 – 00:35:23]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:35:23 – 00:35:38]
I think I serve primarily expats in the us Helping them make the most of their financial opportunity that is coming here. But I think there’s a tremendous opportunity for people who have spent 30 years grinding it out in the business, which is a great opportunity. But it’s stressful living in a business, right?

Alex Ingrim:
[00:35:38 – 00:35:39]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:35:39 – 00:36:07]
For them, to the twilight of their career, rather than just grinding out another 10 years going and having an adventure. Not necessarily retiring totally, but just going and having an adventure that might be a permanent adventure, might be a temporary adventure, who knows? And just experiencing that. I think they’re already successful, already wealthy, spent 30 years working. There’s an opportunity for them, kids maybe, you know, at college, finishing college, going and having that last 10 years, just.

David Cantor:
[00:36:07 – 00:36:21]
Having those conversations are so refreshing. Both sides, right. Listen to individuals who are like, you can tell. I mean, they’re ready for this. But it also gives a lot of weight to these conversations because you also realize they have grinded it out for 30. This is their life.

Richard Taylor, Founder of Plan First Wealth:
[00:36:21 – 00:36:25]
Are you seeing some profiles? That profile? Yeah. Okay.

Alex Ingrim:
[00:36:25 – 00:36:25]
Oh, yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:36:25 – 00:36:27]
It’s not just a thing. I imagine it’s real.

Alex Ingrim:
[00:36:27 – 00:36:53]
No, it’s there. It’s always growing there, too. The one that’s different now is. And this is indicative of how much the space is growing is I want to raise my kids in Europe. That I think is the one that’s growing and it’s becoming more doable because the immigration pathways are there because the country’s want families, they really want family. Italy, Spain, they want families. That’s the. They’re prioritizing that.

Richard Taylor, Founder of Plan First Wealth:
[00:36:53 – 00:37:07]
It’s so interesting to hear say that. So I’ve got my kid in a French school, French American school in New York. And it’s because my kids are American, we’re raising them American. And I live in a fantastic school district. But one, I want them to be bilingual.

Alex Ingrim:
[00:37:07 – 00:37:08]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:37:08 – 00:37:46]
And two, I want them to be brought up in America with American values. But also I would like them to be exposed to European values. Now, we talked before. I’ve been out the UK, out of the UK and Europe for 13 odd years. I look back with a very roast into. I kind of idealize Europe. So I know it’s not the bastion of progress and liberalism and equality that I perceive it to be in my head. But still I do think there is something about European values and I kind of want my kids to have the best of both worlds, you know, be. Brought up in America with American values. But also exposed to a second language and Europeans and European values. Absolutely.

Alex Ingrim:
[00:37:46 – 00:37:51]
Yeah. There’s so much to say for that. I mean, that’s what I know. I’m doing that with my family. David is with his.

David Cantor:
[00:37:51 – 00:38:02]
Yes. It’s incredible. I mean, my, my daughters are completely bilingual now. Right. And when I try and speak so cool Italian at the table, they’re like, why are you speaking Italian?

Alex Ingrim:
[00:38:02 – 00:38:04]
You know, I get screamed at.

David Cantor:
[00:38:04 – 00:38:05]
So genuine.

Alex Ingrim:
[00:38:05 – 00:38:05]
Yeah.

David Cantor:
[00:38:05 – 00:38:07]
So now I just speak American at the table.

Alex Ingrim:
[00:38:07 – 00:38:08]
Yeah, yeah, that’s it.

Richard Taylor, Founder of Plan First Wealth:
[00:38:11 – 00:38:32]
Guys. We’ve covered a lot. I’ve covered a lot. It’s been great. Do you have, is there anything, you know, reflecting on your journeys, anything. Putting on the spot here a little bit, aren’t I? But anything like you wish people had told you, wish you’re aware of or any, any, any specific advice for anyone who’s sat at home, this has been like a pipe dream, but they’ve never seriously considered it. And then you’d say to them, yeah.

David Cantor:
[00:38:32 – 00:39:14]
I could say something. It kind of goes to a fundamental level of how, you know, I try to live. And it’s an equation. I see. And one part of that equation is uncertainty. I’ve always had uncertainty as part of that. And that to me has been one of the most exciting elements right to this life equation because it’s opened up doors, right? You continue to move. Even if your family continues to grow, you can still move with that family. You can have an education at home and the world can also be that education. So if there’s anyone out there that’s just thinking about it, just take an extra step, speak to somebody, gather information. But don’t gather too much information because there is a lot of noise. It’s an overload.

Richard Taylor, Founder of Plan First Wealth:
[00:39:14 – 00:39:14]
Right?

David Cantor:
[00:39:14 – 00:39:24]
You can go down the rabbit hole for sure. Seek out trusted advice and the pieces will fall together. Uncertainty is always an element, but it’s could be the most fun for me.

Alex Ingrim:
[00:39:24 – 00:40:09]
It’s just don’t let life happen to you. You have to put things in motion. You have to take control of your own life and see the things that you want to come to fruition occur because you did it. And I think if someone would have told me that in my early 20s, that okay, if you want to live in Italy, you’ve got to go do it yourself. You got to push your boundaries, you’ve got to be uncomfortable, then you know, I would have been even more of a risk taker than I already am, which is probably a lot anyway. But you know, it’s really. I realized on my own expat journey that I was the driver at some point. And once I realized I was the driver, it all became easier.

Richard Taylor, Founder of Plan First Wealth:
[00:40:09 – 00:40:11]
Was your wife always totally on board?

Alex Ingrim:
[00:40:11 – 00:40:25]
Oh, yes, she’s. I mean, look, I’ve lived in six countries, she’s probably lived in eight. She left home at 21, I left home at, you know, 19. As far as leaving our countries. So she’s probably as restless as I am or more.

Richard Taylor, Founder of Plan First Wealth:
[00:40:25 – 00:40:27]
But do you have it now?

Alex Ingrim:
[00:40:27 – 00:40:28]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:40:28 – 00:40:29]
Yeah, me too. Okay, good. Do you have it?

David Cantor:
[00:40:29 – 00:40:30]
What’s that?

Richard Taylor, Founder of Plan First Wealth:
[00:40:30 – 00:40:52]
I just, I. I always want to be moving. I’ve done three. I’ve been in the house I’m in now. It’s the longest house I’ve been in since I graduated, since I was at home, you know, a childhood home. And I’m just itching. I have to override it because now I’ve got family and you’ve got school and I’m here for, for the foreseeable. But you know, I could years and I just want out. Not because anything wrong with it. I just, I need to go somewhere else and do something else.

Alex Ingrim:
[00:40:52 – 00:41:00]
My kids have it. My kids are like, so when, when are we moving? And I’m just like, guys, come on. Like, don’t tempt me. I’m the last person you should tempt.

David Cantor:
[00:41:00 – 00:41:10]
And that is the One of the incredible things about Europe too, right? I mean, you can just go three hours in one direction and you’re in a completely culturally different place. Right.

Richard Taylor, Founder of Plan First Wealth:
[00:41:10 – 00:41:21]
It’s so amazing. Again, as a Brit, never took that. I took that totally for granted. And then because I just, you know, I could be in Paris in an hour, roaming three hours, you know, etc. Etc.

David Cantor:
[00:41:21 – 00:41:21]
Remarkable.

Richard Taylor, Founder of Plan First Wealth:
[00:41:21 – 00:41:27]
And then when that was gone, he’s like, oh, that. That is one thing I took for granted. And another thing is walkable towns and cities.

Alex Ingrim:
[00:41:27 – 00:41:27]
Oh, yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:41:28 – 00:41:30]
Again, I just assumed everywhere was walkable and it’s just not the case.

Alex Ingrim:
[00:41:31 – 00:41:40]
No, no. And it’s so refreshing not having to drive. I mean, it. It can bother you from day to day, but I don’t miss it one iota.

Richard Taylor, Founder of Plan First Wealth:
[00:41:40 – 00:41:43]
Wow. All right, chaps. Where can people find you?

Alex Ingrim:
[00:41:44 – 00:41:56]
So the best place is probably just our website, so. Libertyatlantic.com so go on there. We have a contact form. You can get in touch with us and just check out what we’re about in the countries that we serve.

Richard Taylor, Founder of Plan First Wealth:
[00:41:56 – 00:41:57]
Okay.

David Cantor:
[00:41:57 – 00:41:58]
And come visit us.

Alex Ingrim:
[00:41:58 – 00:41:59]
Yeah, yeah, come visit us.

David Cantor:
[00:41:59 – 00:42:01]
Definitely anywhere in Europe.

Alex Ingrim:
[00:42:01 – 00:42:01]
Yeah.

Richard Taylor, Founder of Plan First Wealth:
[00:42:02 – 00:42:07]
Awesome. Right. Well, listen, thank you so much for coming on. This has been a masterclass. We’ve gone everywhere. Thank you.

David Cantor:
[00:42:07 – 00:42:07]
Thank you.

Alex Ingrim:
[00:42:07 – 00:42:08]
Thanks for having us.

Richard Taylor, Founder of Plan First Wealth:
[00:42:08 – 00:42:09]
Should we go and get a beer?

Alex Ingrim:
[00:42:09 – 00:42:10]
Yeah, sure.

Richard Taylor, Founder of Plan First Wealth:
[00:42:10 – 00:42:15]
Yeah. You need to. I’m. I’m itching to move to Rome right now, so let me off a ledge or talk me over it.

Alex Ingrim:
[00:42:15 – 00:42:16]
Get him already.

Richard Taylor, Founder of Plan First Wealth:
[00:42:17 – 00:42:18]
All right. Cheers, guys.

Alex Ingrim:
[00:42:18 – 00:42:18]
Thank you.