u/Safe_Rough_845

Hello everyone,

I'm kind of running in circles with what to do with my brokerage situation now that I'm living in France. I am here on a work visa and getting a French salary. I already have a taxable IBKR brokerage account (opened in US), and taxable AND Roth IRA accounts with Schwab.

I have an address I can use in the US for my mailing address, but now that I'm going to start claiming Foreign Tax Credit on my tax returns I'd rather keep everything a bit clearer and not pretend I'm living in the US still for brokerage purposes.

What I'm thinking of doing is opening a Roth IRA with IBKR, transferring my Schwab IRA to IBKR (to avoid penalties), and then updating to my foreign address to both accounts. From what I understand, I won't be able to invest in ETFs. My current positions are in individual stocks.

Is this the best way to go about this transition, while not risking any accounts getting shut down or any regulatory issues?

Thanks in advance for your comments and suggestions

Hello all, I just got the Atmos Summit and am working on the sign up bonus for the next few months. Probably won't keep it past the first year. I'm a US citizen who recently moved to France, I visit home often and have a mailing address there.

I've done a mix of light churning and strategic card setup, for example getting the USB Altitude Connect for the free eSIMs and priority pass, and the Harris Teeter rewards which randomly has 5% back on mobile pay (up to 3k spend per year) and no FTF. I'm churning Atmos Summit now to cover our summer travel in 2027, but looking ahead wondering what my next card should be for 2027 holiday travel. We travel economy and I've found AAdvantage and Atmos to have the best redemptions, but open to your suggestions. Amex probably not useful since it's not accepted widely outside the US.

• Current cards: (list cards, limits, opening date)
  • BofA Travel Rewards, January 2017, $6000
  • Venture X, March 2024, $10000
  • WF Autograph, June 2024, $1500
  • Barclays AA Aviator now Citi AA Platinum Select, July 2024,
  • Venture now downgraded to Savor, February 2025, $7000
  • Harris Teeter Rewards World Elite, August 2025, $1000
  • USB Altitude Connect, April 2026, $8000
  • BofA Atmos Summit, August 2026, $12000
• FICO Score:  745
• Oldest account age: 9 years 6 months
• Chase 5/24 status: 5/24, will be 4/24 February 2027
• Income: $34,000 (French job)
• Average monthly spend and categories:
  • dining $500
  • groceries: $400
  • gas: $0
  • travel: $100
  • other: $100
• Open to Business Cards: Not really, probably more difficult to open living abroad and don't spend enough
• What's the purpose of your next card? Racking up SUB points/miles for flights. Big preference for American Airlines or Atmos miles.
• Do you have any cards you've been looking at? Atmos Ascent, CSR, CSP
• Are you OK with category spending or do you want a general spending card? either is fine as long as no FTF

Thank you <3