Welcome to America! Now let's talk money.

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A Discussion on Saving, Investing and Taxes for International Families in the U.S.A.

Many successful Italian and foreign-born professionals continue to build their futures in the United States. Some arrive as young entrepreneurs hoping to launch a company, while others bring established careers and specialized expertise that is highly valued in the American market.

What many discover, however, is that obtaining U.S. tax residency significantly increases the complexity of their personal financial lives. From tax rules and investment restrictions to retirement plans and cross-border reporting obligations, the learning curve can be steep. Even long-term residents often wonder what financial and tax challenges they may face if they eventually return to Italy or relocate elsewhere.

This session is organized by COMITES of San Francisco with the expertise of Cerity Partners and will address the issues most commonly encountered by Italians and other international professionals, answer frequently asked questions, and provide practical guidance. The format will include time for Q&A.

The presentation will focus on five key areas:

• Wealth creation and savings strategies, including 401(k) plans, Roth accounts, stock compensation, and retirement planning for new U.S. residents

• Global investment approaches suitable for internationally oriented families

• Real estate considerations, including owning property in the U.S. and maintaining property abroad

• Cross-border tax planning to minimize tax exposure and preserve long-term wealth

• Estate planning and wealth transfer for families with assets spanning multiple countries

About the Speakers

Andrew Fisher is a Partner and Senior Wealth Advisor with Cerity Partners based in San Francisco. He serves as the practice leader for Cross-Border Planning, having long specialized in advising successful cross-border families – both Americans living abroad and foreign professionals living in the U.S. His expertise spans investments, tax planning, global retirement, and estate planning. He is the author of The Cross-Border Family Wealth Guide, a personal financial planning book for internationally oriented families. He frequently speaks about the unique financial complexities and planning opportunities available to international families with ongoing U.S. tax filing requirements.

Marco Ottonello is a Principal at Cerity Partners in San Francisco. His perspective blends Italian roots, international business leadership, and hands-on financial planning experience. Marco earned his B.S. in Business Administration from Bocconi University in Milan and completed his MBA at Harvard Business School. His career includes senior roles at eBay in both the U.S. and abroad, co-founding and advising the startup Rame, and providing financial planning to globally mobile households. His work today focuses on helping international professionals navigate the U.S. financial system with clarity and confidence.

About Cerity Partners

Cerity Partners is a national, independent financial advisory firm serving high-net-worth individuals and families, businesses and their employees, and nonprofit organizations across the United States. The firm integrates tax advisors, financial planners, investment specialists, and retirement consultants to provide coordinated, objective financial guidance. More information is available at www.ceritypartners.com.