Retirement planning becomes more complicated when life crosses borders—whether you’re moving abroad, working in another country, or returning home. Financial advisor Jimmy Miller explains the hidden tax traps that can follow people across countries and sometimes surface decades later. And for women, there are additional retirement risks worth understanding, even without a passport.

In this conversation:

• Tax time bombs for Americans abroad and expats returning home from the U.S.

• How retirement accounts can create unexpected tax consequences

• Why tax treaties and residency rules matter

• The importance of women understanding their family finances

• The widow’s tax penalty and its financial implications

• Why it’s never too late to make smarter retirement decisions

A conversation about asking better questions today to protect your choices and financial independence tomorrow.

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Jimmy Miller is a fiduciary financial advisor, author, speaker, and lifelong traveler who brings a truly global perspective to financial planning. Having lived internationally for much of his life, Jimmy understands firsthand the complexities that come with managing money across borders.

Born in Zambia and raised around the world, Jimmy’s global upbringing shaped his interest in how financial systems differ — and how easily long-term risks can go unnoticed when life spans multiple countries. That perspective has guided a 20-plus-year career in financial services, beginning in traditional advisory roles and evolving into an independent firm built specifically to serve internationally mobile lives.

Jimmy is the author of Divorce the IRS, now in its second edition, a best-selling book that explores what he calls “tax time bombs” — hidden tax issues that can quietly build over time and impact retirement income and financial flexibility, also for Americans living or retiring abroad.

Through Baobab Wealth Abroad, Jimmy focuses on educating expats and globally mobile families about cross-border financial and tax considerations during both their working years and retirement. His work emphasizes clarity, long-term thinking, and understanding how today’s decisions can create consequences years — or countries — later.

Known for translating complex topics into practical, accessible ideas, Jimmy brings a grounded, relatable voice that resonates with expats who want their financial decisions to support an international life, not complicate it.