Financial planning across borders
Bring cash flow, investments, protection, retirement, and family goals into one coordinated financial picture.
MRA Advisory Group
Financial clarity for Americans living in Brazil.
Bring your U.S. investments, long-term goals, and life in Brazil into one connected financial plan.
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Based in São Paulo
Jonathan DeBrito
International Wealth AdvisorLocal perspective, connected planning
There is more to consider when your life crosses borders.
Americans in Brazil often have financial decisions that do not fit neatly inside one country, one account, or one professional relationship. MRA helps connect the moving parts so your choices support the same goals.
Our team brings local expertise in Brazil, including an international wealth advisor who lives in São Paulo and has experience in the Brazilian investment market.
How MRA can help
Advice built around your full financial life.
U.S. investment management
Build and manage a portfolio around your objectives, risk profile, time horizon, and life in Brazil.
Tax-aware planning
Make financial decisions with an understanding of how U.S. and Brazilian considerations can affect the bigger picture.
Protection and estate coordination
Review the coverage, beneficiaries, and legacy decisions that help protect the people and priorities you care about.
A better starting point
Answers that begin with your real life.
How should I manage U.S. investments while living in Brazil?
Your portfolio should be connected to the currency, cash-flow, tax, and long-term decisions that shape your life in Brazil, not managed as a separate account.
Can MRA help me coordinate decisions on both sides of the border?
Yes. MRA brings your financial decisions into one planning conversation and can work alongside the professionals you rely on for legal and tax matters.
Why does local expertise matter?
The practical realities of living in Brazil affect timing, transfers, family decisions, and the questions worth asking. Local perspective makes those conversations more useful from the start.
The 10 Biggest Financial Mistakes Americans Make Moving to Brazil
The costly mistakes are usually not one dramatic decision. They are a series of uncoordinated choices around taxes, account access, insurance, property, currency, estate documents, and retirement income. A connected plan helps identify those blind spots before they become expensive.
Living in Brazil? Here’s What Happens to Your IRA?
Your IRA remains a U.S. retirement account, but withdrawals, required distributions, and Brazilian tax treatment deserve careful coordination. Traditional IRA distributions are generally taxable in the United States, while Roth treatment depends on whether a distribution is qualified.
Social Security While Living in Brazil
Eligible U.S. citizens can generally receive Social Security payments while living in Brazil. Before moving, confirm your payment setup, reporting responsibilities, and how benefits fit into your U.S. and Brazilian tax picture.
Medicare and Healthcare in Brazil
Original Medicare generally does not cover routine care outside the United States. Review your enrollment choices, private health coverage, and the costs you would face in Brazil before relying on Medicare as part of your healthcare plan.
U.S. Taxes for Americans Living Abroad
Living abroad does not end your U.S. filing responsibilities. Americans generally report worldwide income, and options such as the foreign earned income exclusion or foreign tax credit may help in the right circumstances.
Should Americans Buy Property in Brazil?
Property can support a lifestyle plan, but it should be evaluated alongside cash flow, local taxes, title and legal diligence, currency exposure, financing, and the effect on your estate plan.
Investing While Living Overseas
Investment decisions should account for where you spend, the currencies you use, tax reporting, account access, and the time horizon for each goal. A portfolio built for life in the United States may need a closer look once your day-to-day life is in Brazil.
Estate Planning for U.S.-Brazil Families
A cross-border family needs estate documents, beneficiary designations, account titling, and local legal guidance that work together. Coordinating those pieces can help avoid confusion for the people you leave behind.
How Currency Exchange Can Destroy Retirement Income
When your spending is in Brazilian reais and much of your wealth is in U.S. dollars, exchange-rate swings can change how far a fixed withdrawal goes. A retirement-income plan should consider currency exposure, spending flexibility, and a cash reserve for near-term needs.
Returning to the U.S. After Years in Brazil
A move back can affect taxes, health coverage, banking, benefits, investments, housing, and the timing of major withdrawals. Planning before the move gives you more control over the transition.
A practical planning resource
The Essential Financial Guide for Americans Living in Brazil
Get a clear overview of the decisions that deserve attention when your financial life spans two countries.
- Taxes and investments
- Social Security and banking
- Currency and estate planning
- Retirement and healthcare
Free download
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Start with a conversation
Make your next financial decision a connected one.
Meet with an advisor who understands the questions Americans in Brazil need to ask.
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