Nardis Advisors

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Nardis Advisors We are a fee-only, fiduciary advisor serving US expats, with a special focus on Israel.

We are a go-to solution for investors who want more
responsiveness, more communication and more accountability... and who may not be getting these important benefits.

10/18/2026

Mythbuster: "I don't live in the US and don't pay US taxes, so I don't need to file."

You might still need to file, even at zero tax owed.

• The US taxes based on citizenship, not residency. As of now, it's one of only two countries in the world that works this way.
• If you're a US person earning over a certain threshold, you generally have to file a US tax return, even if a tax treaty means you owe little or nothing.
• The treaty affects what you owe. It doesn't affect whether you have to file.

💬 Not sure if this applies to you? Send us a message or comment below.

Still think you lose your Social Security benefits once you move to Israel? You don't.October is Retirement Security Mon...
10/14/2026

Still think you lose your Social Security benefits once you move to Israel? You don't.

October is Retirement Security Month in the U.S., so we pulled together the facts

American olim actually need to know about how Social Security works once you're living
abroad.

✔️ Leaving the U.S. doesn't disqualify you. You still need 40 work quarters, same as
everyone else.
✔️ Your benefit is calculated from your top 35 earning years, so gap years can matter
more than people expect.
✔️ U.S. Social Security and Israeli Bituach Leumi are entirely separate systems. One
doesn't reduce the other.
✔️ Waiting to claim can raise your benefit substantially between age 62 and 70. The right
age depends on your own numbers.
✔️ Under the U.S.-Israel tax treaty, Social Security is tax-free for Israel residents,
in both countries.

At Nardis Advisors, we help Americans in Israel line up U.S. benefits and Israeli rules so
nothing falls through the gap between the two systems.

Read the full breakdown here: https://nardisadvisors.com/13-social-security-facts-for-2026/?utm_source=Facebook&utm_medium=social&utm_campaign=socialsecurityfacts&utm_content=image_carousel

For more expat money breakdowns like this, subscribe to our newsletter, The Dreidel.

Not personalized advice, every situation is different. See full disclosures at nardisadvisors.com.

Tonight! You live overseas. Your investments are still in the U.S. Now what?Getting to your own money from abroad can be...
10/13/2026

Tonight! You live overseas. Your investments are still in the U.S. Now what?

Getting to your own money from abroad can be harder than it should be. And if something
ever happens to you, it can get much harder for your family.

In this free webinar, a U.S. trust attorney, a CPA who works with Americans abroad, and a financial advisor walk through:

✔️ Accessing your money now, planning for incapacity, and passing it on
✔️ Simpler ways to reach your U.S. financial, Social Security, and tax records
✔️ Whether consolidating scattered accounts makes sense for you

🗓️ Tues, Oct 13 | 7 PM Israel / 12 PM EST
🎥 Free webinar. Recording sent to all registrants.

Signup: https://nardisadvisors.com/how-to-access-your-us-assets-when-living-overseas/?utm_source=Facebook&utm_medium=social&utm_campaign=octwebinar&utm_content=image_graphic

10/12/2026

You live overseas. Your investments are still in the U.S. Now what?

Getting to your own money from abroad can be harder than it should be. And if something ever happens to you, it can get much harder for your family.

In this free webinar, a U.S. trust attorney, a CPA who works with Americans abroad, and a financial advisor walk through:

✔️ Accessing your money now, planning for incapacity, and passing it on
✔️ Simpler ways to reach your U.S. financial, Social Security, and tax records
✔️ Whether consolidating scattered accounts makes sense for you

🗓️ Tues, Oct 13 | 7 PM Israel / 12 PM EST

🎥 Free webinar. Recording sent to all registrants.

Signup: https://nardisadvisors.com/how-to-access-your-us-assets-when-living-overseas/?utm_source=Facebook&utm_medium=social&utm_campaign=octwebinar&utm_content=image_graphic

10/11/2026

Mythbuster: "Give up your US citizenship and you lose your 401(k) or IRA."

Not the case. Renouncing citizenship (not something we'd ever recommend, and not what this post is about) doesn't touch what you've already saved.

• Your IRA or 401(k) balance is still yours. The same rules apply for when you can, and
have to, take money out.
• The real difference shows up on the tax side. As a non-citizen, a distribution can face
withholding up to 30%, though this depends on your custodian.
• If a tax treaty applies and that income is taxed where you live, you may get a credit back
for what was withheld.

This is general information, not personalized tax advice. Every situation is different, so talk to a tax professional about yours.

💬 Questions about what citizenship changes actually mean for your accounts? Send us a
message or comment below.

Ever tried to log into the IRS, the SSA, or another U.S. government site from overseas and hit a wall at ID.me?It's the ...
10/08/2026

Ever tried to log into the IRS, the SSA, or another U.S. government site from overseas and hit a wall at ID.me?

It's the identity verification system a lot of U.S. agencies now require, and it's not always straightforward to get through once you no longer have a U.S. phone number or address on file.

At Tuesday's webinar, Yaacov Jacob, CPA will walk through how ID.me actually works and how to get through it from abroad, alongside the rest of what it takes to reach your U.S. financial, Social Security, and tax records while living overseas.

📅 Tues, Oct 13 | 7 PM Israel / 12 PM EST
🎥 Free. Can't make it live? Register and we'll send the recording.

Reserve your spot: https://nardisadvisors.com/how-to-access-your-us-assets-when-living-overseas/?utm_source=Facebook&utm_medium=social&utm_campaign=octwebinar&utm_content=image_graphic

You live overseas. Your investments are still in the U.S. Getting to your own money from abroad can be harder than it sh...
10/06/2026

You live overseas. Your investments are still in the U.S. Getting to your own money from abroad can be harder than it should be, and if something ever happens to you, it can get much harder for your family.

Join Adv. Avrum Aaron, Yaacov Jacob, CPA, and Norman H. Chait, CFA for a free webinar
on:

✔️ Accessing your money now, planning for incapacity, and passing it on
✔️ Simpler ways to reach your U.S. financial, Social Security, and tax records
✔️ Whether consolidating scattered accounts makes sense for you

📅 Tuesday, October 13, 7pm Israel / 12pm EST. Free, and the recording goes to everyone
who registers.

Reserve your spot: https://nardisadvisors.com/how-to-access-your-us-assets-when-living-overseas/?utm_source=Facebook&utm_medium=social&utm_campaign=octwebinar&utm_content=image_graphic

10/05/2026

Mythbuster: "Move abroad and you lose your Social Security." Not true. If you've earned it, it's yours.

• You need 40 credits (about 10 years of work) to qualify. Those quarters don't have to be back to back, they just have to add up over your working life.
• Once you're eligible, that benefit is yours for good, no matter where you live.
• A handful of countries are the exception (Social Security generally stops if you're in a place like Cuba or North Korea), but otherwise it follows you.
• Payments can go straight into your Israeli bank account, in shekels.

💬 Have questions about how this works for you? Send us a message or comment below.

You live overseas. Your investments are still in the U.S. Now what? Getting to your own money from abroad can be harder ...
10/04/2026

You live overseas. Your investments are still in the U.S. Now what?

Getting to your own money from abroad can be harder than it should be. And if something ever happens to you, it can get much harder for your family.

In this free webinar, a U.S. trust attorney, a CPA who works with Americans abroad, and a financial advisor walk through:

✔️ Accessing your money now, planning for incapacity, and passing it on
✔️ Simpler ways to reach your U.S. financial, Social Security, and tax records
✔️ Whether consolidating scattered accounts makes sense for you

🗓️ Tues, Oct 13 | 7 PM Israel / 12 PM EST
🎥 Free webinar. Recording sent to all registrants.

Signup: https://nardisadvisors.com/how-to-access-your-us-assets-when-living-overseas/?utm_source=Facebook&utm_medium=social&utm_campaign=octwebinar&utm_content=image_graphic

Address

2 Overhill Road
Scarsdale, NY
10583

Telephone

+19149970403

Website

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