Financial Advisor for NRIs in the United States

Specialising inInvestment Planning, 401(k) Exit Strategy, Relocation Planning, Retirement Planning, Tax Advisory, Estate Planning

Get personalized guidance from our CPAs and RIAs to help you make smarter financial decisions across borders.

Trusted by NRIs
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$200M+
Assets managed for NRIs
30+ years
Cross-border advisory expertise
RIAs
Certified tax & financial advisors
US & India
Covered together
Who we help

Financial advisory for NRIs at every stage of life in the US

Managing money across two countries is uniquely complex. We work exclusively with NRIs who face this every day.

H1B & Visa Holders
H1B & Visa Holders
Building wealth in the US while family, property, and your future stay in India — we manage both sides.
Green Card Holders
Green Card Holders
Long-term US roots, but your India investments, NRE accounts, and family obligations still need active management.
High-Earning NRI Professionals
High-Earning NRI Professionals
US income, India assets, two tax systems — one advisor who finally understands all of it.
NRIs Planning to Return to India
NRIs Planning to Return to India
FEMA status, NRE accounts, 401(k), and India corpus — our retirement planning service ensures everything is coordinated and in place before you land.
NRIs with India Property or Family Assets
NRIs with India Property or Family Assets
Rental income, inherited property, or a family business — we keep FEMA and tax compliance clean.
Newly Relocated NRIs
Newly Relocated NRIs
New to the US? We set up your NRE/NRO accounts and tax foundation from day one.
Services

One advisor for your
cross border financial life

Most NRIs have a US accountant and an India CA who never speak to each other. We bring both sides together into one US-India financial planning relationship so nothing falls through the gap.

NRI financial advisor in a consultation

Indian funds, US equities, and NRE/NRO accounts managed as one portfolio. Every allocation accounts for PFIC risk and your India return timeline.

Your 401k, Social Security, and India corpus modelled together before any withdrawal decision is made. We map every exit scenario against US and India tax so you don't commit to a move date with incomplete numbers.

India mutual funds and ULIPs are PFICs under US law, and missing Form 8621 triggers the IRS excess distribution regime going back to the year of purchase. We file annually and advise on whether your current holdings are worth keeping.

FBAR is mandatory when Indian accounts exceed $10,000, and most NRIs overpay tax because DTAA treaty credits are never applied across both returns. We file FBAR and FATCA on time and recover the double taxation.

Your FEMA status, RNOR window, and 401k exit all need to be sequenced before you book a flight, and getting any one of them wrong is expensive to undo. We build the pre-move financial roadmap so nothing is left to figure out on arrival.

NRI estates span two legal systems and two inheritance frameworks, and a will valid in one country may not transfer correctly in the other. We structure wills and nominee designations so your family isn't navigating probate across both countries.

Why InvestMates

The NRI financial specialist you've been looking for.

US and India managed as one plan.

Most financial plans treat your US wealth and India wealth as separate files. When decisions on one side don't account for the other, that's where gaps form. We build a single plan that covers both so every decision reflects the full picture.

Flat fee. No commissions.

We charge a flat fee and earn nothing from the products we recommend. Our advice is the same regardless of what you buy, because we don't benefit from one choice over another.

We only work with NRIs.

PFIC, FBAR, RNOR, DTAA. These are not edge cases for us. They are what we do every day. As a financial advisor for NRIs, every client we work with is an NRI, so the advice is built around situations most advisors have never encountered.

We find the gaps before they get expensive.

Most NRIs discover their compliance exposure after a penalty arrives. We run a proactive review of your FBAR, PFIC, and cross-border tax position so the gaps are caught before they become costly to fix.

Your advisors

Meet the advisors behind your plan

Work with a cross-border financial advisor for NRIs — a US-based CPA and an IRS Enrolled Agent, both with direct experience guiding NRIs through tax and compliance on both sides.

Krishnan Subramanian
CPA · Cross-Border Tax Advisor
Krishnan Subramanian
CPA and Cross-Border Tax Advisor · 30+ years

Krishnan has 30+ years of experience in US and India taxation. He handles FBAR, FATCA, PFIC, DTAA, and cross-border capital gains for NRI clients. He structures tax-efficient plans that look at both countries together, ensuring treaty benefits are applied correctly and compliance obligations are met on both sides.

Shabrish Menon
RIA · Investment Advisor
Shabrish Menon
Wealth & Investment Planning · 15+ years

An investment advisor with over 15 years of experience, Shabrish helps NRIs in the US turn their goals into a clear financial plan. He designs personalized investment strategies and goal-based portfolios, combining disciplined research with practical judgment to guide every decision with confidence and clarity.

What clients say after working with us

Rajesh
Rajesh
Austin, TX

I had held India mutual funds for seven years without filing Form 8621. My regular CPA said it was fine. InvestMates found the PFIC issue, quantified the exposure, and filed a retroactive catch-up. No IRS penalties. I should have done this years earlier.

Priya
Priya
Seattle, WA

I moved back to India with $300K in a Schwab account and no plan. I did not know if I could keep it, who would manage it, or what the NRI tax rules were. InvestMates handled the reclassification, W-8BEN filing, and ongoing portfolio management remotely. My account is compliant and still working for me.

Sanjay
Sanjay
San Francisco, CA

After 20 years in the US, I had never modeled what my 401(k), Social Security, and India corpus looked like together. InvestMates ran the full retirement model with US and India tax included. I finally understood what I had to retire on, and what I needed to do before I could leave.

Ganesh
Ganesh
NRI Relocated to India

I had $700K in a 401(k) and four months before moving to India. My broker had no answer, my CA in India had no idea how 401(k)s are taxed in both countries. InvestMates ran the full withdrawal scenario with DTAA credit. I left the first call with an actual number and a SEPP plan.

Frequently asked questions

Have questions about NRI financial advisory? We have answers.

NRI Financial Advisor

Ready to get clear on your finances?

Book a free 30-minute strategy call with an NRI financial advisor who understands both the US and India.

Build a clear financial plan across the US and India!

Talk to a financial advisor for NRIs who will tell you exactly what your situation needs across investments, taxes, compliance, and retirement planning, before you commit to anything.