The first 90 days abroad contain decisions that cost almost nothing in the moment, and that cost five figures by year three if missed. This plan covers UK to Spain, Australia to the UK, US to Portugal, South Africa to Australia, and every other major arrival route in the same framework.
The padrón you did not register. The Modelo 720 you did not know about. The Beckham window you missed by three weeks. The special regime in Italy you were not told had a 90-day application deadline. The pension provider you did not notify in writing. Each of these is free to do in week three. Each is expensive to unwind in year three.
This guide was built by advisers helping expat families settle into new countries every month. It covers the weeks 1 to 2 foundations (residency, tax ID, banking, healthcare), weeks 3 to 4 reporting triggers (foreign-asset disclosure, FBAR and FATCA, special-regime applications), and weeks 5 to 8 structural decisions (wrapper compatibility, wills, investment positioning). Each item names what it is, why it matters in the first 90 days, and the typical cost of leaving it.
If you have arrived recently and several of the week 3 to 4 items are still untouched, this is not a panic moment, but it is a "this month" moment. A short conversation with one of our advisers can help you catch the ones that still have a window.
