In today’s financial environment, stock markets are reaching all-time highs, and interest rates are on a downward trend. This combination creates a challenging situation for investors relying on traditional income-generating assets like stocks, bonds, and CDs. With stock prices inflated, the returns on CDs and bonds shrinking due to lower interest rates, many investors are seeking alternative strategies to diversify their portfolios and generate income.

In this blog post, we’ll explore several alternative investment options—such as covered calls, put writing, gold, silver, bitcoin, and preferred stock—that can help investors maintain income and diversify their portfolios outside of traditional stocks and bonds.

 Overview

Covered calls are a popular strategy for investors who want to generate additional income from their existing stock or ETF holdings. This strategy involves selling a call option on an asset you already own, which allows you to collect a premium in exchange for agreeing to sell the asset at a predetermined price (strike price) if the buyer exercises the option.

For investors looking to employ this strategy without having to manage individual options, covered call ETFs like JEPI (JPMorgan Equity Premium Income ETF) can be a perfect solution. JEPI, for example, is designed to provide monthly income by investing in a portfolio of large-cap stocks while using covered calls to enhance yield.

Mechanics of Covered Calls with ETFs

Benefits of Covered Calls with ETFs

 Risks of Covered Calls with ETFs

 Strategic Considerations

Covered calls are best suited for investors who own stocks or ETFs they plan to hold for the long term and who are looking for ways to generate additional income from those holdings. It’s particularly useful in a market where the investor expects the stock price to stay relatively stable or rise slightly. Investors should also consider their overall portfolio risk, as covered calls do not protect against large losses and are best used with stocks that the investor is comfortable holding.

 Overview

Put writing, also known as selling put options, is a strategy in which investors sell put options on stocks or ETFs they are willing to buy. The seller collects a premium from the option buyer in exchange for the obligation to buy the stock at a predetermined price (the strike price) if the option is exercised. The strategy works best when the investor believes the price of the underlying asset will stay above the strike price.

For investors looking to engage in put writing without handling individual options, put writing ETFs like WTPI (Wellington Tactical Premium Income ETF) can offer a straightforward solution. WTPI uses the put writing strategy to generate income by selling put options on a diversified portfolio of stocks.

Mechanics of Put Writing with ETFs

Benefits of Put Writing with ETFs

Risks of Put Writing with ETFs

Strategic Considerations

Put writing is ideal for investors who are neutral to bullish on a stock and willing to purchase it at a discount if the price falls below the strike price. The strategy can provide a consistent income stream, but it does come with the risk of potentially having to buy a stock at an unfavorable price.

Investment Vehicles

Gold and silver have been prized as stores of value for centuries, especially during times of economic uncertainty. These metals do not generate income in the traditional sense, but they serve as a hedge against market volatility, inflation, and currency fluctuations.

Investors can gain exposure to gold and silver in several ways:

Historical Performance

Gold has a long history of performing well during economic crises and periods of high inflation. It tends to retain value or appreciate when other markets are experiencing downturns. Similarly, silver, though more volatile, often tracks gold’s movements and can also serve as a store of value.

Over the past few decades, both metals have seen substantial price increases, though with periods of volatility. Gold, for example, has appreciated dramatically from under $300 an ounce in the early 2000s to over $1,800 per ounce in recent years.

Strategic Considerations

Gold and silver can be powerful diversifiers in a portfolio, especially when markets are uncertain or inflation is rising. However, unlike stocks or bonds, they do not generate dividends or interest, so their primary value comes from price appreciation.

Overview

Bitcoin is a decentralized digital currency that operates on a peer-to-peer network, independent of any central bank or government. Over the past decade, Bitcoin has emerged as a prominent alternative investment due to its potential as a hedge against inflation and as a store of value.

Historical Performance

Bitcoin’s performance has been marked by dramatic price swings. From under $1,000 per Bitcoin in 2017 to over $60,000 in late 2021, Bitcoin has captured the attention of both retail and institutional investors. Despite its volatility, Bitcoin has demonstrated impressive long-term growth potential, making it an attractive investment for those willing to accept higher risk for potentially higher returns.

While Bitcoin has outperformed many traditional assets in the last decade, it is important to note that it remains highly speculative and can experience significant price fluctuations over short periods.

Strategic Considerations

Bitcoin is a relatively new asset and can offer high returns for investors willing to take on more risk. However, it is essential to approach Bitcoin with caution, particularly in terms of portfolio allocation. Due to its volatility, Bitcoin should likely be a small portion of a diversified portfolio.

Characteristics

Preferred stocks are hybrid securities that combine characteristics of both bonds and common stocks. They offer fixed dividends, which are often higher than those of common stocks, providing a steady income stream. In the event of liquidation, preferred shareholders have a higher claim on assets than common stockholders but are subordinate to bondholders.

Historical Returns

Preferred stocks have historically provided attractive yields, especially in low-interest-rate environments. As of March 2025, the median yield on preferred stocks is around 6%, with some preferreds offering yields as high as 7%. These returns tend to be higher than what is available from bonds or common stocks, making them an appealing option for income-focused investors.

Strategic Considerations

Preferred stocks can offer stability and income, but they are also sensitive to interest rate changes. When interest rates rise, the value of preferred stocks may decline, as their fixed dividends become less attractive relative to newly issued bonds. Investors should consider the potential interest rate risk when incorporating preferred stocks into their portfolios.

Overview

Hedge funds are pooled investment funds that employ a variety of strategies to generate returns for accredited investors. These funds typically use sophisticated techniques such as long/short equity, market-neutral strategies, arbitrage, and global macroeconomic strategies.

Performance

Hedge funds are known for their goal of generating positive returns regardless of market conditions. However, the performance of hedge funds can vary widely depending on the fund’s strategy and the manager’s skill. Hedge funds typically charge high fees, including management and performance fees, which can eat into net returns.

Strategic Considerations

Hedge funds are generally limited to accredited investors due to regulatory restrictions. These funds can be highly diversified and offer exposure to strategies not available in traditional investment vehicles. However, the complexity and fees associated with hedge funds mean that they are not suitable for all investors.

Overview

Real Estate Investment Trusts (REITs) are companies that own, operate, or finance income-producing real estate. REITs allow individual investors to pool their money and invest in large-scale, income-generating properties without directly owning the properties themselves. There are two main types of REITs: equity REITs, which own and manage physical properties, and mortgage REITs, which invest in real estate loans.

Performance

REITs have a track record of providing solid returns, often delivering dividend yields higher than traditional stocks and bonds due to their requirement to distribute at least 90% of taxable income to shareholders. Historically, equity REITs have generated average annual returns of around 8% to 12%, depending on market conditions. Mortgage REITs, while offering higher yields, tend to be more volatile due to their exposure to interest rate fluctuations and the performance of real estate loans.

REITs can offer a combination of steady income through dividends and potential for long-term capital appreciation. However, like any investment, their performance is subject to economic conditions, interest rate changes, and real estate market fluctuations.

Strategic Considerations

REITs are an attractive option for investors looking to diversify their portfolios and gain exposure to the real estate sector without the need for significant capital or direct property management. Equity REITs can provide stability and steady income, while mortgage REITs may offer higher yields but come with additional risk.

Investors should be aware of the risks associated with REITs, such as interest rate sensitivity and market volatility. Rising interest rates can increase borrowing costs for REITs, potentially affecting their ability to generate income and pay dividends. Additionally, REITs are subject to the performance of the real estate market, including changes in property values, tenant vacancies, and demand in specific sectors.

Overview

Structured products are investment vehicles created by financial institutions to offer tailored exposure to different asset classes while providing specific risk-return profiles. One popular type of structured product is the market-linked certificate of deposit (CD). These products combine the safety of traditional CDs with the potential for higher returns linked to the performance of underlying assets like stocks, indexes, or commodities.

Market-linked CDs allow investors to earn a return based on the performance of a specified market index or a group of assets over a defined period. While they provide principal protection (i.e., the original investment is returned at maturity), they typically offer no guaranteed return, with the payout tied to the performance of the market index or asset class.

Performance

The performance of market-linked CDs is primarily driven by the performance of the underlying index or asset they are tied to. Unlike traditional CDs, which offer fixed interest payments, market-linked CDs may offer returns that can vary significantly, depending on how the underlying assets perform.

Historically, these products have offered higher returns than traditional fixed-rate CDs due to their market exposure. However, the returns are not guaranteed, and the investor’s return may be limited by the structure of the product (e.g., a cap on returns). The principal is typically protected, making these products attractive to conservative investors looking for exposure to the market with lower risk.

Strategic Considerations

Structured products like market-linked CDs can be an appealing option for investors looking for principal protection with potential upside exposure to markets. However, it’s important to note that the returns on these products are not guaranteed and are often capped.

They can be a good choice for risk-averse investors who want to participate in the market’s upside but are not willing to take on the full risk of equity investments. These products tend to be more complex than traditional CDs, so it’s crucial for investors to understand the structure and the factors that could influence their returns.

Investors should also be aware that market-linked CDs usually come with long-term lock-in periods, meaning that the funds cannot be easily accessed before maturity without incurring penalties. Additionally, investors should consider the creditworthiness of the issuing institution, as the product’s safety depends on the institution’s ability to honor the principal repayment at maturity.

As the stock market remains high and interest rates continue to decline, diversifying into alternative investments can help investors maintain a balanced and profitable portfolio. Strategies like covered calls, put writing, gold, silver, Bitcoin, preferred stocks, hedge funds, and REITs offer ways to enhance income, reduce risk, and protect against market volatility.

By carefully considering these alternatives, investors can achieve greater diversification, mitigate risk, and continue to generate steady income—whether the market is bullish or bearish. It’s important to evaluate your risk tolerance and investment goals before diving into any alternative strategy, and always consult a financial advisor to ensure the right fit for your portfolio.

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When planning for retirement, it’s essential to understand how the average American prepares for it — and how those numbers compare to your own plan. Knowing the averages for savings, retirement age, Social Security benefits, healthcare costs, and lifestyle spending gives you a realistic benchmark for what to expect.

While these averages don’t define what your retirement should look like, they help paint a clear picture of what’s typical — and where the biggest financial risks lie.

The average retirement age in the United States is 62, though the reasons people retire vary widely — from financial readiness to health, job satisfaction, or caregiving responsibilities. About half of Americans retire by 65, the age when Medicare eligibility begins and Social Security becomes a core income source.

Many older adults now delay full retirement or take part-time roles — not only for financial reasons but to stay active and engaged. As of 2025, approximately 20% of adults aged 70–74 remain in the workforce.

Retirement Milestones and Key Ages

When Do Americans Retire?

While few retire before 60, a growing number work past 67, often to maximize Social Security and employer benefits.

Average Life Expectancy and Longevity Data

The average life expectancy in the U.S. is 77 years — 74 for men and 79 for women. But averages can be misleading: a healthy 60-year-old has a 50% chance of living another 25 years or more. That means your retirement savings may need to last 25–30 years.

Here’s the likelihood that a 60-year-old will reach certain ages:

Longevity is one of the most underestimated risks in retirement planning — living longer than expected means needing more income, healthcare, and support later in life.

Most Americans fall short of recommended savings goals. According to recent Federal Reserve data, the median retirement savings for households nearing retirement (ages 55–64) is around $320,000. While that may sound reasonable, it often translates to less than $1,500 a month in sustainable withdrawals.

Savings by Range

This means nearly half of retirees have less than $100,000 saved — leaving them heavily dependent on Social Security.

Debt in Retirement

Many Americans enter retirement carrying some form of debt, which directly impacts their financial stability and overall net worth. About 60% of retirees aged 65 and older still owe money, with mortgages making up roughly three-quarters of their total debt. Around 38% of homeowners aged 65–74 and 30% of those 75 and older continue to have mortgage payments, while others carry balances on credit cards, auto loans, or personal loans. Non-mortgage debt averages around $11,000 for retirees and often carries higher interest rates, reducing the income available for essentials like healthcare and daily living. Since debt lowers net worth, it’s crucial for retirees to factor it into their financial planning—prioritizing the payoff of high-interest loans, evaluating mortgage options, and ensuring that retirement income can comfortably cover both living costs and remaining debt obligations.

Net Worth: The Bigger Picture

Savings alone don’t tell the full story. Many retirees’ wealth is tied up in their homes. Home equity is a major component of net worth. The median homeowner’s equity was about $198,000 in 2022. Including real estate and other assets provides a more accurate view of retirement readiness.

Homeownership remains the largest asset for most retirees. While this adds stability, it can also mean that wealth is “illiquid,” limiting flexibility unless the homeowner downsizes, refinances, or uses a reverse mortgage.

For most Americans, retirement income comes from a combination of Social Security, pensions, personal savings, rental income, and part-time work. However, Social Security remains the foundation of retirement income — nearly nine in ten retirees receive it, and for many, it represents their primary source of support. Yet, Social Security alone rarely covers all living expenses, highlighting the importance of additional income sources such as savings, pensions, or part-time employment.

While the average total income per retiree approaches $57,000 per year, the median — or what most retirees actually live on — is closer to $30,000 per year. This large gap highlights how income is unevenly distributed among retirees: higher earners with investments, pensions, or rental properties significantly raise the average, even though most retirees live on far less.

Household-Level Income

When looking at households headed by someone age 65 or older, the combined income is typically higher, as it may include two Social Security checks or additional retirement savings. The median annual household income for this age group is around $56,000, while the mean is much higher — closer to $85,000–$90,000 — again reflecting the skew created by top earners.

Household Income Brackets for Age 65+ Households

These numbers show that while the average retiree may appear financially comfortable, 70% of older households live on less than $50,000 per year. The reality for many is modest — a combination of Social Security and small withdrawals from savings — while a smaller segment of retirees with pensions or substantial investments enjoy much higher incomes.

Social Security as a Foundation

Social Security provides steady, inflation-adjusted income and remains the most common source of support in retirement. Yet, it was never designed to fully replace pre-retirement earnings — the typical replacement rate (the share of prior income covered by Social Security) is about 40% for middle-income earners. For someone who earned $60,000 per year before retirement, that translates to roughly $24,000 in annual Social Security benefits, underscoring the importance of additional income streams.

Pensions and Employer Plans

Traditional defined-benefit pensions are becoming less common, but they still play a significant role for older retirees who worked in government or unionized sectors. About one in five retirees receives a pension averaging around $2,000 per month, often providing stable, lifetime income. For younger retirees, 401(k) and IRA withdrawals are the primary replacement, though these require careful management to avoid depleting savings too quickly.

Investments, Rentals, and Side Income

Roughly 55% of retirees draw from retirement accounts like 401(k)s or IRAs, with average withdrawals around $1,500 monthly. Some retirees supplement income through rental properties (about 11%) or part-time work (around 20%), both of which can add $1,000–$1,250 per month. However, these sources often depend on health, skillset, and local demand, meaning they can fluctuate.

Family Support and Intergenerational Help

An often-overlooked factor in retirement income is family support. Roughly 30–35% of retirees receive some form of assistance from adult children or relatives — whether through direct financial help, paying bills, or covering medical costs. At the same time, about 20% of retirees provide financial or caregiving support to family members, often grandchildren, which can strain limited budgets.

Putting It Together

For retirees with diversified income — combining Social Security, retirement savings, and perhaps a pension — living comfortably is feasible, especially if major expenses like housing are paid off. However, for those without additional savings or pensions, budgeting becomes crucial. Retirees relying mainly on Social Security often find that healthcare, housing, and inflation can quickly consume most of their income, making financial planning and supplemental savings essential to maintaining stability throughout retirement.

Healthcare costs are among the largest and fastest-growing expenses in retirement. Even with Medicare, retirees face substantial out-of-pocket costs. On average, a retired couple spends about $1,070 per month—or $12,850 per year—on healthcare, including premiums, supplemental coverage, and copays. Over the course of retirement, this adds up to roughly $300,000 per person for medical and insurance expenses alone.

Average Monthly Healthcare Costs

Long-Term Care (LTC) Costs and Needs

Long-term care (LTC) is another major cost that many underestimate. Around 48% of older adults will need some form of paid support, whether at home or in a facility. The average nursing home costs about $7,000 per month, and the typical duration of paid care is around three years—though about 20% of retirees need assistance for five years or longer.

When factoring in these potential long-term care costs, total lifetime healthcare spending can reach $400,000 per person. That means healthcare alone can consume about half of the average retiree’s Social Security income, underscoring the importance of early financial planning and supplemental insurance coverage.

At any given time, about 1.4% of seniors reside in assisted living facilities and 4% receive home health care, showing that most care is provided informally by family. The value of this unpaid care—estimated at over $500 billion annually—is a crucial yet often overlooked component of the U.S. eldercare system.

Total Healthcare Spending in Retirement

Family Support and Caregiving

The majority of long-term care in the U.S. is provided by family, not professionals.

Financially, this can mean lost work hours and out-of-pocket costs for transportation, medications, and household help. Yet, this unpaid care represents over $500 billion in economic value annually.

Retirement spending varies widely, but the average retiree household spends around $60,000 per year, according to recent data from the U.S. Bureau of Labor Statistics (BLS). This amount typically declines slightly over time as housing and work-related expenses drop, but healthcare and leisure costs tend to rise with age. Spending patterns also depend heavily on housing status, location, and desired lifestyle.

Housing Status Matters

Retirees who own their homes outright tend to have lower annual spending, with many living comfortably on $50,000–$60,000 per year. Without the burden of a mortgage, retirees are primarily responsible for property taxes, insurance, and maintenance. In contrast, renters or those living in high-cost areas may need to spend $75,000–$80,000 annually to maintain a similar standard of living, especially in urban or coastal regions. Housing remains one of the most significant retirement expenses, but homeownership provides stability and lowers overall costs.

Healthcare and Insurance

Medical expenses are another growing category of spending for retirees. Healthcare costs account for approximately 15% of total retirement spending. While Medicare covers many costs for those over 65, retirees often need Medigap insurance or other supplemental plans to cover out-of-pocket expenses. Prescription drugs, co-pays, and additional treatments for chronic conditions can quickly add up, particularly for those without additional insurance or savings to fall back on.

Travel and Leisure

Spending on travel, entertainment, and hobbies is another significant expense in retirement. Retirees spend between $7,000–$10,000 annually on leisure, often during their early retirement years, which are referred to as the “go-go years.” These years are marked by higher travel and leisure spending, but as retirees age and health may decline, this spending often tapers off in later years.

Food and Transportation

The costs of food and transportation combined account for 25–30% of total spending. These costs can vary widely depending on the region. Rising food prices and transportation expenses (such as car insurance and fuel) are a growing concern for retirees, especially those living on fixed incomes like Social Security.

Inflation’s Impact

Inflation is one of the major challenges retirees face. For those on fixed incomes, particularly those relying heavily on Social Security, inflation can erode purchasing power, especially when costs in housing, healthcare, and food outpace the typical cost-of-living adjustments. It’s important for retirees to plan ahead for rising costs in these areas to prevent financial strain.

Lifestyle Differences by Wealth

Retirement spending also varies depending on savings levels, net worth, and income sources:

The “Spending Smile” Effect

Studies suggest that retirement spending follows a “smile” pattern, with three distinct phases:

Regional Differences

The cost of living plays a significant role in determining how much retirees need. Those living in low-cost-of-living states, such as Texas, Florida (outside major metros), and Arizona, can live comfortably on $50,000–$60,000 per year. In contrast, those residing in high-cost areas, like California, New York, or coastal cities, may need $80,000–$100,000 or more annually to maintain a similar lifestyle.

Family and Financial Support

About 25–30% of retirees either provide or receive help from family members. Some adult children provide financial support or caregiving assistance, while others may rely on retirees for housing or other living expenses. These intergenerational exchanges of money and time can significantly affect both the spending patterns and savings longevity for many retirees, particularly those with limited financial resources.

About 3% of U.S. retirees live abroad, often stretching their dollars further in lower-cost countries. An increasing number of Americans are choosing to retire outside the United States, with the allure of lower living costs, better weather, and improved healthcare systems being the primary drivers of this trend. As of recent estimates, approximately 760,000 U.S. retirees live abroad, receiving Social Security benefits. This growing trend reflects a desire for a more affordable and comfortable retirement lifestyle.

Among all U.S. retirees, about 17% express an interest in retiring abroad, and this percentage continues to rise, especially as more Americans explore international destinations for their retirement years. Popular destinations for U.S. retirees include countries with lower costs of living, beautiful climates, and accessible healthcare. The most favored countries among American retirees include Mexico, Costa Rica, Portugal, Spain, and Panama.

Top Countries for U.S. Expats in Retirement

Here’s a breakdown of some of the top countries where American retirees are settling and the percentage of expats in these locations:

Why Retire Abroad?

The appeal of retiring abroad is largely driven by the opportunity to enjoy a more affordable lifestyle without sacrificing quality of life. In countries like Mexico and Costa Rica, retirees can stretch their retirement savings further due to lower living and healthcare costs. In addition, many of these countries offer well-established expat communities, making it easier for retirees to settle in and connect with others who share similar experiences.

Moreover, countries like Portugal and Spain provide access to high-quality healthcare systems that are more affordable than in the U.S., a critical factor for many retirees as they age. The weather, cultural experiences, and slower pace of life are also significant attractions, especially for those seeking to escape the stress of living in the U.S.

Retiring abroad may not be for everyone, but for many American retirees, it represents an exciting opportunity to live a fulfilling life in a welcoming and cost-effective environment. As the trend continues to grow, more U.S. retirees will likely choose to take advantage of these global retirement opportunities.

The statistics surrounding retirement in the U.S. reveal a mixed picture. While some Americans have saved enough to retire comfortably, the majority have not. The average savings of retirees is far below what most financial planners recommend, leaving many to rely heavily on Social Security and their ability to work longer. Healthcare costs in retirement are rising, and many retirees will find that these expenses can quickly drain their savings.

For those nearing retirement, understanding these averages can help provide clarity on what to expect in your later years. If you are not on track to meet these averages, it’s important to start making adjustments now, whether by saving more, delaying retirement, or seeking professional financial advice.

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Socially Responsible Investing (SRI) offers a compelling strategy for investors who want to generate financial returns while also supporting social, environmental, and ethical causes. The beauty of SRI lies in its ability to align your investment portfolio with your values, from environmental sustainability to social justice, all while aiming to provide competitive financial growth. The misconception that socially responsible investing requires a trade-off between financial return and social impact has been dispelled as SRI options have evolved. Today, investors can participate in SRI without sacrificing their financial goals.

In this blog, we’ll explore the different SRI options available, discuss the various degrees of screening and shareholder engagement, and highlight how these strategies can offer diversified, customizable solutions without compromising financial returns.

A.         Screening: Aligning Investments with Values: Screening is the process of selecting investments based on specific social, environmental, and ethical criteria. There are two types of screening approaches:

Screening allows investors to align their portfolios with their values, ensuring that their investments reflect their ethical or environmental preferences. While some funds use stringent screening criteria to avoid harmful industries, others may take a more flexible approach, engaging with companies regardless of industry and advocating for better ESG practices from within.

It’s important to note that funds with deep engagement often require more resources for continuous interaction and monitoring, which may result in slightly higher fees compared to funds with base engagement or those that focus on passive ESG practices.

One of the biggest myths surrounding SRI is that it sacrifices financial return for social good. However, this is increasingly untrue. Many SRI strategies now offer competitive, if not superior, returns while aligning with social and environmental values.

The financial performance of SRI funds has improved significantly over the years as more companies integrate sustainability into their business models. Studies have shown that companies with strong ESG practices often outperform their counterparts in the long term due to better risk management, innovation, and customer loyalty. Thus, it’s not just possible but often beneficial to pursue financial returns while staying true to one’s values.

SRI funds typically use the same rigorous financial analysis as traditional funds, ensuring that the focus remains on generating competitive returns. At the same time, these funds assess the social and environmental impact of their investments, allowing investors to feel confident that their portfolios are aligned with their personal values without giving up financial growth.

Not all SRI funds are created equal, and they vary significantly in terms of how they screen companies and engage with corporate practices. Some funds apply strict screening criteria, avoiding investments in companies with negative environmental or social impacts, while others engage directly with companies to influence their practices. Below is a breakdown of how these funds differ:

These funds focus on companies that meet specific ESG standards and exclude those involved in harmful industries. They screen investments based on a range of criteria, including environmental sustainability, labor practices, corporate governance, and product safety.

These funds do not exclude entire industries but instead focus on engaging with companies, including those in potentially controversial sectors, to improve their ESG practices. This approach allows for a broader range of investment opportunities and the potential for greater influence over corporate behavior.

Some funds may not apply much screening or focus heavily on engagement. These funds are more likely to invest in a wide range of companies, including those with weaker ESG practices, while still working to influence those practices through shareholder resolutions or proxy voting.

These varied approaches to screening and engagement provide investors with flexibility, allowing them to align their portfolios with their social and environmental priorities without sacrificing financial return.

There are a variety of SRI options to suit different investor preferences. Whether you prefer passive investment strategies through ETFs and mutual funds or more hands-on approaches with individual stocks and bonds, there is an SRI option for every investor.

ETFs and mutual funds are excellent options for investors who prefer a diversified approach to SRI but do not want to engage directly in shareholder advocacy. These funds are managed by professionals who make investment decisions on your behalf while ensuring that the portfolio meets ESG criteria.

For investors who want more control over their investments, individual stocks and bonds allow for hands-on engagement. This approach enables investors to directly vote on shareholder resolutions, track company performance, and influence corporate decisions. However, managing individual investments requires a greater time commitment and a deeper understanding of shareholder advocacy processes.

Community investing is another impactful way to align financial goals with social responsibility. By investing in low-income and underserved communities, investors support initiatives such as affordable housing and local business development. CDFIs are the key vehicles for channeling funds to these projects, creating lasting economic stability and empowering local communities.

Separately Managed Accounts (SMAs) offer a personalized approach to investing, allowing investors to work closely with financial advisors to select investments based on their specific social and environmental priorities. SMAs are ideal for high-net-worth individuals who want a tailored investment strategy that reflects their values while offering direct involvement in shareholder advocacy.

Selecting the right SRI strategy depends on personal goals, desired social impact, and level of engagement. ETFs like VOTE, USSG, and CRBN are perfect for investors who want diversified exposure with minimal involvement in shareholder advocacy. Mutual funds such as GCEQX and PORTX offer targeted approaches while providing professional management and advocacy.

For those who want to actively engage in corporate decision-making, individual stocks and bonds offer full control. High-net-worth investors can explore SMAs from firms like First Affirmative, Trillium, and Boston Commons to create a personalized, high-impact investment strategy.

At AIO Financial, we recognize that socially responsible investing isn’t one-size-fits-all. Investors have different values, priorities, and desired levels of engagement with companies. That’s where YourStake.org comes in—a platform designed to help investors navigate the complexities of shareholder engagement and select SRI funds that truly align with their goals.

Founded in 2019, YourStake.org allows financial advisors and investors to differentiate between base engagement and deep engagement levels in SRI funds. This distinction is crucial because not all funds engage with companies to the same extent. Some funds may vote on key shareholder resolutions and track ESG performance without interacting directly with companies. Others take a more hands-on approach, regularly communicating with company leadership to influence policies, address ESG shortcomings, and drive long-term improvements.

With YourStake.org, clients can choose the level of engagement that matches their personal values and investment philosophy:

The platform also allows advisors to personalize investment strategies, combining different funds with varying levels of engagement in one portfolio. For example, an investor might allocate a portion of their assets to strictly screened funds that exclude harmful industries while investing another portion in funds that actively engage with a broader range of companies.

By using YourStake.org, investors gain transparency and control over how their money is being used to drive social and environmental impact. It transforms SRI from a passive ethical choice into a customizable, value-driven investment journey, allowing investors to confidently pursue financial returns while making a tangible difference.

This approach ensures that socially responsible investing is both impactful and financially competitive, proving that investors do not have to sacrifice return to align their portfolios with their values.

Socially Responsible Investing provides a unique opportunity for investors to achieve both financial success and meaningful social impact. Whether investing through diversified funds, engaging directly with individual companies, or supporting underserved communities, there are many ways to align financial goals with social responsibility. By choosing the right SRI strategy, investors can contribute positively to society while building their financial future.

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Moving abroad can be one of the most rewarding experiences of your life. Whether you’re planning to retire, work remotely, or simply enjoy a change of scenery, starting fresh in another country offers a blend of adventure, personal growth, and sometimes even financial relief. But international relocation isn’t as simple as packing a few bags—it’s a complex decision that requires thoughtful research and planning.

Here’s an in-depth guide covering all the major points to consider before making the leap to life abroad.

Before you can enjoy sunsets in Spain or long walks through a colonial Mexican town, you need legal permission to stay. Immigration rules vary widely between countries, and what seems straightforward at first can turn into a bureaucratic maze.

Common visa types include:

Important considerations:

Pro tip: Begin your paperwork early. Some visas take months to process. Join expat groups on Facebook or Reddit to gather insights and timelines from others who have gone through the process. If your case is complex, consult with an immigration lawyer who understands both your home country and destination laws.

Many people assume that moving abroad frees them from U.S. tax obligations. That is a costly misconception.

U.S. citizens are taxed on worldwide income. Even if you never set foot in the U.S. during the year, you still need to file a tax return annually.

Tax issues to understand:

Tip: Hire a tax advisor who specializes in expat taxation. Make sure they understand both IRS requirements and local tax regulations. Keep meticulous records, use a service like FBAR to report foreign bank accounts, and avoid penalties.

Lower living costs often attract people abroad, but affordability is relative and requires a thorough comparison of your lifestyle needs.

Make a realistic budget including:

Pro tip: Cost-of-living calculators like Numbeo and Expatistan are useful starting points. Supplement them with conversations in expat groups to see actual spending habits and current prices.

Healthcare is a critical concern for many expats, especially retirees or those with medical conditions.

Evaluate the following:

In some places, expats are eligible to join public healthcare after gaining residency. In others, you must carry private international insurance, which can range from $1,000 to $4,000+ annually depending on age and coverage.

Pro tip: Visit healthcare facilities during your scouting trip. Book a basic appointment to get a sense of the system. Ask local expats which doctors they recommend and whether they feel adequately cared for.

Moving for better weather is one of the top reasons people go abroad, but climate encompasses more than just sunny skies.

Important climate considerations:

Pro tip: Spend a few weeks in your target area during its worst season—whether that’s winter, rainy season, or extreme heat. What you learn may surprise you.

City size impacts nearly every aspect of your experience abroad.

Larger cities offer:

Smaller towns offer:

Questions to ask yourself:

Pro tip: Explore multiple cities during your preliminary visits. Stay a few days in each to experience the vibe, noise, traffic, and community feel.

Living abroad often means you’ll want or need to travel back to your home country—or welcome visitors from there. Having access to a well-connected airport can make or break the convenience of your new life.

Key questions to ask:

A nearby airport means easier travel during emergencies, holidays, or for leisure. If you plan to explore your new region or host guests, being within an hour or two of an international airport is a huge advantage.

Pro tip: Check for budget airlines, flight reliability, seasonal delays, and baggage policies. Use flight search engines like Google Flights or Skyscanner to understand common routes and prices.

Starting over in a new country can be exhilarating, but also lonely—especially in the early months. While you may gain new friends and contacts over time, it’s essential to think about how you’ll stay connected to your existing network.

Considerations include:

You might be moving away from aging parents, adult children, or close friends. While distance doesn’t erase relationships, it changes how they’re maintained. If your new life abroad feels too disconnected, it can affect your well-being.

Pro tip: Build routines for staying in touch—weekly calls, group chats, or digital game nights. Consider joining expat groups to find community locally.

Even if you’re moving to a city with a large expat population, speaking the local language significantly improves your day-to-day experience. It affects not only your ability to handle bureaucracy, but also your comfort, safety, and ability to integrate.

Why local language skills matter:

If you’re moving to a country where you don’t speak the language, consider taking classes before and after you arrive. Many cities offer language exchanges and expat-tailored programs.

Pro tip: Use language learning apps like Duolingo, Babbel, or Pimsleur, but also practice speaking in real situations as often as possible. The goal isn’t perfection—just progress.

Moving abroad can be much easier if there’s a strong expat network already in place. While making local friends is important, expats can help you navigate cultural quirks, provide recommendations, and ease your transition.

Strong expat communities often offer:

However, not all destinations have organized expat networks. Remote areas or smaller towns might require more effort to meet others.

Pro tip: Check platforms like Internations, Meetup, Facebook, or local WhatsApp groups before your move. Look for communities aligned with your age, profession, or lifestyle.

Feeling safe in your new home affects everything from your sleep to your social life. Safety isn’t just about crime; it also includes health risks, infrastructure, and political stability.

Evaluate multiple dimensions of safety:

A city that ranks low in crime stats might still feel unsafe if poorly lit at night or lacking reliable policing. Conversely, a “dangerous” city might feel perfectly safe in specific neighborhoods.

Pro tip: Visit your future neighborhood at different times of day. Use tools like Numbeo for crime reports but trust local perspectives too. Ask expats what they do to stay safe.

Affordability and sunshine won’t make you happy if you’re bored or disconnected. It’s important to find a location that supports the life you want to live.

Think about:

The ideal location complements your personality and values. If you’re a social butterfly, a quiet village might feel isolating. If you love quiet and solitude, a buzzing city might feel overwhelming.

Pro tip: Look for cities with lifestyle newsletters or online event calendars. Spend time in your chosen destination as a “local tourist” before moving.

Renting before you buy property is one of the wisest decisions you can make. No matter how much research you do, you won’t truly understand a place until you live there.

Benefits of renting first:

Many expats who buy property too soon regret it, finding later that another neighborhood or city would’ve suited them better.

Pro tip: Sign a short-term lease (3 to 12 months), ideally furnished, and give yourself time to explore before purchasing property or signing long-term rental agreements.

Relocating abroad is more than a physical move—it’s a mental, emotional, and cultural shift. While it can be one of the most enriching choices you ever make, it’s not without its challenges.

Take your time to:

No two expat journeys are the same. What works for someone else might not suit you. Your ideal destination will balance your financial, social, and emotional needs while supporting the life you want to build.

Done right, moving abroad isn’t just a new chapter—it’s a whole new book filled with learning, connection, and growth.

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In recent years, there’s been a notable surge in Americans purchasing real estate in Mexico. This trend driving Americans to move to Mexico This trend is driven by various factors, including Mexico’s appealing climate, diverse culture, and relatively lower cost of living. We will present why Americans are increasingly drawn to Mexican real estate, the legalities involved, and the potential benefits and challenges they may face.

With its stunning beaches, lush mountains, and temperate climate, Mexico offers a diverse range of environments to suit various preferences, from serene beachfront properties to bustling urban apartments.

• Mexico City: As the capital and largest city, Mexico City offers a vibrant urban environment with rich cultural history, arts, and an international community. The weather is pleasant year-round because of the high elevation.

• Lake Chapala and Ajijic: This area is particularly popular among US and Canadian retirees for its mild climate, scenic beauty, and established expat communities.

• Playa del Carmen and the Riviera Maya: Known for stunning beaches and a more relaxed lifestyle compared to Cancun, this area is popular among younger expats and digital nomads.

• San Miguel de Allende: Known for its colonial architecture and artistic community, San Miguel de Allende in the state of Guanajuato is a UNESCO World Heritage site and attracts many expats for its beauty and cultural richness.

• Puerto Vallarta and Riviera Nayarit: These coastal areas are favored for their beautiful beaches, resort-style living, and active expatriate communities.

• Merida: The capital of Yucatan, known for its colonial architecture, safety, and proximity to Mayan ruins and cenotes, attracts expats interested in a blend of modern amenities and historic charm.

• Tijuana and Baja California: Proximity to the US border makes cities in Baja California attractive for those who wish to stay close to the US, offering a lower cost of living along with beachfront living. The states of Sonora, Chihuahua, Coahuila, Nuevo Leon, and Tamaulipas also boarder the US.

In general, the cost of living Mexico is about one third as much as it is in the US. This is one of the primary attractions for Americans to move to Mexico.

Overall Cost of Living
The cost of living in Mexico is about one third to one quarter

In the US, for a family of four, the average total cost of living, including rent, is about $7,400 per month, while for a single person, these costs are approximately $3,300. These figures can vary based on factors like food, housing, transportation, and personal care expenses. These costs vary greatly depending on where you living, your life style, and if healthcare is covered by your employer.

Here are some estimated costs of living in different Mexican cities. These are the monthly costs in US dollars for one person with a modest, average Mexican lifestyle:

• Mexico City: $1,000
• Los Cabos: $900
• Cancun: $850
• Monterrey: $800
• Tijuana: $775
• Guadalajara: $750
• Hermosillo: $750
• Chihuahua: $725
• Querétaro: $725
• San Luis Potosi: $700
• Puebla: $700
• Toluca: $690
• Michoacán: $690
• Aguascalientes: $675
• Cuernavaca: $675
• Merida: $675
• Nayarit: $660
• Morelia: $660
• Acapulco: $650
• Veracruz: $650
• Durango: $650
• Zacatecas: $640
• Oaxaca: $625
• Yucatan: $600
• Chiapas: $600
• Tabasco: $590
• Campeche: $580
• Hidalgo: $575
• Guerrero: $550

US expats may desire a higher lifestyle than a typical Mexican average. Americans may have additional costs such as travel back to the US and medicare. The cost of living across Mexico can range from $500 – $2,000 per month. A comfortable life in Mexico, including renting a one-bedroom apartment with air conditioning in a good location, can typically be achieved with a monthly budget of about $1,200. This budget includes other expenses like utilities, internet, mobile phone, food, transportation, entertainment, healthcare, and miscellaneous costs.

Cost of Housing
For most people housing is their biggest expense one has. In the US, the median home price reached approximately $428,000. The median home prices varied across states, with the highest in Hawaii ($966,572) and California ($762,981), and the lowest in West Virginia ($155,687) and Mississippi ($171,998).

In Mexico, the average house price is $90,850. As with in the US, home prices vary greatly. Modern condos with ocean views in expat-favorite Puerto Vallarta start at around $120,000, while houses a block from the beach with pools and other amenities can be found in the low $200,000s.

In major urban centers like Mexico City, Monterrey, and Guadalajara, housing prices are generally higher due to increased demand, better infrastructure, and a wider range of amenities. These cities often see a mix of residential options ranging from affordable apartments to high-end luxury properties.

the average rent in the United States is approximately $2,000. Of course, this varies greatly depending on where you are and what time of apartment or home you are renting.

Just for a general comparison, in Mexico the average rent for a one-bedroom apartment in the city center is approximately $600 per month. That is about 30% as much as in the us. This can vary widely based on the city and neighborhood. In some places, particularly in less touristy areas, rents can be much lower.

Income Comparison
One good comparison to see how your quality of life will be in another country is to look at incomes of people living there.

The overall annual median household income in the US is $74,600. There is a big range of incomes, based on type of work, education, and experience. However, 52% of Americans are considered middle class, earning between $42,000 and $126,000 annually.

In Mexico, the median salary is reported to be approximately $20,340. Similarly, income ranges greatly but the salaries are about one-third to one-quarter as much in Mexico compared to the US.

Deciding whether to rent or buy a home in Mexico depends on several factors including your financial situation, lifestyle preferences, length of stay, and future plans.

You can look at costs for buying and renting on websites such as: https://www.vivanuncios.com.mx/ and https://propiedades.com/. They give you some idea of the cost in the region you are looking at.

Advantages of Renting a Home in Mexico
• Flexibility: Renting offers more flexibility, especially if you’re not planning to stay long-term or are still exploring different areas.
• Lower Short-Term Costs: Generally, renting requires less upfront investment compared to buying (like down payments, property taxes, etc.).
• Less Responsibility: Maintenance and repairs are usually the landlord’s responsibility.
• Easier to Move: If your situation changes, it’s easier to move when you’re renting.

Disadvantages of Renting a Home in Mexico
• No Equity Building: Money spent on rent does not contribute to building equity as it would with a mortgage.
• Subject to Rent Increases: Rent can increase over time, and you may have to relocate if it becomes unaffordable.
• Limited Control: You have less freedom to modify a rented property.

Advantages of Buying a Home in Mexico
• Equity Building: Homeownership allows you to build equity over time, which can be an investment for the future.
• Stability: Owning a home provides a sense of stability and permanence.
• Freedom to Customize: You have the freedom to remodel or make changes to your property.
• Potential Appreciation: There’s a potential for the property’s value to increase over time.

Disadvantages of Buying a Home in Mexico
• Higher Upfront Costs: Buying a home requires a significant upfront investment, including a down payment, closing costs, and other fees.
• Maintenance Responsibilities: All maintenance, repairs, and renovations are your responsibility and can be costly.
• Less Flexibility: Selling a home can be a complex and time-consuming process, making it harder to move on short notice.
• Market Risk: Real estate markets can fluctuate, and there’s a risk that the property’s value may not increase as expected.

Legal Aspects: In Mexico, there are restrictions on foreigners buying property in certain areas, particularly near the coast and borders. It’s important to understand these regulations and consider legal assistance.

Long-Term Plans: If you plan to stay in Mexico for a long time, buying might be more cost-effective in the long run. For shorter stays or if you’re unsure, renting might be more practical.

Financial Planning: Consider your overall financial situation, including savings, income stability, and investment goals.

Top 10 Cities in Mexico for Real Estate Investment

It is good to know what remates are even if you are not interested because they show up on house search websites as steeply discounted homes. A remate is a foreclosure auction or a distressed sales. You do not buy the property but you are buying the legal right to the debt.

Here are a few facts about purchasing a remate:

• Lower Prices: One of the most attractive aspects of buying a remate is the potential to purchase property at a price lower than the market value. This is because lenders are often motivated to recover the outstanding loan amount and may be less concerned with maximizing profit.

• Research is Crucial: It’s essential to conduct thorough research on the property. This includes understanding the property’s condition, any legal issues, liens, outstanding taxes, and zoning regulations.

• As-Is Purchase: Properties in foreclosure auctions are typically sold “as-is.” This means the buyer takes the property in the condition it is in with no option for a return or refund.

• Cash Payments and Immediate Funds: Auctions often require buyers to pay in cash or have immediate access to funds. It is common for auctions to require a significant deposit at the time of bidding and to hold the remainder in a designated bank account.

• No Guarantees: You may not receive the property even if you have the rights to the remate. The current ocupant may pay their debt or prolong the process with legal maneuvering.

• Eviction: There are usually occupants that you will need to evict. That can take time and will be an additional cost.

• Potential for Outstanding Debts: Buyers may inherit any outstanding debts attached to the property, like liens, back taxes, unpaid utility bills.

• No Inspection Opportunities: There is usually not opportunity for an inspection creates the risk of unforeseen repair costs.

• Legal and Bidding Process: Understanding the legalities and the bidding process of foreclosure auctions in the specific jurisdiction is crucial.

• Legal Costs: Even if you are buying the property at a significant discount, the fees associated with the legal process can be over 30% of the cost of the remate.

• Competition: Depending on the market and the property, there can be significant competition from other buyers.

• Potential for Profit or Loss: While there is potential for profit there is also a risk of loss. Unforeseen issues with the property, challenges in reselling, and additional costs can all impact the overall profitability.

Beware, there are many remate listing that are fraud. Scammers will ask you to pay the money to them instead of directly to the bank or lender. Be very careful and have your lawyer review the transactions.

There are no residency requirement for foreigners to own property in Mexico. You do not need to be a resident to purchase property; however, different rules apply in different zones.

In Mexico, there are restricted zones for foreign property ownership, which include land within 100 kilometers (about 62 miles) of international borders and within 50 kilometers (about 31 miles) of coastlines. In these areas, direct ownership of land by foreigners is not allowed. However, foreigners can own property in these zones through a ‘fideicomiso’ (a bank trust) or by establishing a Mexican corporation, depending on the intended use of the property.

There is a cost in setting up a fideicomiso and it needs to be renewed every 50 years. The renewal period may vary.

Outside the restricted zones, foreigners can directly own property in their name, subject to normal real estate transaction procedures.

While owning property in Mexico does not require residency, owning property can be a factor in obtaining residency. For example, retirees who own property in Mexico may find it easier to get a temporary or permanent resident visa. A permanent resident can own property anywhere in Mexico.

There are several Visa options required to stay in Mexico. The appropriate Visa depends on your plans and situation. You should consult with the Mexican consulate: https://consulmex.sre.gob.mx/

Tourist Visa
A tourist visa, also known as a visitor visa for tourist purposes (FMM – Forma Migratoria Múltiple), allows a stay of up to 180 days (6 months). You need to leave the country before that time has expired. You would also need to leave Mexico to apply for a Resident Visa as you cannot do that from within Mexico.

Temporary Resident Visa
This visa is valid for one year initially and can be renewed for up to four consecutive years. Applicants need to prove they have sufficient financial resources to support themselves or are engaged in certain activities like studying.

The financial requirement is that you show an income of at least $4,200/mo over the past 6 months or a monthly account balance of no less $70,000. Plus $1,400/mo for each dependent or an additional $1,400 additional for account balance per dependent.

This visa does not allow holders to engage in paid work in Mexico. After four years on a temporary resident visa, you can apply to change your status to a permanent resident.

Permanent Resident Visa
This visa allows you to live in Mexico indefinitely.
Requirements: To qualify, you must meet certain criteria such as having family connections in Mexico, reaching the four-year mark as a temporary resident, proving financial independence, or meeting pension income thresholds for retirees.

The financial requirement for the Permanent Resident Visa is that you show an income of at least $7,100/mo or a monthly account balance of no less $280,000. Plus $1,400/mo for each dependent or an additional $1,400 additional for account balance per dependent.

Permanent residents are allowed to work in Mexico without needing a separate work permit.

Work Visas
If you have a job offer from a Mexican company, you can apply for a work visa. The employer typically sponsors the visa and assists with the application process. There are also provisions for those who want to start a business or work independently in Mexico.

Student Visas
If you plan to study in Mexico, you can apply for a student visa, which is valid for the duration of your educational program.

Mexican Citizenship
After residing in Mexico for a certain number of years, you may be eligible to apply for Mexican citizenship.
Requirements: These typically include proving your residence status, showing integration into Mexican society, and passing a test on Mexican history and culture.

The Role of Realtors
To navigate these legal complexities, it’s advisable to engage with local real estate professionals and legal experts who understand the nuances of Mexican property laws.

There is no multi-listing services for real estate as there is in the US. There are several websites, such as: https://monopolio.com.mx/ and https://www.inmuebles24.com/ provide some options. These sites allow anyone to post a listing. They are not inclusive and not screened to be sure listing are legitimate and up to date.

The typical commission rate for real estate agents in Mexico ranges from 3% to 8% of the sale price. This rate can be higher or lower depending on the region and the property’s value. Usually, it is the seller who pays the commission to the real estate agent. However, this can sometimes be negotiated, and in some cases, the buyer might also pay a part of the commission.

Closing costs in Mexico can be higher than in the U.S., often around 5-7% of the property value.

Getting a mortgage in Mexico as an American can be a bit more complex than obtaining one in the US. Here is a general overview of the process and what you can expect in terms of mortgage rates:

Limited Local Financing Options: Unlike the U.S., where mortgage options are plentiful, in Mexico, the options for foreigners are somewhat limited. Mexican banks do offer mortgages to foreigners, but the process can be more cumbersome, and the requirements more stringent than in the US.

Mortgage rates in Mexico are significantly higher than in the U.S. Rates typically ranged from 7% to 10%, but these rates can vary based on economic conditions, bank policies, and the borrower’s financial profile.

Mortgage terms in Mexico are often shorter, typically ranging from 15 to 20 years, unlike the common 30-year terms in the US.

You will need to provide proof of income, which can sometimes be challenging, especially if your income sources are primarily outside Mexico.

Mexican banks will look at your credit history. While your US credit history may not be directly transferable, it can still be a reference point.

Some banks may require you to have a certain type of residential visa or residency status in Mexico.

Some property developers in Mexico offer financing options to foreign buyers. These can sometimes be more flexible but also might come with higher interest rates.

Americans often use home equity loans from their US properties to finance purchases in Mexico.

Some U.S.-based financial institutions offer loans for purchasing property in Mexico, but these are not very common.

If you are a U.S. citizen, you can receive your Social Security payments while living in Mexico. The Social Security Administration (SSA) allows payments to be sent to eligible beneficiaries living outside the United States. However, there are some important considerations and steps to ensure you continue receiving your benefits without interruption.

1. Payment Methods: You can choose to have your Social Security payments deposited directly into a Mexican bank account or a U.S. bank account. Direct deposit is the safest and most efficient way to receive your payments. The SSA provides a list of banks in Mexico that can receive direct deposits.
2. Currency Exchange and Fees: Be aware of currency exchange rates and any fees associated with transferring funds from a U.S. bank to a Mexican bank. These factors can affect the amount of money you receive each month.
3. Tax Implications: U.S. citizens living abroad are still subject to U.S. taxes on their Social Security benefits. You may also be subject to Mexican taxes on your benefits. It is advisable to consult with a tax professional who is knowledgeable about both U.S. and Mexican tax laws to understand your tax obligations.
4. Medicare Coverage: Medicare generally does not cover healthcare services outside the United States. If you plan to live in Mexico, you may need to consider alternative health insurance options to cover medical expenses. Some retirees choose to return to the U.S. for medical care, while others purchase private health insurance in Mexico.
5. Staying Informed: Keep up to date with any changes in Social Security regulations that may affect your benefits while living abroad. The SSA website provides resources and information for U.S. citizens living outside the country.
For more detailed information, you can visit the SSA’s official website or contact the nearest U.S. embassy or consulate in Mexico.

https://www.ssa.gov/international/payments_outsideUS.html

Due Diligence: Conducting thorough due diligence is crucial. This includes verifying property titles, ensuring no outstanding debts on the property, and understanding local zoning laws. A lawyer will be involved in the process.

Investment Opportunities: For some, buying property in Mexico is an investment that can yield rental income, especially in tourist-heavy regions like Cancun, Tulum, and Puerto Vallarta.

Retirement Haven: Mexico is increasingly popular among retirees for its affordable healthcare, lower cost of living, and proximity to the United States, making it easier for family visits.

Long Term Care: Costs of long term care in Mexico is about one-third of the cost in the US. They have many quality facilities with English speaking staff that can make Mexico a great option.

Cultural Enrichment: Living in Mexico can offer a unique opportunity for cultural immersion and learning, enhancing one’s lifestyle with new experiences and perspectives.

Cultural and Language Barriers: Adapting to a new culture and possibly a new language can be challenging for some. It requires an openness to learn and integrate into the local community.

Economic Fluctuations: Like any country, Mexico’s economy can fluctuate, potentially impacting property values and the cost of living.

Security Concerns: While many areas in Mexico are safe, it’s important to research and understand the security situation of the area where one is considering buying property.

The trend of Americans buying real estate in Mexico reflects a broader search for affordable, culturally rich, and geographically diverse living options. While this venture can offer numerous benefits, it also comes with its set of challenges and requires careful planning and understanding of the legal landscape. With the right approach, buying property in Mexico can be a fulfilling and wise decision for many Americans looking for a change in scenery or a new place to call home.

AIO Financial, LLC is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about AIO Financial, LLC and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Market data, articles and other content in this material are based on generally-available information and are believed to be reliable. AIO Financial, LLC does not guarantee the accuracy of the information contained in this material.

AIO Financial, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov.

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Living abroad comes with incredible benefits — lifestyle, culture, food, and cost of living — but it also brings serious financial planning challenges. U.S. citizens living in places like Mexico, Spain, France, or Italy must carefully manage their investments, taxes, and residency to avoid losing access to the U.S. financial system or triggering unintended tax consequences abroad.

This guide covers everything you need to know to make smart, compliant decisions — and to keep your financial life secure, wherever you live.

Keeping your brokerage, retirement, and investment accounts in the U.S. is usually the best choice for Americans abroad. Here’s why:

To keep a U.S. brokerage or retirement account open and fully functional, you typically must have a U.S. residential address on file.

✅ Best Options:

⚠️ Risky Options:

Yes. As a U.S. citizen:

If you’re also a tax resident abroad, you will likely have to file two tax returns: one in the U.S., and one in your country of residence.

🇲🇽 Mexico

🇪🇸🇫🇷🇮🇹 Europe

In the U.S., qualified Roth IRA withdrawals are tax-free. But that’s not how other countries see it.

🌍 Abroad:

Even if enforcement is low, you’re legally responsible for reporting Roth income abroad.

Yes — in certain countries, your worldwide assets (including U.S. accounts) may be subject to annual wealth tax.

📌 If you’re in a country with a wealth tax, you’ll likely need to declare your U.S. brokerage balances, including IRAs.

Choosing a tax-friendly state for your legal address can reduce complexity and risk.

✅ Best States with No State Income Tax:

📌 Texas and Florida are especially popular among expats due to:

🚗 Driver’s License Reciprocity in Europe

Maintaining a U.S. driver’s license from the right state can save you a lot of time and money.

🇫🇷 France

🇲🇽 Mexico

🇪🇸 Spain, 🇮🇹 Italy

Keeping U.S. credit cards is another strong reason to maintain a U.S. address.

Benefits:

🧾 Most credit cards require a U.S. billing address, and many issuers check that it’s a residential address — not a commercial one.

AIO Financial is a fee-only fiduciary firm that specializes in working with U.S. expats in Mexico and Europe. We don’t sell products or earn commissions — just experienced, independent guidance tailored to your cross-border life.

We help you:

📅 Book your free consultation now

Let’s make your financial life abroad simpler, safer, and more strategic.

Americans abroad

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At AIO Financial, we specialize in helping our clients align their investments with their values through socially responsible investing (SRI). We believe in the power of the individual investor—and there’s no better example of that power than proxy season, when shareholders come together to hold corporations accountable.

The 2025 Proxy Preview Report, developed by As You Sow, Proxy Impact, and Empower Venture Partners, underscores how shareholder advocacy remains one of the most powerful tools we have to influence corporate behavior—even in the face of increasing political and regulatory headwinds. Link to report: https://www.proxypreview.org/

Shareholder advocacy refers to the actions taken by investors—often at annual general meetings (AGMs)—to influence a company’s policies, operations, and impact on society and the environment. Through proxy voting and shareholder resolutions, investors can raise concerns about everything from climate change to corporate lobbying practices.

Shareholders owning more than 10% of a company’s shares can call special meetings, and those with over 5% must file reports to the SEC detailing their intentions and transactions.

At AIO Financial, we help clients use these rights to vote their values and engage companies on issues like climate justice, racial equity, and sustainable business practices.

As of February 21, shareholders had filed 355 ESG proposals—a 34% drop from the same time in 2024. Why?

Despite fewer filings, shareholder advocacy is more important than ever. This year’s proposals tackle systemic risks that impact long-term corporate value—and your portfolio.

So far, 78 proposals (22%) have been withdrawn—up from just 7.7% last year. These withdrawals often result from successful negotiations behind the scenes or concern over proposals being blocked by the SEC.

Meanwhile, 221 proposals have received no-action requests—where companies ask the SEC for permission to exclude them. This tactic has become more frequent in 2025, signaling a more adversarial environment for shareholder rights.

The number of anti-ESG proposals is rising and now represents nearly 15% of all submissions. These proposals often attack:

Notably, state officials like Oklahoma’s State Treasurer have joined the push, filing proposals against companies that support racial justice, digital safety, or reproductive rights.

The good news? These proposals are overwhelmingly defeated—with anti-DEI efforts losing 98% of the vote.

The data is clear: Shareholder advocacy works. Over the last two decades, it has led to:

Even in a politically hostile environment, responsible investors are helping shape the future of business—one vote at a time.

At AIO Financial, we empower you to:

You don’t need to be a billionaire or run a fund. If you’re a shareholder, you already have a voice—and we’re here to help you use it effectively.

Want to learn more about socially responsible investing and shareholder advocacy? Reach out today for a free consultation. Whether you’re just starting or you’re a seasoned investor, we’ll help you build a strategy that aligns your money with your mission.

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Together, we can build a more sustainable and just future—one vote, one investment, one conversation at a time.

I’m going to go over some of the
shareholder resolutions that are proposed for 2025
there has been a drop in the number of resolutions
compared to 2024
we’re still just in the beginning of the season
but that’s partially because of the new SEC leadership
and shifting in rules
making it more difficult for shareholders
to make resolutions to make changes
be advocates shareholders are waiting on this
you’ll see a lot of the proposals are under review
there’s been an increase in private negotiations
so the shareholders
are engaging
but maybe not through the shareholder advocacy
through shareholder resolutions
but just engagement with companies
many resolutions have been withdrawn
that’s higher than last year
and a lot of times
that means that there was an agreement brought up
a lot of no action a summary of some of the proposals
the shareholder resolutions again
environment and climate change are a big
focus of shareholder resolutions
poke a push for climate transition plans
and greenhouse gas emission disclosure
a deforestation in the avocado industry
and tire particulate pollution tire shredding
and then in the financial sector
just scrutinizing the funding of fossil fuel projects
corporate
political influences is another big issue this year
lobbying transparency
as you see allowed exclusions for proposals
um
many of the disclose the resolutions are being blocked
social di topics there are many of those this year
and then there is an increase
there’s a lot of anti environmental
social governance proposals in this
shareholder resolutions
they’re mostly getting rejected by shareholders though
so why engage with companies
it’s another tool it’s a way to make positive change
through your investments as a shareholder
you can make an impact you don’t have to do it
if you invest in a fund
an exchange traded fund
a mutual fund that has similar values
is pushing in the direction you want to push
they will engage on your behalf
they have the knowledge staff
resources to be able to make changes with companies
there are many examples of funds
there are funds that do screening
there are funds that engage with community investment
and there are funds that just engage
they just try to make changes
some of them just vote on shareholder resolutions
and some of them bring up shareholder resolutions
engage with companies to make positive changes
you can
well you’re right
as a shareholder is vote file resolution sue
but you can let the funds do this
you don’t have to be doing this as an investor
and then you can bring up resolutions
you can vote on resolutions
and you can engage with corporations
you own a part of the company
you are an owner and can make
especially if you add your resources to other
like minded investors you can make changes in companies
voting is crucial
you can demand transparency
you can influence supply chains corporate contributions
sustainability greenhouse gas emission disclosure
there are a lot of issues
you can affect and we’ll go over them
we’ll go over some of those that are being proposed
or that are being worked on this year
in overview
the drop is a lot because of these rule changes
SCC policy changes and political pressure
it’s unfortunate but
that’s the environment we’re dealing with right now
it doesn’t mean we shouldn’t engage
it doesn’t mean we shouldn’t try hard to make positive
changes and
if the government’s not gonna make positive changes
it’s a way to make changes and push
because these companies
do influence our political system
why the drop
t C C rule changes
long approved proposals are not being allowed
private negotiations to avoid backlash
so environmental social governance categories
these are the main areas that are being worked on
largest is climate change
corporate political influence
a big amount of anti environmental management
and then you’ve got human rights
diversity at work sustainable governance
health and safety decent workplace climate again
always an issue
transition planning is the biggest piece
climate financing is a big piece
disclosure greenhouse gas emission disclosure plastics
food waste
we’ll go over some of these so emissions proposals
these are some of the companies being targeted
the resolution topic and who’s pushing that forward
Green Century is a mutual fund company
as you so puts out this report each year
there are great non profit
trying to make changes through shareholder engagement
and and this is the format we’re going to see in all
of these proposals
uh climate transition proposals 38 filed
I think with the previous slide too
this is just an example
of the ones that have been filed
some of them get filed and get withdrawn
if the company does and the advocate
and the proponent come to an agreement
a trillium here but companies and the resolutions
adopt greenhouse gas targets
and issue transition plans
align with the 1.5 degrees
just transition proposals
climate finance proposals
so these are for institutions financing fossil fuel
disclose clean energy supply finance ratio
just a lot of its disclosure measure disclose reduce
disclose carbon offset
so this is carbon offset accounting proposals
methane proposals
environmental management
I guess some of the biggest are water use and risks
waste and pollution
we’re early in the season so this number will grow
antimicrobial proposal
biodiversity deforestation proposals
food waste proposals
mining plastic proposals water certification proposals
human rights
well in the pretty similar standards and ethics racism
environmental justice
I guess digital content so human rights policies
indigenous people’s rights proposals
environmental justice proposals
human rights rest data Protection
AI reporting human rights impact
child safety proposals
data Protection forced labor
hate speech
health and safety proposals
we’ve got some health proposals
tax transparency
decent work freedom of association proposals
living wage worker health and safety
diversity at work
d I Metric Metrics and Data Proposals
d a Policy Proposals
some data proposals
corporate political influence
this is always a big one
lobbying elections are the big ones
so political contribution proposals
lobby ing proposals and a lot of this is just report
just disclose value congruency proposals
as you so did a proposal there
sustainable governance
board composition
try to get a diverse board of directors
environmental social governance reporting proposal
compensation proposals
voting rights proposals
anti environmental social governance
there are quite a few of proposals that are against
environmental social governance
again
most of those are getting defeated by shareholders
withdraws there’s a lot of withdrawals
and that’s fine if they’ve negotiated
if they’ve worked something out
pull the shareholder resolution
make it not public just make changes
CC is tightening inclusion rules
anti
esg environmental social governance is rising
we’ve already discussed this
most almost all are getting defeated
why shareholder advocacy matters
it makes a change you’re a shareholder
you can make a change sometimes
you can’t count on the government making a change
greater accountability align investments with values
influence sustainable business practices
I’m with AIO Financial
we help get clients aged with their investments
we have a questionnaire
just to make sure your investments
if you want them to match your values
so that they’re engaging on your behalf
they’re voting on your behalf they’re
working with companies to make positive changes
feel free to call us AIO financial.com
we offer a free consultation
we have some tools on our website
AIO financial.com let me know if you have any questions
let me know if you have any comments
it’s just a brief summary
we use a tool called your stake
to evaluate the impact of proposals
we can compare portfolios
let us know if we can help
alright take care
thank you for watching

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From shifting policies to economic reforms, the effects ripple across sectors, altering interest rates, currency values, and overall investor sentiment. While short-term uncertainties can disrupt the market, long-term strategies like diversification and sector-specific investments remain reliable approaches to weather the storm.

This comprehensive guide explores how elections shape the stock market, sectors poised to benefit or struggle, and how Socially Responsible Investing (SRI) provides an ethical and profitable investment pathway.

Elections, particularly U.S. presidential races, are synonymous with market volatility. Investors speculate on potential shifts in fiscal and regulatory policies, leading to heightened activity in the months leading up to Election Day. Historical data shows this trend, with increased fluctuations as markets react to polling data, debates, and policy announcements.

However, it’s not merely about party politics—markets respond to anticipated economic impacts, such as tax reform or trade agreements. This heightened uncertainty can present risks but also opportunities for savvy investors.

Markets often “price in” anticipated outcomes based on campaign promises. For example:

Regardless of predictions, results often defy expectations, requiring diversified strategies to mitigate sector-specific risks.

Fiscal policies—like increased spending—often lead to higher deficits, sparking inflation concerns. Rising inflation typically drives up bond yields, affecting their prices. Inflation-protected securities, such as Treasury Inflation-Protected Securities (TIPS), can hedge these risks.

Former President Trump’s term highlights unpredictability. Despite policies favoring fossil fuels, the energy sector underperformed due to declining oil prices, a global renewable energy shift, and the pandemic’s economic toll. This underscores the importance of resilience over speculation.

Elections undoubtedly influence investments, but reactionary moves can be counterproductive. By focusing on diversification, sector fundamentals, and long-term goals, investors can navigate the uncertainties of election cycles. Socially Responsible Investing (SRI) offers an ethical, high-performing alternative, while strategies like rebalancing and currency hedging further reduce risks.

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