Overview
Income & Projections
UK Property
Investment Accounts
Startup Equity
Tax & Exit Planning
Total Net Worth
$6.01M
All assets incl. property + startup equity
Liquid Net Worth
$1.12M
Cash, stocks, bonds, MM
UK Property (Est.)
$1.94M
Tapestry Apts, King's Cross (~£1.5M)
Koodos Equity (Paper)
$2.85M
3.96M shares @ $0.72 FMV | QSBS
Angel Portfolio
$102K
$114K deployed, 0.89x blended
Invested (Equities + Munis)
$484K
43% of liquid -- improving but still low for FIRE
Cash & Money Market
$633K
57% cash drag -- still the #1 blocker
Monthly Income (3 Streams)
$20,264
Salary $9,316 + Family $6,500 + UK Rent $4,448
Monthly Burn
$18,300
Net: +$1,964/mo (but goal: independence)
Liquid Portfolio Allocation
All Liquid Accounts
| VMFXX (Money Market) | $409,625 |
| VTI (US Total Market) | $150,391 |
| VT (World Stock) | $103,668 |
| Vanguard Cash Plus | $102,121 |
| HSBC UK £68,783 | $88,730 |
| Morgan Stanley GOOG 310 shr | $97,721 |
| Titan Individual | $57,597 |
| VNYUX (NY Muni) | $52,784 |
| BoA Personal Checking | $16,387 |
| Robinhood (18 positions) | $15,810 |
| BoA Business (Zimass) | $11,308 |
| Titan Roth IRA Tax-free | $8,424 |
| Venmo | $2,869 |
| Total Liquid | $1,117,435 |
Monthly Cash Flow
Income (Three Streams)
| Shelf Salary (net) | $9,316 |
| Family Support (dad) Goal: phase out | $6,500 |
| UK Rental Net (£3,448) | $4,448 |
| Total Monthly Income | $20,264 |
Without family support, income drops to $13,764/mo -- a $4,536/mo deficit vs current spending. Closing that gap is the key to financial independence.
The Cash Flow Reality
| Salary + Family Support | $15,816 |
| Rent (Bilt) 54% of US income | -$9,080 |
| Left after rent | $6,736 |
| All other US spending (Amex avg) | -$9,720 |
| US Monthly Gap | -$2,984 |
| UK rental (accumulating in HSBC) | +$4,448 |
| True Net Position | +$1,964/mo |
Paycheck Breakdown (Semi-Monthly)
| Gross Pay | $7,291.67 |
| Federal Income Tax | -$1,261.25 |
| FICA - Social Security | -$447.09 |
| NY State Income Tax | -$424.42 |
| NYC City Tax | -$284.53 |
| FICA - Medicare | -$104.56 |
| Medical + Vision (Pretax) | -$80.57 |
| NY Paid Family Leave | -$31.50 |
| Net Pay | $4,657.75 |
$175K gross / $111,786 net / 36% effective deduction rate. NYC triple-tax layer is brutal.
Spending by Category (Monthly Avg)
Top Spending Vendors (2025 Amex, $116.6K Total)
| Vendor | Annual | /Month | Txns |
|---|---|---|---|
| DoorDash Top | $11,396 | $950 | 222 |
| Uber (rides + Eats) | $4,870 | $406 | 152 |
| Booking.com | $4,844 | $404 | 5 |
| American Airlines | $4,178 | $348 | 7 |
| ON LOCATION WC LLC | $3,762 | -- | 2 |
| Vendor | Annual | /Month | Txns |
|---|---|---|---|
| Royal Jordanian | $3,352 | -- | 1 |
| United Airlines | $3,015 | $251 | 8 |
| Lyft | $2,800 | $233 | 89 |
| British Airways | $2,765 | -- | 8 |
| Prenuvo (full body scan) | $2,499 | -- | 1 |
Key callouts: DoorDash alone = $11.4K/yr ($950/mo) across 222 orders. That's 1.5x your Spectrum bill annualized. Rideshare (Uber + Lyft) = $7.7K/yr. Airlines = $14.8K/yr (AA, United, BA, Royal Jordanian, Delta, Tap Air). The Bilt card adds $9,080/mo in rent.
Top 5 Wealth Blockers
1
57% Cash Allocation ($633K earning ~4% instead of ~10%)
Over half your liquid net worth is in cash or money market. $512K in Vanguard VMFXX/Cash Plus, $7.1K in Titan Roth money market, $4.6K idle in Robinhood, £69K in HSBC at 0% interest. The Morgan Stanley GOOG position helps the equity side, but cash still dominates.
Estimated 15-year opportunity cost: $500K-$800K
2
Exit Tax Deadline: Must Surrender Green Card by Dec 31, 2030
Green card since Apr 5, 2024. Year 8 begins Jan 1, 2031. At $6M NW, crossing into 2031 makes you a "covered expatriate" -- deemed sale of all assets, Roth IRA taxed, 401k gets 30% withholding. Good news: QSBS 5-year hold is already met (incorporated Mar 2020), so the golden window is wide open NOW through Dec 31, 2030 -- over 4 years of runway. If you leave by then: no exit tax, and a future Koodos sale from Cyprus could be $0 total tax.
Cost of missing the deadline: $500K-$1M+ in exit tax. Cost of hitting it: potentially $0.
3
US Spending Exceeds US Earned Income ($18.3K/mo vs $9.3K salary)
Your W-2 barely covers rent. The gap is filled by $6,500/mo family support. Without it, you'd burn ~$4.5K/mo from savings. The goal is independence from that support.
Path to independence: cut $4.5K/mo in spending OR grow income
4
£69K in HSBC at 0% Interest
UK rental income accumulates at 0.00% AER. This cash is losing 3-4% to inflation annually. Note: UK ISA is NOT available (requires UK tax residency, which you don't have). Move into a UK high-interest savings account (4.5%+ AER) and/or a general investment account with a UK broker.
Annual inflation erosion: ~£2,000-£2,700
5
Account Fragmentation (10 accounts, no unified strategy)
Titan charges ~1% AUM on $66K = $660/yr. Robinhood has 18 scattered positions with $4.6K idle cash. Morgan Stanley holds $97.7K in a single stock (GOOG). Consolidate where possible into Vanguard.
Titan fees: ~$660/yr | Simplification: 3-4 fewer 1099s
90-Day Action Plan
Week 1: Open Solo 401k for Zimass LLC (Vanguard or Fidelity)
Week 1: Max out Roth IRA for 2026 ($7K) -- move Titan Roth from money market into VTI
Week 2: Move £69K HSBC cash to UK high-interest savings (4.5%+ AER: Chase UK, Chip, etc.)
Week 2: Consult expat CPA: confirm Dec 31, 2030 as hard deadline to surrender green card (GC since Apr 5, 2024 = Year 8 starts 2031)
Month 1: Transfer Titan Roth IRA + Individual ($66K) to Vanguard
Month 1: Transfer Robinhood ($15.8K) to Vanguard, sell sub-$100 positions
Month 1: Audit Amex: tag business vs personal for Zimass write-offs
Month 1-6: DCA $360K from VMFXX/Cash Plus into 70/30 VTI/VXUS ($60K/mo)
Month 2: Get formal London property valuation from Dexters or surveyor
Month 2-3: Consult expat CPA on exit tax timing: QSBS hold (Jun 2030) vs 8-year green card threshold
Month 3: Confirm QSBS status for Koodos with CPA (+ check Peachy)
Month 3: Evaluate DoorDash/rideshare spend ($19K/yr combined)
Income Streams Over Time
Salary (Net Monthly)
$9,316
$175K gross / $111.8K net / $4,658 per paycheck
Family Support
$6,500
Wire from Sami Abi Esber, 1st of each month. Goal: phase out.
UK Rental (Net)
$4,448
£3,448 net after Dexters 11.5%+VAT. Accumulates in HSBC.
Income Composition (Monthly)
UK Rental Trend (Net to You)
HSBC Balance Growth (Untouched Rental Income)
Income Independence Scenarios
| Scenario | Monthly Income | vs $18.3K Spend |
|---|---|---|
| Current (all 3 streams) | $20,264 | +$1,964 |
| Without family support | $13,764 | -$4,536 |
| Without support + cut $2K/mo | $13,764 | -$2,536 |
| Without support + salary to $250K | $17,264 | -$1,036 |
| Without support + $250K + cut $2K | $17,264 | +$964 |
To be fully independent at current spending: need ~$18.3K/mo from salary + rental alone. That means either growing salary to ~$250K+ and cutting ~$2K/mo, or reducing spend more aggressively.
Net Worth Projections (Liquid Only)
Conservative (5% blended)
Keep 62% cash. No new contributions. UK rent stays in HSBC.
| Age 38 (5yr) | $1.43M |
| Age 43 (10yr) | $1.82M |
| Age 50 (17yr) | $2.54M |
| Age 63 (30yr) | $4.83M |
Average (8%, deploy cash)
80/20 allocation. Solo 401k. UK rent invested. $2K/mo contributions.
| Age 38 (5yr) | $1.76M |
| Age 43 (10yr) | $2.73M |
| Age 50 (17yr) | $4.56M |
| Age 63 (30yr) | $13.7M |
Aggressive (10%, max invest)
90/10 equity. Max Solo 401k. Cut spending 20%. $5K/mo contributions.
| Age 38 (5yr) | $2.15M |
| Age 43 (10yr) | $3.87M |
| Age 50 (17yr) | $7.59M |
| Age 63 (30yr) | $29.7M |
FIRE Analysis (Cypriot Citizen, Retiring Outside US)
Scenarios to FIRE
| If you... | FIRE # (25x) | Hit by age... |
|---|---|---|
| Keep spending $220K/yr (US-based) | $5.5M | 53 (avg) / never (conserv) |
| Cyprus, $80K/yr lifestyle | $2.0M | 38 (avg) / 42 (conserv) |
| Cyprus, $120K/yr lifestyle | $3.0M | 43 (avg) / 47 (conserv) |
| London, $150K/yr (own property) | $3.75M | 46 (avg) / 50 (conserv) |
| London + UK rental covers housing | $2.25M | 40 (avg) / 44 (conserv) |
Cyprus non-dom is the game-changer. No tax on foreign dividends, no capital gains tax on securities, no wealth tax. At $80K/yr (very comfortable in Cyprus), you need just $2M -- nearly achievable TODAY with liquid assets alone. At $120K/yr, $3M is reachable by 43. A Koodos exit makes this instant.
Wild Cards (Not in Liquid Projections)
| Koodos exit (QSBS confirmed) | $2.85M paper, up to $10M tax-free |
| London property (~£1.5M) | ~$1.94M est. |
| Income growth (CEO) | $175K is below market |
| Cyprus non-dom tax regime | 0% on dividends + cap gains |
| Exit before 8-yr green card | No exit tax = clean departure |
| Angel portfolio breakout | Pareto 3.3x, rest TBD |
A Koodos exit alone could fund FIRE immediately. With QSBS, up to $10M is federal tax-free. Combined with Cyprus non-dom (0% on investment income), your post-exit wealth preservation is dramatically better than staying in the US. The property at ~£1.5M means your true net worth is already ~$6.0M. The liquid projections above are the floor.
FIRE Path Projection Chart
Estimated Value
~£1.5M
$1.94M at 1.29 GBP/USD
Gross Rent
£4,000/mo
£48,000/yr gross
Net Rent (After Dexters)
£3,448/mo
£41,376/yr net to you
Gross Yield
3.2%
£48K on ~£1.5M. Income play, not growth.
Property Details
| Address | Apt 37, Tapestry Apartments |
| Location | 1 Canal Reach, King's Cross, N1C 4AZ |
| Managing Agent | Dexters London Limited |
| Ref | PA36603 |
| Tenants | Mark Dobromirski & Kaori Mackay |
| Current Period | 08/03/2026 - 07/04/2026 |
| Management Fee | 11.5% + VAT (20%) = 13.8% effective |
| Fee Amount | £552/mo (£460 + £92 VAT) |
Market Comparables
| Building avg (Bricks & Logic) | £1,141,438 |
| Last sale in building | £1,485,000 (Sep 2025) |
| N1C 4AZ avg (past year) | £1,302,500 |
| 1-bed listings | ~£750K |
| 2-bed listings | £1.5-1.6M |
| 3-bed listings | ~£3M |
| 10-year price trend | -10.1% (stabilized recently) |
Estimate assumes 2-bed based on £4K/mo rent. Range: £1.3M (lower floor) to £1.65M (premium).
Rental Income Trend (Net to You)
HSBC Account Growth
HSBC Account Details
| Bank | HSBC Premier |
| Sort Code / Account | 40-16-08 / 23987221 |
| Balance (Mar 2026) | £68,783 ($88,730) |
| Interest Rate (AER) | 0.00% |
| Balance Nov 2024 | £39,121 |
| Growth (16 months) | +£29,662 (all from rent deposits) |
Recommendation: This money should not sit at 0%. Note: UK ISA is not available to you (requires UK tax residency). Instead, move the full balance into a UK high-interest savings account earning 4.5%+ AER (Chase UK, Chip, etc.), or open a general investment account with a UK broker for long-term growth.
Vanguard (~$716K) KEEP
| VMFXX (Money Market) | $409,625 |
| VTI (US Total Market) | $150,391 |
| VT (World Stock) | $103,668 |
| Cash Plus | $102,121 |
| VNYUX (NY Muni) | $52,784 |
| Total | $818,589 |
| 2025 income | $10,918 |
| Expense ratios | 0.03-0.17% |
| Tax efficiency | High |
Verdict: Core platform. Low-cost index funds + tax-exempt VNYUX for NYC. Only problem: 72% ($512K) still in cash/MM when it should be in equities.
Titan ($66K, 2 accounts) CONSOLIDATE
| Individual Account | $57,597 |
| 93.7% equities | |
| Roth IRA | $8,424 |
| 85% money market (!) | |
| Total | $66,021 |
| AUM fee | ~1%/yr (~$660) |
| 2025 ST gains | $757 (taxed ~42%) |
| 2025 dividends | $108 |
Verdict: Transfer both to Vanguard. Stop the 1% fee ($660/yr). Move Roth IRA into VTI immediately -- 85% money market inside a tax-free wrapper is the worst combination.
Robinhood ($15.8K) CONSOLIDATE
| Securities (18 positions) | $11,215 |
| Cash (idle) | $4,596 |
| Total | $15,810 |
| Top: NVDA | $2,707 (17.1%) |
| LRCX | $2,339 (14.8%) |
| MSFT | $1,350 (8.5%) |
| META | $1,296 (8.2%) |
| METV (Metaverse ETF) | $998 (6.3%) |
| NIO | $731 (4.6%) |
| 12 others < $500 each | $1,794 |
Verdict: Transfer in-kind to Vanguard. Keep NVDA, LRCX, MSFT, META. Sell sub-$100 positions (PTON $4, SNAP $31, TROX $7). Deploy $4.6K idle cash into VTI.
Morgan Stanley ($97.7K) EMPLOYER STOCK
| Account | MS99864982 (Stock Plan) |
| Holding | 310 shares Alphabet Inc. (GOOG Class C) |
| Share Price (12/31/25) | $313.80 |
| Share Value | $97,278 |
| Cash | $443 |
| Total | $97,721 |
| Q4 2025 Dividend | $65.10 |
| Fees | $0 |
| Concentration risk | Single stock |
Verdict: This is a significant single-stock position (~8.7% of liquid NW). Consider diversifying over time -- if these are vested shares from an employer plan, you could sell and redeploy into broad index funds. Check cost basis for tax implications before selling.
Side-by-Side Comparison
| Metric | Vanguard | Morgan Stanley | Titan | Robinhood |
|---|---|---|---|---|
| Balance | $818,589 | $97,721 | $66,021 | $15,810 |
| Strategy | Passive index | Employer stock (GOOG) | Managed (active) | Self-directed |
| Annual fees | ~$120 | $0 | ~$660 | $0 |
| 2025 income | $10,918 | ~$260 (divs) | $108 | $54 |
| Tax efficiency | High | Check basis | Poor (ST gains) | OK (no trades) |
| Risk | $512K in MM | 100% single stock | $7.1K Roth in MM | $4.6K idle |
| Action | Deploy cash | Diversify | Transfer out | Transfer out |
Total Paper Value
~$2.95M
Koodos $2.85M + Angels ~$96K
Capital Deployed (Angels)
$114K
$108K AngelList + $6K Carta SAFEs
Angel Portfolio Multiple
0.89x
$96K current on $108K invested
Total Deals
39
1 founder + 7 Carta + 32 AngelList
Founder Position: Koodos
Equity Summary
| Shares (vesting) | 3,956,321 |
| FMV (409A) | $0.72/share |
| Paper value | $2,848,551 |
| Incorporation | Mar 18, 2020 |
| Current grant | CS-12 | Jun 18, 2025 |
| 2025 secondary sale | QSBS (5yr met Mar 2025) |
| Status | Vesting |
QSBS (Section 1202) ACTIVE -- 5yr MET
| Federal exclusion | Up to $10M in gains (lifetime cap) |
| 5-year hold met | Mar 2025 (incorp. Mar 18, 2020) |
| 2025 secondary sale | QSBS applied -- track amount used against $10M cap |
| NY State conforms? | NO |
The 2025 secondary sale already used part of the $10M QSBS exclusion. Remaining cap = $10M minus 2025 gain. On a future exit: remaining QSBS saves federal tax, but NY/NYC still applies. Alternative: surrender green card by Dec 31, 2030 and sell from Cyprus at potentially $0 total tax.
Carta Holdings (excl. Koodos)
| Company | Type | Details | Status |
|---|---|---|---|
| bear Labs | 20,000 Shares | Oct 2019 | Vesting |
| Peachy Corp | 27,739 Shares | From $10K SAFE. Possible QSBS. | Active |
| WEST Corp | 11,922 NSOs | Exercise $6.00, FMV $1.23 | Underwater |
| Sincerely Studios | $1K SAFE | Jul 2023 | Active |
| Dirt Media | $5K SAFE | Apr 2022 | Active |
| Backdrop Labs | $5K SAFE | Jan 2022 | Cancelled |
| Grove XR | $15K SAFEs | Sep 2019, Dec 2020 | Cancelled |
AngelList Portfolio (32 Investments, $108K Deployed)
Status Breakdown
Capital by Round
Deployment Timeline
All AngelList Investments (by multiple)
| Company | Round | Market | Date | Invested | Current | Multiple | Status |
|---|---|---|---|---|---|---|---|
| Pareto | Seed | -- | Dec 2021 | $5,000 | $16,676 | 3.34x | Winner |
| Levro | Pre-Seed | Finance | Sep 2021 | $10,000 | $10,000 | 1.0x | Live |
| Peachy Studio | Seed | -- | Oct 2019 | $10,000 | $10,000 | 1.0x | Carta overlap |
| Grove XR | Seed | -- | Aug 2019 | $10,000 | $10,000 | 1.0x | Carta: Cancelled |
| Legacy | Series B | -- | Feb 2022 | $5,000 | $5,000 | 1.0x | Live |
| Backdrop.so | Seed | -- | Feb 2022 | $5,000 | $5,000 | 1.0x | Carta: Cancelled |
| Rythm.fm | -- | -- | Feb 2022 | $5,000 | $5,000 | 1.0x | Live |
| Paprika | Seed | Dev Tools | Dec 2024 | $5,000 | $5,000 | 1.0x | Live |
| T33 Dental | Pre-Seed | -- | May 2024 | $5,000 | $5,000 | 1.0x | Live |
| Belfort | Pre-Seed | Hardware | Aug 2025 | $5,000 | $5,000 | 1.0x | Live |
| Lekondo | Seed | AI / ML | Mar 2026 | $5,000 | $5,000 | 1.0x | Live |
| Startupy | Seed | Consumer | Jan 2022 | $2,500 | $2,500 | 1.0x | Live |
| Lore | Pre-Seed | AI / ML | Oct 2025 | $2,500 | $2,500 | 1.0x | Live |
| JokeDAO | Pre-Seed | Crypto | Apr 2023 | $1,000 | $1,000 | 1.0x | Live |
| launch house | Series A | Education | May 2023 | $1,000 | $1,000 | 1.0x | Live |
| Resa Health | Seed | Health | Feb 2023 | $1,000 | $1,000 | 1.0x | Live |
| BingBong | Pre-Seed | -- | Nov 2024 | $1,000 | $1,000 | 1.0x | Live |
| Commaful | Seed | Consumer | Oct 2025 | $1,000 | $1,000 | 1.0x | Live |
| IdeaFlow | Seed+ | Productivity | Dec 2020 | $1,000 | $981 | 0.98x | Down |
| Atoms | Series A+ | Consumer | Jul 2020 | $1,000 | Locked | -- | Locked |
| Hopps | Pre-Seed | AI/ML | Oct 2020 | $1,000 | Locked | -- | Locked |
| Pump | Seed | Consumer | Nov 2020 | $1,000 | Locked | -- | Locked |
| Azarus | Seed+ | Entertainment | Jan 2021 | $2,500 | Locked | -- | Locked |
| MainStreet | Series A | Finance | Mar 2021 | $1,000 | Locked | -- | Locked |
| Blue Fever | Seed+ | Social | Aug 2022 | $1,000 | Locked | -- | Locked |
| 3Box Labs | Series A | -- | Feb 2022 | $10,000 | $344 | 0.03x | -97% |
| On Deck | Series A | HR | Jun 2021 | $2,500 | $0 | 0.00x | Zeroed |
| Ubiquity6 | Series B+ | Gaming | Feb 2021 | $2,500 | $2,439 | 0.98x | Realized |
| Journey | Seed | -- | Nov 2021 | $1,000 | $271 | 0.27x | Realized |
| Cosy | Pre-Seed | Productivity | Sep 2020 | $966 | $109 | 0.11x | Realized |
| Apt | Pre-Seed | Real Estate | Sep 2020 | $2,000 | $0 | 0.00x | Total Loss |
| Panther | Pre-Seed | HR | Nov 2020 | $743 | $11 | 0.01x | Total Loss |
| TOTAL | $108,208 | ~$95,832 | 0.89x | ||||
Exit Tax & Expatriation Planning (IRC 877A)
Green Card Timeline -- Cypriot Citizen, Green Card Since Apr 5, 2024
| Tax Year | GC Year | Key Event | Status |
|---|---|---|---|
| 2024 (Apr-Dec) | Year 1 | Green card obtained | Safe |
| 2025 | Year 2 | QSBS 5-year hold MET (Mar 2025). Secondary sale (QSBS applied). | Safe |
| 2026 | Year 3 | You are here | Safe |
| 2027 | Year 4 | Safe | |
| 2028 | Year 5 | Safe | |
| 2029 | Year 6 | Safe | |
| 2030 | Year 7 | Last full safe year. Must surrender GC by Dec 31. | Safe |
| 2031 | Year 8 | EXIT TAX TRIGGERS. "Long-term resident" = covered expatriate at $6M NW. | DANGER |
THE GOLDEN WINDOW: NOW through Dec 31, 2030 (4.75 years)
QSBS 5-year hold is already met (incorporated Mar 18, 2020 = 6 years ago). Green card year 8 starts January 1, 2031. You have a 4.75-year window where QSBS is active AND no exit tax applies.
| Scenario | Tax on Koodos Exit | Exit Tax? |
|---|---|---|
| Best case: Koodos exits before Dec 31, 2030, cash out with QSBS, surrender GC | $0 federal (QSBS). ~$1.27M NY/NYC on $10M. | None |
| Even better: Surrender GC by Dec 31, 2030, Koodos exits later from Cyprus | $0 US (non-resident, IRC 871). $0 Cyprus (non-dom). | None |
| Also good: Koodos exits while in US + QSBS, surrender GC when ready (before 2031) | $0 federal (QSBS). NY/NYC applies. | None (if before 2031) |
| Risky: Stay past Jan 1, 2031, haven't surrendered GC | Depends on exit timing | All assets deemed sold. $890K exclusion. Roth wiped. 401k = 30% withhold. |
Key insight: You may not even need QSBS for a future exit. If you surrender the green card by Dec 31, 2030 and move to Cyprus, a future Koodos sale would likely be non-US-source capital gains (not taxed for non-residents under IRC 871) AND Cyprus non-dom = 0% on securities gains. The result: potentially $0 total tax -- better than QSBS which still exposes you to NY/NYC. Confirm with expat CPA.
QSBS Exclusion Tracking (Section 1202)
| Lifetime federal exclusion cap | $10,000,000 |
| 5-year hold met | March 2025 (incorp. Mar 18, 2020) |
| 2025 secondary sale gain | Amount TBD -- confirm with CPA |
| Remaining QSBS cap | $10M minus 2025 gain -- track this |
| Current Koodos position | 3,956,321 shares @ $0.72 = $2.85M paper |
| NY/NYC conform? | NO -- state/city tax still applies |
The 2025 secondary sale used part of the $10M QSBS exclusion. The remaining cap applies to any future Koodos exit while you're a US tax person. If you surrender the green card and sell from Cyprus, QSBS becomes irrelevant (non-resident + Cyprus non-dom = $0 anyway).
Other Tax Considerations (Flag for CPA)
| Item | Status | Action |
|---|---|---|
| Solo 401k (while US resident) | Missing | Saves ~42% NYC tax through 2030. If you leave by Dec 31, 2030 (no exit tax), 401k stays intact. Distributions taxed at future country's rate. Open ASAP -- 4.5 years of $69K/yr = up to $310K sheltered. |
| Roth IRA (while US resident) | Safe if on time | Tax-free growth. If you leave by Dec 31, 2030, Roth is NOT deemed distributed -- stays intact. Max every year through 2030 ($7K/yr x 5 = $35K). Verify future country recognizes Roth. |
| UK ISA | NOT AVAILABLE | Requires UK tax residency. You are not a UK resident. Cannot open or contribute. Use UK high-interest savings or general investment account instead. |
| UK pre-settled status | Expiring | If it lapses, you lose right to live/work in UK. Can still own/rent property as non-resident. Decide: upgrade to settled status or let it go? |
| Cyprus non-dom regime | Available | If you move to Cyprus: no tax on foreign dividends, no capital gains tax on securities, no wealth tax, no inheritance tax. Highly favorable for FIRE. |
| UK rental income US reporting | Required | £69K+ in HSBC requires FBAR filing. Rental income reported on US return. Claim foreign tax credit for any UK tax paid. |
| AngelList realized losses | Check | ~$4.4K in realized losses from 5 exits. Deduct $3K/yr, carry forward $1.4K. |
| Cancelled Carta SAFEs | Check | Backdrop $5K + Grove XR $15K. Were these written off on prior returns? |
| Family support ($78K/yr) | OK | Under $100K/yr threshold. Form 3520 NOT required. But must report if crosses $100K. |
| Morgan Stanley GOOG (310 shares) | Check | Employer stock plan. Check cost basis and holding period. Consider diversifying -- 8.7% of liquid NW in one stock. |