You're Building a Life Together—Make Sure You're Protected

Marriage across borders brings love, growth—and unexpected complexity. From joint accounts and taxes to inheritance and estate planning, navigating U.S. financial systems as a non-U.S. spouse can feel overwhelming.
This space was created to help you feel confident, informed, and empowered to protect your financial future—without needing a finance degree or legal dictionary.

Inheritance & Protection

Learn how to safeguard your rights, even if you're not a U.S. citizen.

U.S. Taxes & Reporting

What you need to know about taxes, joint accounts, and potential obligations.

How U.S.-based bank accounts, retirement plans, and real estate may impact you.

Understanding U.S. Assets

Get Your Free Checklist

This checklist is designed specifically for non-U.S. Latinas married to Americans. It includes the key questions to ask, documents to review, and steps you can take to protect yourself financially—no matter where you're living.

Whether you're newly married or planning ahead, this is your starting point.

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FAQs for Non-U.S. Latinas Married to Americans

If I’m not a U.S. citizen, do I still have a financial claim in my marriage?

That depends on your legal status, where you live, and how your assets are titled. Many non-U.S. spouses are not automatically protected under U.S. law if something happens to their partner. Our goal is to help you ask the right questions and understand how to protect your rights and future.

Will I owe U.S. taxes if I live abroad?

Possibly. Even if you don't live in the U.S., being married to an American or sharing assets can create tax exposure — especially for things like foreign bank accounts, property, or inheritances. We offer basic education and can refer you to professionals who understand these situations.

What happens if my husband passes away first?

In the U.S., inheritance laws don't always favor non-citizen spouses. Without proper planning, you could face taxes, delays, or even be excluded from assets. Our checklist helps you spot these gaps and start the conversation about estate planning — before it becomes urgent.

Is it enough for my husband to “take care of everything”?

No. Many women in our community were left in difficult financial situations because they trusted everything would be fine — and no one ever explained the risks. We're here to help you feel empowered, not dependent — even if you're not the one “handling the money.”

Can I open a joint bank account or own property in the U.S.?

In most cases, yes — even if you’re not a citizen. But if your name isn’t on the account or title, you may have no access in an emergency. That’s why we focus on visibility and inclusion — making sure you're part of key decisions and protected on paper.

I’m afraid to ask my spouse about this. What should I do?

You're not alone. These conversations can feel awkward — or even unsafe — depending on your situation. Our free resources include conversation prompts, checklists, and mindset support to help you start the dialogue in a calm and informed way.

Do you offer legal or financial advice?

No. Latina Money Guide provides financial education only. We are not licensed advisors or attorneys. But we help you understand your options, identify your risks, and connect you with professionals when you're ready to go deeper.

How do I start?

Download the free checklist on this page. It’s a simple but powerful tool created specifically for non-U.S. Latinas married to Americans — whether you're newly married or already years in. This is your starting point to ask the right questions, get included, and protect your future.

Speak to a U.S. Asset Planner