Question 1

Is this personalised financial guidance?

Accepted Answer

No. Pensora is an education platform, not a regulated firm. The Global Retirement Portability Check produces hypothetical illustrations from published assumptions. It does not know your full circumstances, and no output should be acted on without a licensed professional in your jurisdiction reviewing it first.

Question 2

How is the math built?

Accepted Answer

We combine a horizon-adjusted safe withdrawal rate, a country cost tier, a lifestyle multiplier, and a state-pension offset, then compare that number to the real-terms projection of your existing savings. Every rate, tier, and multiplier we use is listed on the Assumptions page — nothing is hidden.

Question 3

What does it cost?

Accepted Answer

The Global Retirement Portability Check is free and always will be. The Borderless Retirement Blueprint — forty pages covering the wrapper decision tree, two corridor guides and the questions to ask any adviser — is also free to read. We make no money from your portfolio and take no commission from anyone.

Question 4

US citizens abroad — does this handle PFIC?

Accepted Answer

The Check flags PFIC exposure whenever a US passport is combined with residence outside the United States. That is the exposure signal, not a full analysis. The Blueprint covers which wrapper structures US persons abroad typically use, and which ones typically create problems, with jurisdiction-specific detail.

Question 5

European investors with US ETFs — what's the estate-tax issue?

Accepted Answer

Non-US persons who hold US-situs assets can be exposed to US federal estate tax on amounts above roughly $60,000, depending on treaty coverage. Dividend withholding also compounds silently over decades. The Check flags this, and the Assumptions page cites the source rules.

Question 6

Which countries are covered?

Accepted Answer

Around forty destinations are grouped into four cost tiers, from Southeast Asia through core Europe to Switzerland and Singapore. If your destination is not listed, choose the closest tier — the model is designed to be robust to that substitution.

Question 7

Who is behind Pensora?

Accepted Answer

Pensora is an independent education platform. We hold no client assets, sell no investment products, and publish every assumption we use. Editorial and model choices are documented publicly so readers can challenge them.

Retire Secure. Anywhere.

The Global Retirement Portability Check

Guides

How Much Do You Need to Retire in 2026?

Will Your Money Last in Retirement?

Who Pays If You Need Care in Retirement?

Will Your State Pension Still Be There?

Retiring from the US to Portugal: What Changes, and How Much You Need

Retiring from the US to Spain: What Changes, and How Much You Need

Retiring across borders? Get the free Blueprint.

Questions