Candidate Hub/Taxes & wealth
Candidate Hub · Topic 06

Taxes & wealth

Federal, state, SALT, equity taxes, FBAR, PFICs, estate and the U.S.–Italy treaty.

10% – 37%federal income tax brackets
$40,4002026 cap on the state and local tax (SALT) deduction, phasing down above $505,000 of income
$184,5002026 wage base for the 6.2% Social Security tax; Medicare has no cap

State & remote work

State income tax ranges from 0% to over 13%. If you work remotely for an employer in another state, some states (e.g., New York) may still tax you under a "convenience of the employer" rule. Clarify this before accepting a remote role.

Relocation is taxable

Employer-paid moving expenses are taxable income for most employees, and the 2025 tax law made this permanent. Ask for a tax gross-up in your relocation package.

Equity taxes

RSUs are taxed as income at vesting, and withholding is often too low for high earners. NSOs are taxed at exercise; ISOs may trigger the Alternative Minimum Tax. Plan with a tax adviser.

Your first U.S. year

Newcomers usually become tax residents under the "substantial presence" test. The arrival year is often a "dual-status" year, with special filing rules and elections.

Foreign accounts

U.S. residents must report foreign accounts above $10,000 in aggregate (FBAR) and may need to file Form 8938 (FATCA). Penalties for missing these are severe.

The PFIC trap

Italian and other non-U.S. mutual funds and ETFs are usually "PFICs" for U.S. tax purposes, taxed punitively. Review your Italian investments before or soon after you move.

Estate planning

If one spouse isn't a U.S. citizen, the unlimited marital deduction for estate tax doesn't apply automatically. The U.S.–Italy estate tax treaty can help. Update wills in both countries.

U.S.–Italy tax treaty

Prevents double taxation on salary, pensions and investment income. Italian rental income and property can remain taxable in Italy with a U.S. foreign tax credit.

Moving back to Italy?

Italy's "impatriati" regime (rules in force since 2024) can exempt 50% of employment income (60% with a minor child) for 5 years, for highly qualified workers with income up to €600,000 who return after at least 3 tax years abroad and commit to staying in Italy for at least 4 years. Conditions are strict; plan before you return.

Guides

How-to guides

How toFile your first U.S. tax return as a newcomer
  1. Determine your residency status for the arrival year (substantial presence test, first-year choice, dual-status).
  2. Collect your W-2, 1099s, brokerage statements, and records of Italian income and taxes paid.
  3. Report foreign accounts (FBAR) and assets (Form 8938) if above thresholds.
  4. Claim the foreign tax credit or treaty benefits to avoid double taxation.
  5. File by April 15, or request an extension (the extension is for filing, not for paying).
  6. Use a cross-border CPA for the first year. It usually pays for itself.
How toPlan your taxes before relocating from Italy
  1. Review Italian funds and ETFs for PFIC exposure and consider restructuring before you become U.S. tax resident.
  2. Understand how your departure affects Italian tax residency under the 2024 rules; register with AIRE.
  3. Plan the timing of bonuses, equity vesting and asset sales around the move.
  4. Negotiate a tax gross-up on relocation benefits.
How toCheck if you are taxed by two states
  1. Identify where your employer is based and where you physically work.
  2. Check whether your employer's state applies a "convenience of the employer" rule to remote workers.
  3. Look for credits in your home state for taxes paid to another state.
  4. Ask payroll to set up withholding correctly from day one.

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Information reviewed September 2026. General information only, not legal, immigration, tax or financial advice. Laws change frequently and vary by state and personal situation; consult qualified professionals.