In this month’s Q&A, we answer your questions on EU residence through Polish-citizen family members, correcting missed FBAR filings, working as a foreign-licensed engineer in Panama, international ETF allocation, and residence options in South Africa and Slovenia.
Inside, we cover:
EU residence through Polish-citizen family members, including when non-EU spouses and parents can use EU free-movement rules.
Correcting previously unfiled FBARs, including what to do when you disclosed your foreign accounts to your accountant but the required FBARs were never filed.
Working in Panama as a foreign-licensed engineer, including Panama’s licensing restrictions and whether working through a company or serving only foreign clients changes the answer.
Combining single-country ETFs with a broad international fund, including how a diversified developed-markets ETF can complement individual country holdings while reducing exposure to AI and semiconductor stocks.
Current South African residency options, including the Retired Person’s Visa and Financially Independent Permit, their financial requirements, and the practical pros and cons of each.
Slovenia’s so-called “Elective Residence” route, including whether the program being marketed online really exists, what the law actually allows, and where the marketing becomes misleading.
As always, the goal is to cut through the brochure language and focus on what matters in practice: what the rules actually require, where the risks are, and when the fine print changes the answer.
And if you have any questions for future monthly Q&As, send us an email at [email protected].
EU Residence Through Polish-Citizen Family Members I hope this email finds you well. Thank you again for all your excellent advice and contacts. If my family receives Polish citizenship via ancestry that we are currently pursuing, but I do not, could I obtain residence in an EU country as the spouse or family member of…

