The 401(k) Route to a Portuguese Golden Visa
Turn retirement dollars into European citizenship. 5 years to a Portuguese passport. Only 7 days per year required in-country. Family included.
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Reserve Your Seat
Live · July 18, 2026 · Limited to 200 seats
Have you already chosen Portugal?
Retirement accounts, unlocked for Europe.
Portugal's Golden Visa still accepts qualifying venture capital investments — and a growing number of Americans are funding them from their 401(k) or IRA through a self-directed structure. In this session we walk through the exact mechanics, the timeline, and the pitfalls.
5
years to a Portuguese passport
7
days per year in-country required
€500k
minimum qualifying investment
27
EU countries you can live in
From retirement account to EU passport.
The path is well-defined — but there are moving parts. Here's the map.
Step 1
Roll over into an SDIRA
Move existing 401(k)/IRA into a self-directed structure that can hold alternative assets — with a US custodian we can introduce you to.
Step 2
Invest into a qualifying fund
Allocate to a Portuguese CMVM-regulated VC fund that meets Golden Visa criteria. Minimum €500k.
Step 3
File the residency application
With subscription documents and tax ID in hand, submit the ARI application. Legal partner handles the filing.
Step 4
5 years, 7 days/yr
Maintain residency status with just 7 days per year on the ground. At year 5, apply for Portuguese citizenship.
Not tax advice.
Rolling retirement assets into international investments has tax and legal implications. We walk through the framework in the session — your CPA and immigration counsel handle the specifics.
Two Americans who did it — and moved.
Erin Charlotte Homes
@erincharlottehomes_
Moved from Charlotte to Lisbon in 2023 with her family. Golden Visa holder. Shares the day-to-day of raising kids as an American in Portugal.
Stephanie LeBlanc
@stephaniemlb
Left Boston for the Algarve after retiring early. Golden Visa holder. Built a following breaking down the paperwork, the taxes, and the everyday tradeoffs.
Erin & Stephanie
Two Americans. Living in Portugal. Golden Visa holders.
Erin Charlotte Homes
@erincharlottehomes_ · 85K followers
An American mom who moved her family to Portugal — and documented every step.
Erin left Charlotte, NC for Lisbon in 2023 with her husband and kids. She holds the Portuguese Golden Visa and has spent the last two years answering the same questions on Instagram that every American family sends us: schools, healthcare, taxes, banking, the paperwork — and whether the move was worth it.
“I had so many questions before I started. This is the conversation I wish someone had walked me through — before I signed anything.”
What we'll cover.
Ready? Reserve below.
Registration takes 30 seconds. You'll get the Zoom link, a calendar invite, and a pre-webinar guide by email.
Reserve Your Seat
Live · July 18, 2026 · Limited to 200 seats
Have you already chosen Portugal?
Common questions.
Do I need to already have €500k to attend?
No — the webinar is educational. Many attendees are still exploring whether their 401(k)/IRA balance and other assets add up to a viable path. We help you think about that on the call.
Is the 401(k) route really tax-efficient?
It can be, but it depends on your situation. A properly structured self-directed rollover keeps the investment inside the tax wrapper. We'll walk through the mechanics; your CPA handles your specifics.
Do I have to live in Portugal?
The Golden Visa requires just 7 days per year of presence — one of the lowest thresholds in Europe. Many holders keep their US life and use Portugal as a base.
What about my spouse and kids?
The application covers your spouse, children up to age 26 (in most cases, as students or dependents), and dependent parents. Everyone gets residency together.
What happens if I can't attend live?
Register anyway — everyone who registers receives the replay and the resources for 7 days after the session.
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60 minutes that could reshape your family's next decade.
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