Does the service include tax return preparation?

Tax planning and tax filing are separate services. U.S. and Indian tax return preparation can be scoped and quoted separately unless specifically included in your proposal.

Can you help with my 401(k), IRA and brokerage account?

We help organize the relevant decisions and coordinate specialist input where required. The appropriate approach depends on your account terms, residency, tax position and individual circumstances.

Can you help if I am keeping my U.S. home?

Yes. We can help identify the planning questions around retaining or renting your property, including relevant tax and reporting considerations, with specialist support where needed.

What if I only have one or two questions?

Tell us what you need help with. We will assess whether focused support or a broader planning engagement is the better fit.

Do you handle all the work directly?

Desi Return coordinates the agreed planning process. Tax, legal and other regulated professional work is handled by appropriately qualified specialists where required. The scope of coordination will be made clear in your proposal.

How is this different from the Financial Transition Blueprint or a Quick Call?

The Blueprint is self-paced and financial-only. A Quick Call answers one specific question. This is a coordinated plan across the pieces you select, run with you through the move.

Why is not pricing shown on this page?

Because a family moving alone with no property needs a very different plan than a family with kids, aging parents and a house to sell. We would rather quote your actual situation than publish a number that is wrong for most people who see it.

Services / Cross-Border Transition Packages

Desi Return · Cross-border services

Moving from the U.S. to India? Get your finances in order before you move.

Planning a cross-border move to India - timeline, checklist and passports on a desk

Make your move with a clearer financial plan.

No obligation to proceed. Final scope and fees are confirmed in your proposal.

Your U.S. financial life does not automatically become simpler when you move to India.

Your 401(k), investments, RSUs, savings, property and tax residency can all affect the decisions you make before and after your move.

We help you build a coordinated U.S.-India tax and asset plan, with the right specialists involved where needed.

Personalized support for individuals and families planning their return to India.

Before you leave the U.S.

The important decisions start before you leave the U.S.

You may already know the basics of moving back. The difficult part is understanding how one financial decision affects another across two countries.

What should I do with my 401(k)?

Understand your options for retaining retirement accounts, considering rollovers and planning future withdrawals.

Should I sell or retain my investments?

Evaluate brokerage accounts, RSUs, investment sales and the implications of changing residency.

What should I do with my U.S. home?

Consider the financial and tax implications of selling, retaining or renting out your property.

When should I make key decisions?

Understand how your move date, tax residency and potential RNOR period fit into your planning.

What the plan covers

A coordinated plan for your cross-border finances

We focus on the financial decisions that matter most to your situation.

Retirement accounts and incomeReview your 401(k), Traditional and Roth IRAs, planned withdrawals and relevant cross-border tax considerations.
Investments, RSUs and savingsAssess your U.S. brokerage holdings, employer stock, cash balances, investment decisions and transfer considerations.
U.S. property and rental incomeIdentify key considerations when selling or retaining a home, managing rental income and meeting relevant reporting obligations.
U.S.-India tax and RNOR planningReview residency timing, income sources and cross-border tax questions with relevant specialists.
Banking and remittancePlan the transition of your banking arrangements, fund transfers and related documentation.
The practical side of the moveFactor in shipping timelines, school admission windows and the on-ground sequencing that turns a move date into an actual arrival.

Request a custom proposal

What you receive

More than a list of recommendations. A roadmap you can act on.

Based on your agreed scope, your planning deliverables may include:

A structured review of your key assets, income sources and planning questions.
A prioritized list of decisions to address before moving and after arriving in India.
Scenario comparisons for selected decisions, where appropriate and supported by the required information.
A timeline of recommended actions and important dependencies.
Coordination with relevant U.S. and Indian tax professionals within the agreed scope.

The objective is to help you understand what needs attention, what can wait and where specialist input is required.

How it works

From your move date to a tailored proposal

Tell us about your move

Share your target date, assets and the financial decisions you need help with.

We review your requirements

We identify your main planning needs and the level of specialist involvement required.

Receive a tailored proposal

We outline the recommended scope, deliverables, fee and exclusions before you decide.

Work through your plan

We coordinate the agreed planning process and help you track your next steps.

Request a custom proposal

Built around the real experience of returning to India

Hey, I am Avinash

Ex-NRI of 20 years, returned in 2022. Desi Return grew from the practical questions families face when navigating a return across borders. We combine real returnee experiences with coordination across relevant specialists to help families make informed decisions about their transition.

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