I am Aradhana Sharma, a financial consultant for small-scale businesses, based in Delhi.
After twelve years living and working in the United States, I returned to India in 2019. That dual experience is why the NRI money guides I write for NutriZoe treat the process of leaving as carefully as the realities of arriving.
I have spent nine years self-employed across seven global platforms and teach business and finance courses on Udemy. On NutriZoe I write about the practical financial systems, planning frameworks, and operational tools that matter to Indians who have moved to the US. I also explain general visa processes and share experiences,
I am a licensed financial advisor. Anyone who wishes to verify my credentials can request my license details directly; I share them without hesitation. Nothing I write is personalized advice.
You file it late, right now, through the same system you'd have used on time. The IRS says so directly: if it hasn't contacted you and you're not under investigation,…
The flight is the easy part of moving back to India. The money you leave behind is what follows you. Most people planning a return sort out shipping, schools and…
Reviewed 11 September 2026. Figures on this page were checked against SSA.gov and IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no…
Your visa status can change which days count for US tax residency. Start with the day count, then check the exceptions. Get that count wrong and you file the wrong…
Reviewed 11 September 2026. Figures on this page were checked against IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no longer matches…
Reviewed 11 September 2026. Figures on this page were checked against IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no longer matches…
Reviewed 11 September 2026. Figures on this page were checked against each provider's published fee schedule on that date. Contribution limits and thresholds change every year, so if a number…
Reviewed 11 September 2026. Figures on this page were checked against IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no longer matches…
Reviewed 11 September 2026. Figures on this page were checked against IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no longer matches…
Reviewed 11 September 2026. Figures on this page were checked against IRS.gov on that date. Contribution limits and thresholds change every year, so if a number here no longer matches…