Complete Financial Proof Rules for Healthcare Immigrants With Dependents in 2026

Navigating financial requirements is one of the most critical aspects of healthcare immigration with dependents. This comprehensive guide details the 2026 financial proof rules across major destination countries, including recent changes, acceptable documentation, and strategic approaches for healthcare professionals with families.

Understanding the Core Concept: Proof of Funds vs. Income Requirements

Two Main Financial Requirements:

1. Proof of Funds (Settlement Funds): Liquid assets you must show you possess
2. Income Requirements: Minimum earnings needed for sponsorship or points

2026 Global Trends:

• Increased scrutiny on the source of funds and history
• Digital verification is becoming standard
• Higher thresholds due to inflation and cost-of-living increases
• Stricter documentation requirements for dependents

Country-by-Country Breakdown for 2026

CANADA: Express Entry & Provincial Programs

2026 Proof of Funds Requirements:

Minimum Required Funds (Updated Annually):

Number of Family Members	2026 Estimated (CAD)	2025 Baseline	% Increase Expected
1 (Principal applicant)	$15,000	$13,757	+9%
2 (Applicant + spouse)	$18,500	$17,127	+8%
3 (Applicant + spouse + 1 child)	$22,700	$21,055	+8%
4 (Applicant + spouse + 2 children)	$27,500	$25,564	+8%
Each additional dependent	+$3,000	+$2,778	+8%

Note: These are estimates based on historical increases. Official 2026 amounts announced in November 2025.

Acceptable Proof of Funds (2026 Standards):

Primary Acceptable Documents:

1. Bank statements: 6 months minimum, showing consistent balance
2. Bank letters: Official letters from financial institutions
3. Investment statements: Stocks, bonds, mutual funds (liquid value)
4. Provident/Pension funds: If accessible without penalty
5. Fixed deposits: With maturity dates and withdrawal terms

2026 Changes:

• Digital verification: IRCC may contact banks directly
• Gift funds stricter rules: Must show donor’s source and tax compliance
• Property valuation limited: Only 50% of equity is considered for some programs
• Business assets: More documentation required

Healthcare-Specific Exemptions:

Applicants WITH valid job offers DO NOT need proof of funds if:

• Job is LMIA-approved (or LMIA-exempt with positive Labour Market Impact Assessment)
• Working in Canada on a valid work permit
• Job offer is full-time, non-seasonal, permanent, or for at least 1 year

BUT: Many healthcare immigrants still provide funds to strengthen their application

Dependent-Specific Requirements:

For Spouse/Partner:

• Can combine funds in joint accounts
• If the spouse is accompanying, their income can be included if continuing
• If the spouse is not accompanying, they must prove can support themselves

For Children:

• Additional funds are required for each child
• Education costs are not included in the minimum amounts
• Special needs children may require additional proof

Strategic Approaches for Healthcare Professionals:

Strategy 1: The “6-Month Average Balance” Method

• Maintain a consistent balance of 20% above the minimum for 6+ months
• Avoid large deposits without documentation
• Use multiple account types to show financial sophistication

Strategy 2: The “Gift Funds + Savings Combination.”

• Gift funds allowed, but with strict documentation
• A gift deed requires the donor’s financial proof
• Combine with personal savings for a stronger case

Strategy 3: The “Canadian Job Offer Priority”

• Secure a job offer first to potentially waive the funds requirement
• Use the offer letter as primary financial proof
• Still maintain backup funds for the settlement period

AUSTRALIA: Skilled Migration & Employer Sponsorship

2026 Financial Requirements:

Two Main Systems:

1. Skilled Independent (189/190) visas: No official minimum, but must demonstrate capacity to settle
2. Employer-Sponsored (482/186) visas: Market salary rate requirements

Practical Requirements (2026 Estimates):

• Single applicant: AUD $25,000 recommended
• Couple: AUD $35,000+ recommended
• Family with 2 children: AUD $50,000+ recommended

Acceptable Financial Proof:

For Points-Tested Visas (showing “access to funds”):

1. Bank statements: 3-6 months showing consistent savings
2. Property valuations: With mortgage statements
3. Investment portfolios: Current market valuations
4. Superannuation statements: If accessible
5. Business assets: With audited financials

2026 Changes:

• Increased scrutiny on the source of overseas income
• Digital asset verification (cryptocurrency may be considered)
• Stricter requirements for funds held in countries with weak banking regulation

Dependent-Specific Costs:

Additional Financial Considerations:

• School fees: $5,000-$30,000 per child annually for private schools
• Childcare: $100-$200 per day
• Health insurance: $3,000-$6,000 annually for family
• Housing deposits: 4-6 weeks’ rent as a bond + 2 weeks advance

Healthcare-Specific Advantages:

Higher Salary Thresholds Benefit Healthcare:

• TSMIT (Temporary Skilled Migration Income Threshold): $80,000 in 2026
• Healthcare professionals typically earn above this
• Regional healthcare roles may have concessions

Strategy: Use an employment contract showing salary above TSMIT as primary financial evidence

UNITED KINGDOM: Health & Care Worker Visa

2026 Financial Requirements:

Two Main Categories:

1. Applicants outside the UK: £1,270 maintained for 28 consecutive days
2. Applicants switching in the UK: No funds required if with current sponsor for>12 months

Dependent Requirements:

• Partner: £285
• First child: £315
• Each additional child: £200

Example Family of 4: £1,270 + £285 + £315 + £200 = £2,070 total

Acceptable Funds Proof:

2026 Documentation Standards:

1. Bank statements: Must show a minimum balance every day for 28 days
2. Closing balance: Cannot drop below the required amount below
3. Account types: Personal savings/current accounts only (not business, not fixed deposits)
4. Joint accounts: Allowed if both are named and have access

2026 Changes:

• Digital bank statements must have the bank’s logo and contact details
• Online banking prints must show URL and date accessed
• Building society statements must follow the same rules
• Multiple accounts allowed, but all must meet the 28-day rule individually or combined

Healthcare-Specific Exemptions:

Health and Care Worker Visa Applicants ARE EXEMPT from:

1. Financial requirement (both main applicant and dependents)
2. Immigration Health Surcharge (£1,035/year per person)
3. Certificate of Sponsorship fee (employer pays)

BUT: Still recommended to show funds for settlement purposes

Strategic Approaches:

Strategy 1: The “28-Day Perfect Balance” Method

• Identify the exact date 28 days before the application
• Ensure the balance never drops below the requirement
• Avoid large deposits during this period
• Get a bank letter confirming 28-day compliance

Strategy 2: The “Sponsor Certification” Option

• The employer can certify maintenance on the Certificate of Sponsorship
• Must be an A-rated sponsor
• Employer liable if applicant claims public funds

Strategy 3: The “Combination Approach”

• Use employer certification for the main applicant
• Show personal funds for dependents
• Creates redundancy in case of issues

UNITED STATES: Employment-Based Immigration

2026 Financial Requirements:

No Official Minimum BUT Critical Evidence Needed:

For Adjustment of Status (I-485):

• Affidavit of Support (I-864): Required for family-based, may be requested for employment-based
• Poverty Guidelines: Must show income 125% above the poverty line

2026 HHS Poverty Guidelines (Estimated):

Household Size	125% Poverty Guideline (Estimated)
1	$19,000
2	$25,500
3	$32,000
4	$38,500
Each additional	+$6,500

Acceptable Financial Evidence:

For Consular Processing:

1. Employment verification letter: Showing salary above requirements
2. Tax returns: Last 3 years (W-2s, 1099s)
3. Bank statements: 6-12 months showing consistent deposits
4. Investment statements: Stocks, bonds, retirement accounts

For Public Charge Considerations (2026 Rules):

• Assets: 5x difference between income and poverty guideline
• Example: Family of 4 needs $38,500 income; if earning $30,000, needs $42,500 in assets
• Acceptable assets: Cash, stocks, bonds, property (minus mortgages)

Healthcare-Specific Context:

Advantages for Healthcare Professionals:

• Typically, higher salaries meet requirements easily
• Employer sponsorship is common with strong support
• Professional licenses demonstrate employability

Challenges:

• H-1B dependent employers may not initially sponsor families
• J-1 physicians have different requirements
• State-specific variations for certain healthcare roles

Strategic Documentation:

The “Three-Legged Stool” Approach:

1. Current income: Employment letter, recent pay stubs
2. Future earning potential: Job offer, employment contract
3. Assets: Savings, investments, property
4. Combination: Strongest case uses all three

NEW ZEALAND: Accredited Employer Work Visa & Residence

2026 Financial Requirements:

Two Main Categories:

1. Accredited Employer Work Visa (AEWV): No specific funds requirement
2. Residence Applications: Varies by category

Skilled Migrant Category (2026 Points System):

• Funds for settlement: NZD $25,000+ recommended for family
• Proof of funds: 3 months’ bank statements or equivalent

Acceptable Evidence:

For SMC Residence:

1. Bank statements: New Zealand or overseas accounts
2. Term deposits: With maturity dates
3. Shares/bonds: Readily realizable
4. Bank drafts: If bringing funds to New Zealand

2026 Digital Verification:

• Online banking statements must be certified
• Third-party declarations not accepted
• Gift funds require a statutory declaration from the donor

Dependent Considerations:

Additional Costs to Demonstrate:

• Accommodation: 2 weeks rent in advance + 4 weeks bond
• School fees: International student fees if not resident
• Health insurance: Required for some visa types
• Transportation: Vehicle purchase or public transport costs

Healthcare Green List Advantage:

Straight to Residence Pathway:

• No points system for eligible healthcare roles
• Faster processing reduces the need for extensive settlement funds
• A job offer is sufficient for many requirements

Strategy: Focus on job offer quality rather than extensive personal funds

GERMANY: EU Blue Card & Work Visas

2026 Financial Requirements:

Blocked Account (Sperrkonto) Requirements:

• 2026 Amount: €12,324 per year (€1,027 per month)
• For students/Jobseekers: Required for visa application
• For professionals: Often waived with an employment contract

Healthcare Professionals Typically Exempt IF:

• Have a binding job offer with a minimum salary
• Salary meets Blue Card threshold (2026: €45,300+ or €41,041 shortage)
• Employer provides relocation support

Alternative Proof Accepted:

1. Verpflichtungserklärung: Formal obligation by a German resident
2. Scholarship/grant documentation
3. A combination of assets showing sufficient funds

Dependent Financial Requirements:

Additional Funds for Family Members:

• Spouse: Additional 20% of the blocked account amount
• Children: Additional 10-15% per child
• Health insurance: Must be arranged and paid for

2026 Changes:

• Digital blocked accounts are more common (Fintiba, Expatrio)
• Stricter verification of employment contracts
• Increased minimum health insurance coverage requirements

Strategic Approaches:

Strategy 1: The “Employment Contract First” Method

• Secure a job offer meeting salary requirements
• Use the contract as primary financial proof
• Supplement with personal savings for dependents

Strategy 2: The “Partial Blocked Account” Approach

• Use the blocked account for the initial months
• Show employment contract covering the remaining period
• Reduces upfront cash requirement

Source of Funds Documentation (Critical 2026 Requirement)

Why Source Matters More in 2026:

• Anti-money laundering compliance global priority
• Tax evasion prevention through international cooperation
• Fraud prevention in immigration systems

Acceptable Sources with Documentation:

1. Employment Income:

• Required: Employment letters, pay slips, tax returns (3 years)
• Bank statements: Showing regular salary deposits
• Employer verification: Contact information for verification

2. Business Income:

• Required: Audited financial statements (2-3 years)
• Business registration documents
• Tax clearance certificates
• Bank statements showing business transactions

3. Property Sale:

• Required: Sale agreement with purchase price
• Previous ownership documents
• Bank statement showing proceeds deposit
• Tax clearance on capital gains

4. Inheritance/Gifts:

• Required: Death certificate (inheritance) or gift deed
• Donor’s financial proof and tax compliance
• Bank transfer records from donor to applicant
• Statutory declaration from the donor

5. Investments:

• Required: Investment statements showing history
• Purchase records for assets
• Dividend/interest income documentation
• Capital gains tax compliance

Red Flags in Source Documentation:

🚩 Large recent deposits without explanation
🚩 Funds from high-risk countries without a clear source
🚩 Multiple small deposits avoiding reporting thresholds
🚩 Funds from undisclosed third parties
🚩 Inconsistent documentation across applications

Click Here To Learn More: Healthcare Workers: When to Change Countries for Better PR Chances (2026)

Digital Assets & Cryptocurrency (2026 Considerations)

Current Status by Country:

Canada: Generally accepted if converted to cash with proper trail
Australia: Considered if liquid and value verifiable
UK: Not typically accepted due to volatility
USA: Case-by-case, must show stable value
New Zealand: Emerging acceptance with strict documentation
Germany: Limited acceptance, traditional funds preferred

Documentation Requirements for Crypto:

1. Exchange statements: Showing purchase history and holdings
2. Wallet addresses: For verification purposes
3. Conversion records: To fiat currency with bank deposit proof
4. Tax compliance: Capital gains reporting
5. Valuation method: Consistent, verifiable method

2026 Recommendation: Convert significant crypto to traditional assets before application

Joint Accounts & Combined Funds

Rules by Country:

Canada: Spousal funds are fully acceptable with proper documentation
Australia: Joint accounts acceptable, both parties must declare
UK: Joint accounts allowed if both have access throughout the 28 days
USA: Joint accounts considered for public charge determination
New Zealand: Joint accounts accepted with consent from both parties
Germany: Joint accounts are acceptable with both signatures

Documentation Requirements:

1. Account statements showing both names
2. Proof of relationship (marriage certificate, etc.)
3. Consent letters for immigration use of funds
4. Individual financial declarations when combining separate funds

Strategic Use of Joint Accounts:

• Simplify documentation with the primary applicant as the main account holder
• Show financial interdependence for relationship evidence
• Combine resources to meet higher thresholds
• Maintain individual accounts as backup

Gift Funds: Rules & Documentation (2026)

General Rules Across Countries:

• Gifts allowed but with stricter rules in 2026
• Donor must be immediate family, typically (parents, siblings)
• No expectation of repayment (not loans)
• Tax compliance must be demonstrated

Required Documentation:

1. Gift Deed/Declaration:

• Notarized statement from donor
• Specifics: Amount, date, relationship, purpose
• Declaration that it’s a gift (not a loan)

2. Donor’s Financial Proof:

• Bank statements showing the source of funds
• Employment/business income proof
• Tax returns showing the ability to gift

3. Transfer Records:

• Bank transfer slips showing gift deposit
• Corresponding withdrawal from the donor’s account
• Clear audit trail between accounts

4. Recipient’s Acknowledgement:

• Written acceptance of gift
• Bank statement showing a deposit
• Declaration of no repayment obligation

Country-Specific Gift Rules:

Canada (2026):

• Allowed: From immediate family
• Required: Gift deed, donor’s financial proof, transfer records
• Timing: Must be in account before application

Australia:

• Allowed: From family members
• Required: Statutory declaration, transfer proof
• Consideration: May be viewed less favorably than personal savings

UK:

• Allowed: If held for 28 days post-deposit
• Required: Donor declaration, transfer proof
• Note: Large gifts may require additional source documentation

USA:

• Allowed: Subject to annual gift tax limits ($17,000 per recipient in 2026)
• Required: Gift tax returns if over limit, transfer documentation
• Consideration: USCIS may question dependency if large gifts

Loans as Financial Proof (Generally Not Recommended)

Why Loans Are Problematic:

• Creates debt rather than demonstrates settlement capacity
• Most countries specifically exclude borrowed funds
• Shows financial vulnerability rather than stability
• May violate immigration rules against misrepresentation

Exceptions (Limited):

1. Mortgage-backed assets: Property equity minus the loan considered
2. Education loans: For student visa applications only
3. Business loans: For entrepreneur visas with business plans

2026 Recommendation: Avoid using loans for settlement fund requirements

Children’s Education Funds: Special Considerations

Separate from Settlement Funds:

• Not included in minimum requirements
• Strongly recommended to show additional funds
• Country-specific costs vary dramatically

2026 Estimated Education Costs:

Country	Public School (Annual)	Private School (Annual)	International School (Annual)
Canada	Free for PR	$10,000-$25,000 CAD	$20,000-$40,000 CAD
Australia	Free for PR	$15,000-$30,000 AUD	$25,000-$50,000 AUD
UK	Free for residents	£10,000-£20,000	£15,000-£35,000
USA	Free for residents	$10,000-$30,000 USD	$20,000-$50,000 USD
NZ	Free for residents	$10,000-$25,000 NZD	$20,000-$40,000 NZD

Documentation Strategies:

1. Separate education savings accounts
2. Education trust funds or 529 plans (USA)
3. Scholarship documentation, if applicable
4. Family support guarantees for education costs

Special Needs Dependents Additional Requirements

Additional Financial Proof Required for:

• Disabled dependents: Medical care, equipment, therapy costs
• Chronically ill dependents: Ongoing treatment expenses
• Elderly dependents: Care costs, medical expenses

Documentation Required:

1. Medical reports: Detailing condition and requirements
2. Cost estimates: From healthcare providers
3. Insurance coverage: What’s covered vs. out-of-pocket
4. Care plans: Long-term financial requirements

Country-Specific Support Systems:

Canada: Public healthcare covers many needs for PR holders
Australia: Medicare + National Disability Insurance Scheme
UK: NHS covers residents, but waiting lists for some services
USA: Highly variable by insurance and state
New Zealand: Public system with some limitations

Strategy: Show additional funds 20-50% above standard requirements for special needs dependents

The 90-Day vs. 6-Month Rule Debate

Different Country Requirements:

28-Day Rule (UK): Funds must be maintained for 28 consecutive days
3-Month Rule (Many EU): Typical requirement for visa applications
6-Month Rule (Canada preferred): Strongly recommended, though not always required

2026 Best Practice:

• Maintain funds for 6+ months regardless of the minimum requirement
• Avoid large deposits within 3 months of application
• Document the source of any recent large deposits
• Keep the balance consistent rather than fluctuating

The “Financial Seasoning” Concept:

• Fresh funds = higher scrutiny
• Seasoned funds (6+ months) = lower scrutiny
• Strategic time accumulation of funds
• Plan application date around fund seasoning

Tax Implications of Transferring Funds

Pre-Immigration Tax Planning:

Key Considerations:

1. Exit taxes: Some countries tax unrealized gains when leaving
2. Foreign account reporting: FBAR (USA), CRS (global)
3. Capital gains tax: On investment liquidation
4. Gift taxes: When transferring between family members

2026 Recommended Strategy:

1. Consult a cross-border tax advisor 12+ months before the move
2. Liquidate assets strategically to minimize taxes
3. Time transfers to optimize tax implications
4. Document all transactions for immigration and tax purposes

Banking Considerations:

1. International wire fees: 1-3% typically
2. Exchange rate timing: Can significantly impact amounts
3. Banking relationships: Establish in the destination country early
4. Credit history: Cannot transfer, must build new

Digital Documentation Standards for 2026

Acceptable Digital Formats:

1. PDF scans: Color, high resolution (300 DPI+)
2. Bank e-statements: Must include URL and date accessed
3. Digitally signed documents: Increasingly accepted
4. Online verification portals: Some banks provide immigration verification

Document Preparation Checklist:

• All pages of the bank statements are included
• Account holder name is clearly visible
• Bank contact information included
• Currency clearly stated
• Date range covers the entire required period
• No alterations or redactions (except personal, unrelated info)
• Certified translations for non-English documents

2026 Digital Verification Trends:

• Direct bank verification by immigration authorities
• Blockchain-based verification for some financial documents
• API integration between banks and immigration systems
• Increased fraud detection through digital analysis

Common Mistakes & How to Avoid Them

Mistake 1: Large Recent Deposits

Problem: Looks like borrowed funds or money laundering
Solution: Document source thoroughly, season funds 3-6 months

Mistake 2: Using Business Accounts

Problem: Personal funds requirement typically excludes business accounts
Solution: Transfer to a personal account well before the application

Mistake 3: Insufficient Documentation for Source

Problem: Funds accepted, but source questioned
Solution: Provide a comprehensive documentation chain

Mistake 4: Fluctuating Balance

Problem: Drops below the minimum during the required period
Solution: Maintain buffer 10-20% above minimum

Mistake 5: Incorrect Currency Conversion

Problem: Using unfavorable exchange rates
Solution: Use OANDA or similar for official rates, document conversion

Mistake 6: Overlooking Dependent Requirements

Problem: Meeting the main applicant requirement but missing dependents
Solution: Calculate total family requirement, not individual

Mistake 7: Poor Quality Documentation

Problem: Blurry scans, missing pages, unreadable
Solution: Use professional scanning, verify all pages included

Healthcare-Specific Financial Strategies

Strategy 1: The “Employment Contract Leverage”

• Use guaranteed healthcare income to supplement savings
• Highlight industry stability and demand
• Negotiate a relocation package to cover initial costs

Strategy 2: The “Professional License Asset”

• Medical/nursing licenses have financial value
• Demonstrate earning potential beyond current savings
• Use license recognition as evidence of employability

Strategy 3: The “Country-Specific Healthcare Incentives”

• Research signing bonuses, relocation packages
• Some countries offer loan forgiveness for healthcare workers
• Rural/underserved areas may offer additional financial support

Strategy 4: The “Staged Immigration” Approach

• Work in a high-paying location first (Middle East, USA)
• Accumulate savings tax-free/at high rates
• Then move to the destination country with a financial cushion

The “Financial Proof Portfolio” Concept

Create a Comprehensive Financial Package:

Section 1: Current Assets

• Bank statements (6 months)
• Investment portfolios
• Property valuations
• Retirement accounts

Section 2: Income Evidence

• Employment contracts
• Pay history (2-3 years)
• Tax returns
• Future earning potential (job offers)

Section 3: Source Documentation

• For all significant assets
• Gift documentation if applicable
• Inheritance/property sale records

Section 4: Settlement Plan

• Budget for the first year in the destination
• Housing arrangements
• Cost of living estimates
• Employment transition plan

Benefits:

• Demonstrates thorough preparation
• Addresses potential questions proactively
• Shows financial sophistication
• Creates redundancy if one document is questioned

2026 Projections & Preparing for Changes

Expected Changes:

1. Higher thresholds: Inflation adjustments continue
2. Stricter source verification: Anti-money laundering focus
3. Digital asset consideration: More countries may accept crypto
4. Real-time verification: Direct bank access by immigration
5. Family inflation factors: Higher multipliers for dependents

Preparation Strategy:

1. Start early: Begin fund accumulation 12-18 months before application
2. Diversify documentation: Multiple account types, both liquid and semi-liquid
3. Professional advice: Consult immigration financial specialists
4. Buffer amounts: Maintain 20-30% above minimum requirements
5. Continuous monitoring: Watch for policy announcements

Country Comparison Summary

Country	Minimum Funds	Time Required	Dependents Add	Healthcare Advantages
Canada	$15,000 (1 person)	6 months preferred	+$3,500 each	Job offer exempts, fast PR
Australia	No official min	3-6 months	Varies	High salaries meet requirements
UK	£1,270 (outside UK)	28 days exact	Formula-based	Health & Care Visa exempt
USA	Poverty line 125%	6-12 months	+$6,500 each	Employment-based often exempt
New Zealand	NZD $25,000+	3 months	Additional 10-15%	Green List simplifies
Germany	€12,324/year	N/A if employed	20% spouse, 10% child	Employment contract primary

Final Checklist for 2026 Applications

6 Months Before Application:

• Research the exact requirements for your destination country
• Calculate the total needed for your family size
• Begin fund accumulation if short
• Open accounts in the destination country if possible
• Consult a tax advisor about asset transfers

3 Months Before Application:

• Ensure funds meet minimum requirements
• Avoid large, unusual deposits
• Gather source documentation for all significant funds
• Get official bank letters and statements
• Begin document scanning and organization

1 Month Before Application:

• Verify all amounts are still above requirements
• Double-check currency conversion rates
• Create a financial proof portfolio
• Have documents certified/translated if needed
• Review for common mistakes

At Application:

• Submit clear, organized documentation
• Include explanatory letters for any complex situations
• Keep copies of everything submitted
• Be prepared for additional requests

Conclusion: Strategic Financial Preparation for 2026

Financial proof requirements for healthcare immigrants with dependents are becoming more rigorous but also more standardized globally. The key to success in 2026 is understanding both the explicit rules and the implicit expectations of immigration authorities.

Core Principles for 2026:

1. Start early: Financial seasoning matters more each year
2. Document thoroughly: The Source is as important as the amount
3. Think family-wide: Dependents significantly increase requirements
4. Leverage healthcare advantages: Use your professional status
5. Prepare for digital verification: Assume everything will be checked

Remember: As a healthcare professional, you bring valuable skills that countries need. While financial requirements can seem daunting, they’re designed to ensure successful settlement, not to exclude qualified professionals. With careful planning and strategic preparation, you can meet these requirements while building a solid financial foundation for your family’s new life abroad.

Your healthcare career is your greatest asset in immigration—combine it with thoughtful financial planning, and you’ll navigate the 2026 requirements successfully.