Retired Couple Qualifies for the NLV on Social Security Plus IRA Income

Retired couple qualified for the Non-Lucrative Visa using Social Security plus IRA distributions as passive income.

The challenge

Susan and David's monthly Social Security fell just short of the couple's income threshold on its own. They needed to prove stable passive income without triggering the non-lucrative work rule.

How we handled it

• Combined Social Security benefit letters with a structured IRA distribution schedule to clear the 400% IPREM threshold for the couple.
• Secured a compliant private health insurance policy with no copays, as the NLV requires.
• Prepared the FBI background check apostille and a full document set for the Houston consulate.

The result

Approved in 58 days. The couple now lives in Valencia, and we mapped their renewal schedule and the path toward permanent residency at year five.

“We were told our Social Security alone was not enough. Elena showed us how to document the IRA income the consulate would accept.”

This case is an anonymized composite. Names and identifying details are fictional; the pathway and timeline reflect real practice.