I have had a Schwab brokerage acct. for 6 years or so. I have my address as being in the US at a relatives house. A week ago I wanted to add my Thai wife to the account, and change my mailing address to Thailand. So far, no can do. I tried to get a savings account, could not do that either. I do have my Thai phone in there, and they are ok with that. I wanted to make my wife the beneficiary, but you can't use a foreign address. My bet is, that it is a USA govt. requirement, not just Schwab. I have a regular bank acct in my home are in the US, and I can't use a Thai address or phone there. I need to find another way to get the wife as a beneficiary.