Thanks for posting this question. I can’t provide any helpful answers, but I plan to move out of the US in the future and was not aware of this issue. I will be adding this to my long-term planning list.
I don’t know if this is the case in all countries or just some. If I were you (and if its legal) I would stick with your american bank accounts and just move some money to a new one in the countrey of residence. That way, you can accept paychecks and pay bills in that country, but you only have to create one account. Even that is a pain because you have to sign 10 different forms authorising the us gov. to do this and that with your bank accounts.
My plan is to move to the EU and I assume I will want to get a local account to handle local transactions. I would not necessarily need a local brokerage account if I can keep my investments in the US, I would just need to work out the reporting requirements for local taxes.
A lot of the details will depend on my work situation at the time (local employment, US remote, or retired). I’ve started a list of things I will need to figure out, but am mostly just adding to the list right now since any potential move is still several yeats away (at best).