Cross-Border Financial Planning

I understand the many unique  challenges you go through.

Is there a way to successfully manage your finances while living abroad without leaving money on the table? 🤔

Historically, the vast majority of U.S. expatriates have been limited to working with personal financial planning consultants who lack certain knowledge when it comes to managing your finance while living abroad. Unfortunately, those relationships have proven ineffective and in many cases – quite costly.

Expat Financial Planning helps Americans living in Mexico and other countries efficiently manage their finances while creating a safe and sound future for themselves and their families.

According to a 2019 survey, 7 in 10 Americans worry that they will never be financially independent

Are you ready to take full financial advantage of your time working abroad?

I offer the ability to analyze your financial, retirement, and investment goals and propose a unique working solution – and if it all fits, to get you started on the path to maximizing your time living as an expat

We help clients go the safe route when it comes to improving their financial health while living abroad, leaving all the of guesswork out.

By hiring Expat Financial Planning, you are hiring a Financial Adviser that specializes in US expats with an international approach, with the following services:


👉 Tax Planning Strategies

👉 Estate Planning Strategies

👉 Insurance Management

👉 Retirement Planning

👉 College Planning

As an


I understand some of the challenges you go through.

I’ve highlighted some of the most common concerns that many expats have expressed to me:

1. Not taking full advantage of their years working abroad. 

2. Not knowing what to do with their cash and where to keep it. 

3. Not knowing how much foreign and national  currency to hold.

4. Lack of knowledge on tax system in host country.

5. Not knowing which financial professionals to seek help from. 

 Read more about these concerns below 




What are the

5 common concerns for expats?

Concern 1

“Not taking full advantage of the years working abroad.”

Many employees find working abroad a very profitable part of their earning career. However, adapting to a new country, culture, and sometimes a new language tends to keep many expats very busy. Also, expats living in a new country may use this period to travel and spend quality time with their families. While this is an exciting period, it often leaves little time for research and personal financial planning. Indeed, as the bank reserves grow, many expats question: Am I missing out on opportunities to invest? Should I put some of my money into investments, a second home, or a business? The problem is that expats are so busy living their lives that researching these topics is too time-consuming. Expat Financial Planning can save you time by doing all the research, while you enjoy life with your love ones. We will advise on your currency exposure (global investing advice), plan for financial independence and early retirement planning, and research where to keep your banking relationship (country of origin, new country, or both).

Concern 2

“Not knowing what to do with their cash and where to keep it.”

Great job at saving cash! Now the question where they should save it in the United States, offshore accounts, or in their country of origin. Also, many question if they should be investing in the stock market, and if so: How much, when is a good time to enter. One needs to evaluate different aspects such as: fees for saving cash and investing in the United States versus other countries, taxes (reporting to the US and/or your country of origin), and overall safety of the financial institution and market risk.

Concern 3

“Not knowing how much foreign and national currency to hold.”

Currency management and global investing is a vital consideration when living abroad. For example, if you earn American dollars, but you are likely to go back to your country of origin, such as Germany, you may evaluate holding onto Euro to hedge for financial goal planning upon your return. Keeping foreign currencies or assets may help for any possible devaluation of the dollar against other major currencies. Currency management and globally diversified portfolios are essential components of a financial plan for expats.

Concern 4

“Lack of knowledge in tax system on host country”

Let’s be honest, taxes are not easy to understand for most people even when they live in their home country. However, having to navigate two tax systems is extraordinarily time-consuming and prone to error if not done by a professional specializing in it. There are many ways that expats can make costly mistakes when it comes to tax planning at the building or withdrawing phase of their financial life. Some expats recognize the complexity of tax planning for a successful financial plan but do not have access to a financial planner who can work in conjunction with an accountant and sometimes even a financial lawyer. Expat Financial Planning has built partnerships with accountants in the United States, Mexico, Germany and China. It has also built partnerships with financial lawyers in Mexico and the United States. Having a firm that can combine the expertise of taxes, estate planning, and investment management in one place is essential for a successful financial plan.

Concern 5

“Not knowing what financial professional to seek help from”

The financial services industry is vast and finding the right adviser for you is one of the most important decisions you can make in your financial planning journey. The term financial professional is extensive, and it can vary from country to country. There are great financial professionals in the United States who understand the needs of Americans living in the U.S., and likewise many good professionals abroad who understand the needs of their local clientele. However, expats need an adviser who understands the particular and unique needs of expats. It is recommended to seek advice from “fee-only” Register Investment Advisory firms with experience working with expats. Registered Investment Advisory firms are legally bound to act as fiduciaries. In other words, they are legally required to put the client’s interests ahead of their own. Indeed, it is recommended to avoid stockbrokers or insurance agents’ advice as they are compensated by selling products instead of giving financial information.

Expats have unique needs, and there are few advisers with my level of experience and knowledge that can serve them.

I am the fee-only fiduciary, bicultural, trilingual, Certified Financial Planner and fiduciary helping Americans abroad with the high quality, laser-focused financial planning that you have been looking for.

 schedule an appointment

to find out how my strategic partners and I can help you achieve your financial goals because, behind a big dream, there is a great financial plan.