Most financial advice assumes you live, earn, bank, and retire in one country. My clients don't — and that's exactly the work I love. I'm Victor Gersten, founder of Cross Border Wealth Advisors. I work with US citizens and dual nationals living abroad, especially those moving between the United States and Spain, and those planning a move to Portugal or elsewhere in Europe. What makes cross-border planning hard isn't the investing — it's everything around it: how two tax systems interact, where to hold accounts, how a Golden Visa or a relocation reshapes your plan. I'm both a CERTIFIED FINANCIAL PLANNER™ and an Enrolled Agent, so I look at your investments and your tax picture together instead of handing you off and hoping the pieces line up. When a client needs in-country expertise, I coordinate with trusted tax and legal partners in the US, Spain, and across Europe. I built this firm after years inside large US brokerage houses, where I saw how poorly the traditional model served people whose lives crossed borders. Today I split my own life between the US and Spain, work in English and Spanish, and teach university students on the side — so the cross-border balancing act my clients live isn't theory to me, it's my everyday. I'm fee-only and a fiduciary: I'm paid only by my clients, never through commissions or products. If you're building a life across borders and want a planner who actually speaks both sides of it, let's talk.