Cross Border Wealth Advisors

The firm serves individuals and families with cross-border ties to Spain through branded service packages (Sailor, Settler, Founder) that combine financial planning, portfolio management, and cross-border tax coordination. It also operates a separate offering, Juntos en tus finanzas, delivering a one‑time, fixed‑fee Plan Familiar primarily in Spanish for lower‑resource Latino households and employer‑paid employee programs.

Investment work is centered on a curated, passive-core approach with client‑specific overlays to handle cross‑border constraints (for example, PRIIPs/KIID issues and euro‑denominated cash for currency hedging), and services may be delivered on a discretionary or non‑discretionary basis. For ongoing clients the firm coordinates U.S. and Spanish tax preparation with vetted partner firms and reviews completed returns before filing, while Plan Familiar engagements are produced using software and advisor‑reviewed AI tools to generate written plans and personalized videos.

Distinctive aspects include a structured Founder package aimed at business owners relocating to or resident in Spain that adds entity‑structure and owner‑compensation planning and broader cross‑jurisdiction coordination, and an uncommon practice of handling a portion of clients’ personal U.S. and Spanish tax‑preparation invoices for ongoing package clients. The firm also provides community‑focused workshops and an employer‑paid Plan Familiar option, uses an outside portfolio platform for portfolio construction, and maintains vendor‑oversight and information‑security measures for its technology and AI tools.