In short
Americans in Spain often have a gestor in one country, a CPA in another, an attorney somewhere else, and a relocation company for the move itself, and nobody looking at the investments and retirement accounts across both countries. Cross Border Wealth Advisors works alongside those professionals on that piece. Your client stays your client.
Cross Border Wealth Advisors is led by Victor Gersten, EA, CFP®, MS, MPAS™. We help Americans living in or moving to Spain with investment management, retirement income planning and cross-border financial planning.
Spanish gestores and asesores
When a client’s US retirement accounts, Social Security and investments feed into a Spanish return, we can model how different withdrawal choices may flow into the Spanish and US returns, and share clear summaries your team can use when preparing the Spanish filings, including the Modelo 100 and Modelo 720.
What your clients may be reading: The US Spain tax treaty explained, Modelo 720 explained, Which retirement account to draw first.
US CPAs and enrolled agents
For clients who need a Spanish connection, we can help with the investment side of coordination: fund selection that avoids PFIC problems, account reporting information, and planning around foreign tax credits. Return preparation stays with you.
What your clients may be reading: The PFIC trap, FEIE or foreign tax credit, The Roth IRA in Spain.
Immigration and estate attorneys
Clients with assets in both countries often need wills and trusts that work in both. We can provide the financial picture, such as which accounts exist, where they are held and who the beneficiaries are, so your documents reflect reality.
What your clients may be reading: Your US estate plan and Spain, Leaving California for Spain.
Relocation services and moving companies
Relocation advisers see clients at the busiest time of their financial lives. We can be the financial planning resource for clients who are moving, covering what to do with accounts, investments and retirement income before and after they arrive, while you handle the move itself.
What your clients may be reading: Five financial mistakes Americans make before moving to Spain, Your first year as an American in Spain, Why US brokerages are closing expat accounts, and our 12 month financial checklist.
| Your role | What we can contribute |
|---|---|
| Spanish gestor | Income and withdrawal summaries for Spanish filings |
| US CPA / EA | Investment and account information, PFIC avoidance |
| Attorney | Asset and beneficiary overview for wills and trusts |
| Relocation company | Financial planning resource for moving clients |
Next steps
Stay in the loop
Get our educational updates for professionals who serve Americans in Spain. Join our list with the sign-up form at the bottom of this page.
Learn how we work
See our services, pricing and sample plans.
Introduce a client
Email victor@gerstenfp.com. Please do not include confidential client details in the first message.
Linking to Cross Border Wealth Advisors
If you are a tax preparer, attorney, gestor or other professional who works with Americans in Spain, you are welcome to link to us. Here is a short description you can copy:
Cross Border Wealth Advisors is a California state-registered investment adviser (CRD 309890) that provides fee-only wealth management for US citizens living in or moving to Spain. Victor Gersten, EA, CFP®, MS, MPAS™, coordinates US and Spanish tax planning with clients’ own preparers and advisers.
Link: https://cbwealthadvisors.com/
No referral fees or other benefits are paid or received by either side for links, introductions or referrals.
This page is general information for professionals and does not constitute legal or tax advice, or an offer of advisory services until a formal client agreement is executed. Described in our Form ADV Part 2A.