Exactly what you get - at every stage.

The 360° designation means the plan covers every dimension of your financial life at the same time (investment planning, tax planning, retirement planning, estate planning, insurance review, and cross-border compliance) rather than treating each in isolation. For American expats this interconnection matters: liquidating a brokerage account affects Spanish wealth tax, your IRPF bracket, and your US capital gains calculation all at once. Our services overview explains how the three phases build on each other.

The Explorer one-time plan was discontinued for new clients on October 1, 2026; clients who signed before that date finish under their existing terms. From January 1, 2027 we will offer the Plan Familiar under our Juntos en tus finanzas name: a $999 one-time financial plan delivered mainly in Spanish (English on request), with a written plan summary, a personalized video and a twelve-month action list, for families whose needs do not call for an ongoing engagement. If you want a plan and someone in your corner as it plays out, Sailor is the entry point; it can move to Settler later when you want implementation and portfolio management delegated.

CBWA does not prepare or file tax returns. Your US and Spanish returns are prepared and filed by vetted partner firms that sign under their own license, and you contract with the preparing firm directly. Our role is coordination and review: we make sure the two returns tell the same story, we review both before they are filed, and we handle the planning that drives them, including the FEIE or Foreign Tax Credit election (Form 2555 or Form 1116), FBAR (FinCEN 114) and Form 8938 reporting, and the Modelo 720 and Modelo 714 obligations in Spain. In the Settler package CBWA pays the preparers' invoices for your personal US and Spanish returns up to a combined $3,000 per tax year, at every asset level. Sailor clients pay the preparer directly; from 2027 Sailor includes our review of both returns before filing. See the pricing page for the terms that apply to your agreement.

Each review (three a year for Sailor, four a year for Settler) is a structured 45 to 60 minute meeting against an updated version of your financial plan. We review investment performance, your tax position year to date, cash flow against projections, any life events since the last meeting, and upcoming filing deadlines (FBAR by October 15, Spanish IRPF by June 30, Modelo 720 by March 31). You receive a written summary of the session documenting agreed actions, updated figures, and any changes to the plan, so there is a clear record of every decision made.

Portfolio management means we hold discretionary investment authority over your US accounts. We build, rebalance, and adjust a portfolio of US-domiciled ETFs and funds without needing your approval for each trade. We specifically construct portfolios to avoid PFIC exposure, use tax-loss harvesting where appropriate, and coordinate asset location across taxable and tax-deferred accounts to minimize your combined US and Spanish tax liability. Client accounts are held at Charles Schwab, which accommodates Americans resident abroad. Settler fees are tiered: 1.00% a year on the first $1,500,000, 0.70% from $1,500,001 to $3,000,000, and 0.50% above $3,000,000, with a $15,000 annual minimum, for agreements signed on or after October 1, 2026. The bands set the rate only; the service is the same at every level.

Yes, unconditionally. Every plan, report, and document we prepare is yours to keep. We do not hold documents as leverage or restrict access on termination. We also provide a formal off-boarding summary that documents your current financial position, open compliance items, upcoming deadlines, and recommended next steps, so that you or any successor advisor can pick up without losing continuity.