Clear, transparent fees. No surprises.

The initial fee ($3,500 to $6,000, depending on complexity) covers the front-loaded work of building a cross-border financial plan from scratch: gathering and reconciling data across two tax systems, modeling scenarios, reviewing prior returns for compliance gaps, and producing the foundational documents your ongoing advisory will build on. It is a one-time charge, due at signing; there is no annual equivalent. The $499 discovery fee is credited against it if you sign within 90 days.

Fee-only means we are paid only by you. There are no commissions buried in investment products, no referral fees from insurance companies, and no currency-conversion spreads. Fiduciary means we are required to recommend what is best for you, not what generates more revenue for us. Our fees are the ones on this page. Third-party costs (custodial fees, fund expenses, and any tax-preparation invoices above the amount we cover) are separate and are described in our Form ADV Part 2A. For a Sailor client at the minimum, our advisory fee is $10,000 a year.

For the Sailor package, year one is the initial engagement fee ($3,500 to $6,000, depending on complexity) plus the $10,000 annual minimum, so $13,500 to $16,000. For the Settler package it is the same initial fee plus the $15,000 annual minimum, so $18,500 to $21,000. The $499 discovery meeting is credited against the initial fee if you sign within 90 days. From January 1, 2027 the Founder package for business owners carries an initial fee of $7,500 to $15,000 and a $20,000 annual minimum. These figures apply to agreements signed on or after October 1, 2026; clients who signed earlier keep the terms of their existing agreement.

No minimum engagement term. Either party may terminate on 30 days' written notice.

The Sailor package covers financial planning across all three phases (Create, Implement and Monitor) and includes portfolio advice and asset allocation, with rebalancing guidance that you implement in your own accounts. From 2027 it also includes our review of your US and Spanish returns before they are filed and annual estimated tax projections. It does not include discretionary portfolio management (buying, selling and rebalancing on your behalf) or tax preparation. Discretionary management is part of the Settler package, at asset-based fees starting at 1.00%.

Moving from Sailor to Settler is common. Many clients start with planning only and add investment management as their assets grow or as they decide to delegate that function. Either party may terminate or change packages on 30 days' written notice; there is no minimum engagement term. We discuss package fit at our review meetings, and every two years we review the complexity of your engagement. Any fee increase from that review requires advance written notice and a signed amendment to your agreement.

The Explorer one-time plan was discontinued for new clients on October 1, 2026; clients who signed before that date finish their plan 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. It is designed for families whose needs do not call for an ongoing engagement. If you already have a US adviser and need cross-border planning on an ongoing basis, the Sailor package is the usual fit.

The bands set the rate only: 1.00% a year on the first $1,500,000 of assets we manage, 0.70% from $1,500,001 to $3,000,000, and 0.50% above $3,000,000, with a $15,000 annual minimum. Every Settler client receives the same service at every level, including our payment of your US and Spanish personal return invoices up to a combined $3,000 per tax year. The returns themselves are prepared and filed by our partner firms under their own engagement letters. Assets we advise on but do not manage are billed separately at 0.35% a year on investment assets and 0.15% a year on other assets (investment real estate, alternative investments, business interests, valued at your equity), with the first $1,000,000 included at no additional cost. Our total ongoing fee for a household will not exceed $50,000 a year.

Yes. Fees are negotiable and may vary based on complexity, scope of services and client circumstances. Lower fees for comparable services may be available from other sources. Our fee schedule is set out in full in our Form ADV Part 2A, linked in the footer of every page.