Services

Estate planning is a crucial component of financial planning. It ensures that your assets are distributed according to your wishes upon your passing, while also minimizing taxes, legal fees, and streamlining the estate process. We offer assistance with legacy planning, trust planning, charitable giving, and business transition planning. We can coordinate legal reviews to ensure your will and powers of attorney are structured correctly.We have partnered with a comprehensive suite of service providers, including lawyers, accountants, and tax specialists, to offer expert consultation.

A complete financial plan must ensure your assets are protected and distributed as desired. In Panama, a legal foundation—similar to a trust—can protect assets from legal liability and simplify estate planning. This is especially important for non-US citizens owning US situs assets, as it helps mitigate exposure to higher estate taxes on US securities, real estate, and other properties.

We collaborate with legal and tax professionals to create the right structure for your legacy. In Canada, trusts like Spousal Trusts, Inter Vivos Trusts, or Testamentary Trusts are commonly used, though probate taxes may still apply. In Panama, a legal foundation can avoid taxes and protect assets like your principal residence, bank accounts, and investments.

We provide guidance on proven investment portfolios designed for investors who prefer not to be involved in the day-to-day research, management, and decision-making of their investments. Our model portfolios are tailored to align with your unique investor profile, considering your objectives, time horizon, tax situation, and risk tolerance.

The underlying investment choices within our portfolios are both effective and well-established. These can and usually are comprised of publicly traded securities and sometimes private/alternatives, such as real estate and agriculture compliment the overall asset allocation. Using a discount brokerage account in your name, you maintain full control and direct access to your investments. We will guide you on how to populate, trade, and monitor your account—whether in person or via Zoom.

When changes are made to the model portfolio, we promptly notify you to ensure you remain informed and up to date. This approach offers the benefits of professional guidance and oversight while keeping costs low.

For those who prefer a fully discretionary portfolio management approach—where the design, trade execution, and ongoing management are handled by a professional—we can connect you with a reputable and high-quality portfolio management firm. Here we can incorporate additional strategies to isolate you from excessive USA estate taxes if as a non-resident, you own situs USA property or securities.

We create individualized Investment Policy Statements (IPS) to clarify how your account will be managed, outlining acceptable asset classes and parameters. This document traditionally outlined the social contract between a discretionary investment manager and the investing client. However, in all cases it serves as a good framework for portfolio construction.

In addition to traditional investments such as stocks, exchange-traded funds (ETFs), and other mainstream securities, Panama offers a diverse and growing economy that attracts
both domestic and international investors. Below are examples of alternative investment opportunities available in various sectors. Please note that some of these opportunities require investors to be “accredited,” with minimum investments typically ranging from $20,000 to $50,000. This is especially true with agriculture purchases.