Retirement planning for the life you actually want to live —
even if that life spans multiple countries.
Currency
Cash flow that moves across dollars, euros, pesos.
Healthcare
Coordination for months abroad and back again.
Social Security
Timing and filing while you’re outside the U.S.
Accounts
Banking and logistics for a household that travels.
The problem
nobody plans for.
You’ve spent years imagining what retirement could look like. Maybe it’s six months in Portugal, a winter in Mexico, or a permanent base abroad with extended trips home. Maybe you’re still working remotely and building toward a retirement that lets you keep moving.
The financial planning industry has plenty of advice about when to take Social Security, how to allocate your portfolio, and when to file for Medicare. What it doesn’t have — at least, not in most places — is a plan for what happens when you slow travel.
Currency conversion. Healthcare coordination across countries. Social Security while living abroad. What to do with your U.S. accounts when you’re not in the U.S. for months at a time. These aren’t edge cases for people who want to travel in retirement. They’re the whole picture.
That’s the work we specialize in at Holistic Financial Group.
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Four situations
we know well.
Most retirement planners work inside the U.S. system. We work across it. Here’s who tends to find us.
01
Within a few years of retirement.
You’ve scoped out neighborhoods in Lisbon or the cost of living in Oaxaca. You need a plan that accounts for income across currencies, healthcare abroad, and what to do with your U.S. accounts while you’re gone.
02
Recently retired, navigating the logistics.
You’re slow traveling — or about to — and the questions are piling up. Social Security while abroad, U.S. tax obligations, banking setup, cash flow when you earn in dollars and spend in euros.
03
One or two clients moving abroad.
A household you want to keep — retiring to southern Spain, splitting time between two countries. Great clients, suddenly with planning needs more complex than your firm’s typical scope.
04
Specialist bench, without the headcount.
You want to serve internationally mobile clients well — without hiring a specialist or launching a new practice area. We work behind the scenes; the client relationship stays with you.
Four things we do that most retirement planners don’t.
01 /
Planning-first. Not product-first.
We don’t manage investments and we don’t charge AUM fees. Our focus is the plan itself — structured, personalized, and built around how you actually want to live. You keep control of your accounts. We provide the guidance, the framework, and the recommendations.
02 /
Cross-border fluency.
Most retirement planners work within the U.S. financial system. We work across it — bringing CFP-level planning together with the cross-border awareness that comes from specialized training through the Global Financial Planning Institute. Currency, healthcare, Social Security abroad, and account logistics are part of every engagement.
03 /
Behavioral finance built in.
A good plan only works if you can follow through on it. We bring behavioral finance into the planning process so that recommendations are actionable — not just technically correct. The goal is fewer spinning wheels and more forward movement.
04 /
A network of cross-border advisors.
Holistic Financial Group is a part of the Global Financial Planning Institute (GFPI). The GFPI is a network of 400+ advisors that specialize in cross-border planning.
Three steps,
no surprises.
Step 01
See if it's a fit
90 seconds
Step 02
Have a conversation
15-20 minutes
Step 03
Get your plan
60-90 minutes
See if it's a fit
Start with our brief questionnaire. It’s designed to make sure we’re the right match — not based on how much you have, but on what kind of planning support you’re actually looking for.
Have a conversation.
If there’s a fit, we’ll schedule a planning conversation to understand your situation, your goals, and the specifics of your cross-border plans.
HFG
You
Get your plan.
We build a comprehensive plan tailored to your retirement timeline and intended lifestyle — wherever that takes you. Actionable recommendations, clear next steps, and ongoing support as things evolve.
" If I want to slow travel
in retirement, what
do I need to plan for financially before I go?
The complexity is real, but it’s manageable. Especially when you have somebody working with you at your side to help you navigate through these various financial landscapes.