Your retirement plans don't stop at the U.S. border.
Your financial plan shouldn't either.
You have the vision.
You need the plan.
You know what you want your retirement to look like. Maybe you've already done the research — scoped out neighborhoods in Lisbon, looked at cost of living in Oaxaca, joined a few world-travel groups. You might even have a rough timeline.
What you probably don't have is a financial plan that actually addresses how all of this works in practice. Not just "can I afford it?" but the real-world logistics.
These are the questions that most retirement plans don't touch. They're also the questions that matter most if you're planning a retirement that moves.
How do you manage cash flow when you're earning in dollars but spending in euros or pesos — for months at a time?
What happens with your healthcare when you're outside the U.S.?
How does Social Security work when you're living abroad?
What should you do with your U.S. accounts, your tax obligations, and your banking setup while you're gone?
How do you make sure the money lasts when your expenses shift between countries and currencies?
A focused practice.
World-travel retirement planning.
We build retirement plans specifically for people who intend to spend meaningful time outside the United States. That means your plan accounts for the things that generic retirement planning skips: currency conversion and cash flow across countries, healthcare coordination abroad, Social Security considerations while living outside the U.S., and what to do with your U.S.-based accounts and assets while you’re away.
Fee-only financial planning.
We charge for the plan and the planning relationship — not for managing your investments. You keep full control of your accounts. We advise on allocation, rebalancing, and tax-aware strategies. You execute. This is for people who want expert guidance without handing over the keys.
Behavioral finance, built in.
Knowing the right thing to do and actually doing it are two different problems. We bring behavioral finance into the planning process so that your plan isn’t just technically sound — it’s something you can follow through on. Fewer spinning wheels. More forward movement.
It’s not about
how much you have.
It’s about what kind of support you need — and whether world-travel is genuinely part of your retirement. Most of the people we work with sit at the intersection of two or more of these.
Designing
your retirement
Mobile
life
Guidance, not
management
Our clients
live here
Within a few years of retirement.
Planning to spend extended time abroad months at a time.
Recently retired.
Already navigating the logistics of living internationally.
A remote worker or digital nomad.
Building toward a retirement that supports a mobile lifestyle.
Planning guidance, not investment management.
Comfortable managing your own portfolio. You want a partner to build the plan around it.
World-travelers with a U.S.-based life and desire for planning help — not account management.
Four stages, paced to your timeline.
It starts with fit.
Before we schedule a planning conversation, you’ll answer a short questionnaire on our website. It helps us understand what you’re looking for and whether our expertise matches your situation. No awkward sales calls. No wasted time on either end.
Then we get into the details.
If there’s a fit, we have an initial conversation to understand your timeline, your goals, and the specifics of your cross-border plans. Where are you thinking about living? For how long? What does your income picture look like? What’s keeping you up at night?
We build the plan.
Your plan covers retirement income, cash flow across currencies, healthcare coordination, Social Security timing, tax considerations, and account logistics. It’s comprehensive, it’s personalized, and it’s built around the life you’re designing — not a template.
You get ongoing support.
Retirement planning isn’t a one-time event. As your plans evolve — a new country, a change in timeline, a shift in expenses — we’re here to help you adjust. The planning relationship continues as long as it’s useful.
Clarity saves
everyone time.
We want to be upfront about what Holistic Financial Group doesn’t do.
01 /
Retirement lifestyle is our focus.
We can work with you if your retirement includes traveling abroad or staying in the U.S. Our expertise is in creating your retirement lifestyle.
02 /
We don’t require managing your investments.
Our focus is on planning. We don’t charge AUM fees and we don’t take custody of your accounts. We advise. You decide and execute.
03 /
Tax planning but not tax preparation.
We factor taxes into your plan and help you understand the implications of living and traveling abroad but we don’t file returns. We’ll recommend a qualified tax professional if applicable.