Paratus USA | U.S. Expat Lane (Q1 Spain Focus) Supervised by BGAN Global Advisors
Advisory Team

Your Advisory Team Leader

Calvin Thomas / US Expat Wealth Management

American expat
wealth in Spain,
done right.

Comprehensive U.S. and Spanish tax planning, compliant portfolio architecture, and cross-border estate strategies—designed exclusively for American expatriates with significant assets in Spain.

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Dual-Licensed Advisors
Cross-Border Specialists

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The Expat Wealth Triad

Three pillars of cross-border wealth management, executed in perfect synchronization.

Tax Architecture

Dual-jurisdiction tax planning that optimizes for both IRS and Agencia Tributaria requirements while avoiding double taxation.

  • Treaty optimization (U.S.-Spain)
  • FBAR, FATCA, Modelo 720 compliance
  • Roth conversion strategies
  • Social Security optimization

Portfolio Structure

PFIC-compliant investment architecture that avoids punitive taxation while maintaining global diversification.

  • U.S. ETFs & mutual funds (avoiding PFIC)
  • Strategic 401(k)/IRA rollovers
  • Currency risk management (EUR/USD)
  • Direct indexing for tax-loss harvesting

Estate Planning

Cross-border succession strategies that minimize inheritance tax in both jurisdictions and ensure smooth wealth transfer.

  • Dual wills (U.S. & Spanish)
  • Irrevocable life insurance trusts (ILITs)
  • Beneficiary designation review
  • Power of attorney (both jurisdictions)

Our Process

A systematized approach to cross-border wealth management, refined over hundreds of expat cases.

1

Discovery

Complete financial inventory, tax return analysis, and cross-border risk assessment.

2

Strategy

Customized wealth architecture plan covering tax, investment, and estate pillars.

3

Implementation

Execute plan with coordination between U.S. advisors, Spanish gestorías, and custodians.

4

Stewardship

Ongoing monitoring, quarterly reviews, and proactive adjustments to changing regulations.

Technology-Enhanced Advisory

Our proprietary WealthFlow™ platform integrates real-time tax modeling, compliance tracking, and portfolio analytics across U.S. and Spanish jurisdictions.

  • Real-Time Tax Projections

    See impact of transactions on both U.S. and Spanish tax liability instantly.

  • Compliance Dashboard

    Track FBAR, FATCA, Modelo 720, and other filing deadlines in one place.

  • Scenario Modeling

    Test retirement withdrawal strategies, Roth conversions, and repatriation scenarios.

Technology Dashboard

Supervised Practice

Paratus USA operates under the supervision of BGAN Global Advisors, ensuring institutional-grade compliance and fiduciary standards.

SEC Registered

Operating as an investment adviser under U.S. securities regulations.

Fiduciary Duty

Legally obligated to act in your best interest at all times.

Dual Expertise

U.S. CFP® professionals paired with Spanish tax specialists.

Ready to Optimize Your Cross-Border Wealth?

Schedule a complimentary strategy session to discuss your situation with our U.S. expat wealth team.

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Minimum asset requirement: $500,000 investable