U.S. Expat Planning Team
Calvin Thomas, CFP® professional

Led by Calvin Thomas

Cross-Border Specialist

U.S. assets. Spain life.
One planning view.

Living in Spain does not pause your U.S. financial reality. Accounts, reporting, and life decisions can overlap in ways most people do not see until it is expensive, stressful, or urgent. We help you organize the moving parts, identify decision intersections, and prepare for the right conversations with the right professionals.

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Cross-border planning focus
Spain context, U.S. roots
Coordination-first approach
The Reality

Spain is home. The U.S. is still on the paperwork.

Most people are not confused because they are irresponsible. They are confused because they are living inside two systems that were not designed to work together.

Decision overlap

Retirement accounts, brokerage structures, residency timelines, and family planning choices can interact. The risk is not one decision — it is making them in the wrong order.

Reporting complexity

Some requirements are administrative. Some are consequential. The challenge is knowing what applies to you and what needs to be coordinated.

One-sided advice

Your Spanish professional may not track U.S. constraints. Your U.S. professional may not understand Spain realities. Cross-border coordination is the missing piece.

Services

Planning support for Americans living in Spain

We focus on planning clarity, decision sequencing, and coordination across jurisdictions. Where tax or legal work is required, we work in coordination with qualified professionals.

Cross-border planning orientation

Organize your financial picture and identify what matters most right now.

  • Organize your U.S. and Spain financial picture in one view
  • Identify priority decisions and time-sensitive intersections
  • Build a clear question set for your professionals

Retirement and benefits decisions

Navigate U.S. retirement accounts from a Spain-based life.

  • 401(k), IRA, Roth considerations in a Spain context
  • Distribution sequencing and retirement runway planning
  • Social Security timing considerations

Account structure and provider fit

Understand how your accounts interact with cross-border realities.

  • Account structure review across institutions
  • U.S.-tax-sensitive investment considerations — educational framing only
  • Provider constraints and custody realities, planned in advance

Family and legacy coordination

Align your planning with your family's cross-border needs.

  • Beneficiaries, titling, and documentation readiness
  • Cross-border family planning considerations
  • Coordination with U.S. and local counsel when appropriate
How It Works

A simple process that respects complexity

1

Intro conversation

We start by identifying your residency reality, your account types, and the decision you are trying to make now.

2

Planning roadmap

You receive a practical roadmap that organizes priorities, decision sequencing, and coordination points. This website content is informational and not tax or legal advice.

3

Implementation support

If you move forward, we support planning implementation and coordination as circumstances change.

WealthFlow Snapshot

A 2-minute planning check

This educational tool highlights common cross-border decision areas and complexity drivers. It does not provide individualized advice.

$100K $500K $5M+
0% U.S. 70% U.S. 100% U.S.
$0 $250K $2M+
25 45 75

Preview your WealthFlow summary instantly.

About

Built for Americans living in Spain

Paratus USA is built for Americans navigating U.S. financial decisions while living in Spain. Our focus is planning clarity, decision sequencing, and coordination across jurisdictions.

If you already work with a gestoría, a Spanish tax adviser, a U.S. CPA, or legal counsel, we help you bring structure to the conversation so decisions are made in the right order.

FAQ

Common Questions

Many U.S. citizens and certain U.S. persons have U.S. filing and reporting obligations even while living abroad. Requirements vary based on status and circumstances. This website provides general information and is not tax advice.
Modelo 720 is a Spanish reporting requirement that may apply to certain Spanish tax residents with specified foreign assets. Whether it applies to you depends on your facts and residency position. Consult a qualified Spanish tax professional.
PFIC is a U.S. tax classification that can apply to certain non-U.S. pooled investments and may involve complex reporting and potentially unfavorable tax treatment. Consult a qualified U.S. tax professional.
We focus on organizing your financial picture, identifying decision points, and clarifying what questions to bring to your professionals. This website does not provide individualized investment, tax, or legal advice.
Fees depend on scope and complexity. We discuss scope after the intro conversation and provide clear next-step options.
Get Started

Request an introductory conversation

Tell us where you live in Spain and what decision you are trying to make. We will confirm next steps and whether a planning engagement is appropriate.

Disclosures

Advisory services in the United States are offered and provided through Beacon Global Advisor Network, LLC, a registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or education and does imply any regulatory authority has passed upon the firm or its advisors. Beacon Global Advisor Network, LLC and "Paratus" are unaffiliated. For disclosure information about Beacon Global Advisor Network, LLC click here. Paratus is a marketing name and is not licensed or registered to conduct advisory business.