When your financial life crosses the border, one plan has to account for two countries: two tax systems, two legal systems and two currencies. Puente Wealth is a fee-only fiduciary based in La Jolla, San Diego, offering cross-border planning in English or Spanish.
Families and business owners with ties to both countries tend to run into the same handful of questions. None of them are unusual, but each one is easier to handle when it's planned for in advance.
We don't prepare tax returns or give legal advice. Our role is to build the financial plan and keep everyone working from the same picture.
That means coordinating with your CPA or enrolled agent in the U.S., your contador in Mexico, and your attorneys or notario when legal documents are involved. When each professional can see how their piece fits the whole plan, fewer things fall through the cracks between two countries.
Cross-Border Planning Services →We bring together your accounts, property, income and documents from both countries in one place.
We help you understand what to ask your tax and legal professionals, and why it matters to your plan.
Conversations in English, Spanish or both, so family members and advisors on either side of the border stay on the same page.
Puente means bridge. The Crossing is our six-phase planning process, and for families with ties to Mexico, each phase considers both countries.
We learn about your goals, your family and your full financial picture, on both sides of the border.
We organize business and personal income and spending in dollars and pesos.
We build a portfolio around your goals, timeline and comfort with risk, with an eye on where your accounts are held.
We take a tax-aware approach and coordinate with your tax professionals in each country.
We review insurance and risk, and coordinate with your attorney and CPA on business structure.
We plan your estate and succession with your legal advisors in both countries.
No. We don't prepare taxes or give legal advice. We coordinate with your CPA or enrolled agent, your contador in Mexico, and your attorneys or notario so the financial plan and their work fit together.
The FBAR (FinCEN Form 114) is a U.S. report of foreign financial accounts. U.S. persons generally must file it when the combined value of their foreign accounts is more than $10,000 at any time during the year. It is a reporting requirement, not a tax, and your tax preparer can confirm whether it applies to you.
It's worth reviewing. Property in Mexico can raise questions about how it is held, how it passes to your heirs and what happens when it is sold. Looking at it as part of your overall plan helps avoid surprises later.
Yes. Puente Wealth Advisors, LLC is a fee-only fiduciary registered investment adviser with the California Department of Financial Protection and Innovation (DFPI). We are paid only by our clients, not through commissions.
Yes. Meetings can be in English, Spanish or both, so every family member can take part. Planning in Spanish →
Tell us about your accounts, property and family in each country. We'll explain how we work and whether we're a good fit.
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