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Strategic financial planning for foreigners building a life in Mexico.
For residents with Temporary (RT) or Permanent (RP) Mexican residency. Bilingual advisory — Spanish & English — covering health insurance, life insurance, retirement, and education planning.
Why standard advice from your home country may not fit your Mexican life
If you have built — or are building — a life in Mexico with legal residency, you have access to financial products that often complement, and sometimes improve on, what your home country offers. But the products are designed under Mexican law, denominated in Mexican conventions, and most advisors who know them do not work in English.
A common gap: your foreign accountant understands your home jurisdiction; your Mexican notary understands Mexican law; nobody coordinates the middle — the financial structure that actually moves wealth, protects health, and handles succession across the two systems.
That coordination is what I do, in both languages.
What we typically structure together
Major Medical Insurance (GMM)
Premium Mexican carriers (BUPA, MetLife, Allianz) with access to the country's top private hospitals — Médica Sur, Hospital Ángeles, Christus Muguerza, Hospital ABC. Lower cost per procedure than equivalent US coverage. Often paired with your home-country plan rather than replacing it.
Life insurance with cross-border succession
With irrevocable beneficiary designation, proceeds bypass Mexican probate and reach your beneficiary directly. Especially valuable when your assets are in Mexico but heirs live abroad, or vice versa. Income-tax exempt for direct-family beneficiaries under Mexican law.
More on wealth planning →Personal Retirement Plans (PPR)
Mexican retirement plans with attractive tax treatment on both sides — annual deduction while you contribute, favorable payout treatment under Article 93 of the Income Tax Law. Available in MXN (inflation-adjusted), UDIS, or USD. Lifetime annuity or lump-sum payout — and inheritable.
More on retirement planning →Education plans for your children
In MXN for Mexican universities or USD for international study. Self-completing structure: if you pass away before your child finishes their studies, the plan completes itself with no additional contribution required.
How we work
1. Discovery call
We talk about your home jurisdiction, your Mexican residency status, your family, what you already have in place, and what you want to build. In English or Spanish — you choose.
2. Strategy design
I map the Mexican products that fit your situation, in coordination with what you already hold in your home country. No duplication, no gaps. You see the full picture before deciding anything.
3. Coordinated implementation
I coordinate directly with your Mexican accountant and, when useful, with your foreign tax advisor. Documents in Spanish (Mexican law) with English walkthroughs. Signatures via secure digital channels.
4. Ongoing review
Annual reviews and check-ins whenever your life shifts — change of residency status, new property, family change, planned return to your home country.
Frequently asked questions
Do I need Mexican residency to qualify for these products?
Yes. Mexican financial products covered here require legal residency status — either Residente Temporal (RT) or Residente Permanente (RP). Tourist visas do not qualify because contracting requires a CURP (Mexican tax ID) and proof of address. If you are in the process of obtaining residency, we can plan ahead so you are ready to contract once your status is approved.
I have a US health plan. Do I really need Mexican GMM?
For procedures you actually do in Mexico — generally yes. Mexican Major Medical Insurance (GMM) with carriers like BUPA, MetLife or Allianz gives you access to the country's top private hospitals (Médica Sur, Hospital Ángeles, Christus Muguerza, Hospital ABC) at a fraction of US costs. Many of my US-resident clients keep their stateside coverage for emergencies back home and add Mexican GMM as a complementary layer for elective procedures or in-country emergencies. We model the right mix together.
Are retirement plans (PPR) worth it for someone who may leave Mexico?
Worth analyzing case by case. PPRs (Planes Personales de Retiro) are most powerful for someone tributing in Mexico — Mexican fiscal residency or income from Mexican sources — because the annual income-tax deduction requires filing a Mexican return. If you may leave in 5 to 10 years, we evaluate options: maintain the plan with continued contributions, freeze contributions, or convert to a payout-aligned structure. The plan itself does not become void if you leave — it is the deduction benefit that depends on your fiscal residency. Mexican retirement plans qualifying under Article 93 of the Income Tax Law offer attractive tax treatment on the payout side, available in MXN (inflation-adjusted), UDIS, or USD.
How does cross-border succession work with Mexican life insurance?
A Mexican life insurance policy with irrevocable beneficiary designation creates a strong advantage under Mexican law (Article 179 of Ley sobre el Contrato de Seguro): the beneficiary acquires a derecho propio — a right of their own arising from the insurance contract itself, not from inheritance. The proceeds do not enter the Mexican estate, so they bypass Mexican probate and reach the beneficiary directly, usually within weeks. How your home country treats the proceeds depends on its own succession law, but the Mexican leg is clean and direct. Especially valuable for foreigners with assets in Mexico whose heirs may live elsewhere — or vice versa.
Can you advise me in English?
Yes. I work bilingually — Spanish and English — with clients from the US, Europe, and Latin America. All formal documents (policies, fiscal receipts, regulatory paperwork) are issued in Spanish because Mexican law requires it, but I walk you through each document in English and answer your questions in whichever language you prefer. I am MDRT Top of the Table and ranked 8th nationally by AMASFAC — credentials I earned advising clients across both languages.
What if I leave Mexico in 5 or 10 years — can I keep the plans?
Yes, with some structural adjustments. Life insurance and GMM typically remain active as long as you keep paying premiums and maintain your Mexican CURP/RFC. PPR retirement plans stay in your name, but the income-tax deduction benefit ends if you lose Mexican fiscal residency — you would then evaluate whether to continue contributing or freeze the plan. Education plans for your children continue regardless of where you live. We schedule reviews aligned with major life changes, and moving back home is one of them.
Related audiences
You may also relate to these situations
Mexicanos en el extranjero
The mirror case — Mexican nationals living in the US, Europe, or Canada who still hold patrimony or family in Mexico (page in Spanish).
Wealth planning & succession
Detailed pillar on patrimonial planning, irrevocable beneficiary designation, and family-office coordination (page in Spanish).
Retirement planning in Mexico
Deep dive on PPR retirement plans and Article 93 LISR tax treatment (page in Spanish).
Three ways to start
Advisory available in Spanish or English. No commitment to the first conversation.