Victor Gersten, EA, CFP®, M.S., MPAS™
Financial Planning Expert for American Expats in Spain | Fee-Only | Fiduciary
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Serving Clients Nationwide
Financial Planning Expert for American Expats in Spain | Fee-Only | Fiduciary
Areas of Focus
- Cash Flow
- Estate Planning
- Financial Planning
- International and Cross-border Planning
- Investment Management
- Retirement Income Planning
- Retiring Early (F.I.R.E)
- Tax-Efficient Planning
About Victor Gersten, EA, CFP®, M.S., MPAS™
Hi, I'm Victor Gersten, Founder of Cross Border Wealth Advisors.I founded Cross Border Wealth Advisors in 2020 after recognizing a clear gap: most financial advisors simply aren't equipped to handle the layered complexity faced by Americans living abroad. I set out to build a firm that could.
With over 19 years of financial services experience, I hold two master's degrees - one in global business from the University of San Diego (USD) and one in personal financial planning from the College for Financial Planning. I am both a Certified Financial Planner® and an IRS Enrolled Agent, giving me the rare ability to coordinate investment strategy and cross-border tax planning under one roof.
Raised in Mexico City by a single mother, I have lived in Italy, Spain, Mexico, and the United States. That lived experience across borders shapes everything about how I approach client relationships - with empathy, precision, and a genuine understanding of what it means to manage finances from afar. I also teach finance at the university level.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Enrolled Agent (EA)
- Master Planner Advanced Studies (MPAS)
Affiliations
-
CFP Board
- Fee Only Network
Primary Location
3650 Wightman Street, San Diego, CA 92104
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- One-time Financial Plan
- Percentage of Assets Managed
What to expect in the first meeting
Whether you're planning a move to Spain, already living there, or trying to make sense of a cross-border tax situation — we're here to help. Click the 'Book Intro Call' button above to get in touch and schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About Cross Border Wealth Advisors
Cross Border Wealth Advisors is a fee-only fiduciary firm offering multilingual service in English and Spanish, built specifically to help US citizens living in Spain manage their finances efficiently.Who We Serve
We work with US citizens and green card holders who have meaningful financial ties to Spain, including professionals, retirees, and business owners living full- or part-time abroad. We maintain a deliberately limited client roster to preserve the depth and quality of service each client receives.
Our Services
As an independent advisory firm with fiduciary responsibility, our main service is financial planning, with the option to add on portfolio management and tax preparation. We coordinate US and Spanish tax planning, simulations, and filing, and client assets are held in custody at Charles Schwab using low-cost investments such as ETFs and no-load mutual funds.
Why Work With Us
Coordinated investment & tax planning: One firm, one strategy - investments and taxes decided together, not in silos.
Strategies to reduce taxes over time: Treaty-aware planning that considers both IRS and Spanish tax systems over decades, not just this year.
Better decision-making: Clarity across retirement, income, and investment choices so you act with confidence.
Fewer surprises at tax time: Proactive preparation means no April scrambles and no unexpected bills from either country.
We are legally bound to work only for you, the client, not in the interest of any investment bank or third party. We earn no commissions, referral fees, or product-based compensation of any kind, and we coordinate with outside counsel and other independent professionals as client situations require.
Education
University of San Diego (USD), Master's Degree, Global Business | College for Financial Planning, Master's Degree, Personal Financial Planning
Hobbies and Interests
- Family
- Traveling
SEC Lookup
View DisclosureWho We Serve
- Americans Living Abroad
- Business Owners
- Corporate Executives
- Entrepreneurs
- Expats
- Financial Independence Retire Early (FIRE)
- Living in Retirement
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Patient, thorough financial planning
Very clear and complete financial planning
Flexible, knowledgeable and very responsive
Outstanding Comprehensive Service
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FAQs
FAQ Disclosures
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