BUILD YOUR PLAN B
Plan B first.
Structure follows.
Lock in residency now. Build your tax structure later.
What's My Plan B?Most visitors land here for one of these reasons:
Are you worried about where your country is heading and want a backup plan?
Not ready to relocate yet, but want a Plan B secured before residency rules tighten?
Want residency now so your family has a real path to a second passport later?
Tired of paying tax on income you earn abroad?
What's your exit if the next election goes the wrong way?
Are you a retiree wondering if your pension goes further somewhere with built-in senior benefits?
If any of this sounds familiar, you're in the right place.
Meet the founder
Hi, I'm Michael.
If you're sitting at your kitchen table wondering whether to set up a Plan B before things change at home, I've been where you are. Five years and two residencies later, I'm now on the other side of every step you're about to take.
I started moving between countries before I had any say in it. My father served as a Canadian Ambassador. I grew up changing schools and languages every few years, learning to settle into a country you didn't pick. From both the child's side and the parent's side, I know what relocation actually looks like. Two decades and 300+ transactions later as a dual-licensed broker across Ontario and Quebec, I've spent my career helping clients move between legal systems, languages, and provinces.
If I could do this, anyone with reasonable means can. Residency shouldn't only be for the very few or for high-net-worth clients. I built this to do it right, honestly, and as accurately as possible. If you're somewhere in that process, whether you're ready to move tomorrow or want a Plan B locked in for later, I'm here to walk you through it.
- Permanent resident of Panama and Paraguay (5+ years on the ground)
- 20 years as a dual-licensed real estate broker across Ontario and Quebec, navigating two legal systems and two languages with relocating clients
- Comfortable across cultures, languages, and legal systems · Trilingual EN / FR / ES · MBA International Business
Why Panama.
Why Paraguay.
What life looks like. Why it works.
What's my Plan B?
Nine pathways. Two tracks.
Some paths grant permanent residency directly. Others reach it after two years.
Panama
PanamaFriendly NationsForm your own company
Investment: None·Incorporate · Aviso de Operaciones
Form your own company
Investment: None·Incorporate · Aviso de Operaciones
PanamaFriendly NationsPlacement in existing company
Investment: None·Hiring · Letter of acceptance
Placement in existing company
Investment: None·Hiring · Letter of acceptance
PanamaFriendly Nations$200K real estate or deposit
$200K+·Economic solvency path
$200K real estate or deposit
$200K+·Economic solvency path
Paraguay
ParaguayMost flexibleNo investment required
Investment: None·0% foreign income tax
No investment required
Investment: None·0% foreign income tax
Panama
PanamaDirect$1,000/month pension
Investment: None·Pensionado · +$250/mo for spouse
$1,000/month pension
Investment: None·Pensionado · +$250/mo for spouse
Italy → PanamaItalians onlyItaly-Panama treaty
Investment: None·Italian passport direct path
Italy-Panama treaty
Investment: None·Italian passport direct path
Expires Oct 15, '26PanamaDirectQualified Investor
$300K+·Decree 722 fast-track · 5-year hold
Qualified Investor
$300K+·Decree 722 fast-track · 5-year hold
Paraguay
ParaguayDirect$1,300/month pension
Investment: None·Jubilado · lifetime pension proof
$1,300/month pension
Investment: None·Jubilado · lifetime pension proof
ParaguayDirectSUACE investor
$70K+·Paraguay's direct investor path
SUACE investor
$70K+·Paraguay's direct investor path
New 2026ParaguayInvestor PassThree new investment routes
$150K–$200K·Stocks, real estate, or tourism · Newly published 2026
Three new investment routes
$150K–$200K·Stocks, real estate, or tourism · Newly published 2026
Why Plan B Expat?
Guidance from someone who has done it.
Practical residency strategy backed by real in-country experience. A clear process, proper compliance, and honest timelines from start to finish.
Trilingual
EN / FR / ES
Dual Permanent Resident
Paraguay & Panama
Firsthand Experience
In-country, not theoretical
Latest from the blog
Paraguay Investor Pass: $150K, No 2-Year Wait
Paraguay just opened three new routes to direct permanent residency: $150K in tourism, $200K in real estate, or $200K in the local stock exchange. No two-year provisional period. No job creation. Here is what the government actually announced, what is still being clarified, and how it compares to the existing $70K SUACE route.
Moving to Panama? CRA Taxes You on the Way Out
Canada taxes you on your way out. Panama doesn't tax foreign income. Here's how to make the move without getting burned by either country.
Why Paraguay? The Honest Case for a Residency Nobody Talks About
Paraguay is landlocked, lesser known, and nobody's first pick for a second residency. That's exactly why it works for a specific kind of person. Here's the honest case, minus the paradise brochure language.
Frequently Asked Questions
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