Your retirement deserves a Plan B abroad
We guide Canadian, Spanish and Latin American retirees to live in Panama, Spain and other destinations where their money goes further, the climate is better and life simply is better — stress-free and by your side.
No commitment · Reply within 24 hours · Personalized guidance
International Mobility Specialist
Maria Laura Bertero
Over 25 years of experience
Founder of PLAN B TIME, Maria Laura Bertero is an international mobility specialist with over 25 years guiding families and professionals through their migration, residency and citizenship journeys.
She is a licensed Canadian immigration consultant and a member in good standing of the CICC (College of Immigration and Citizenship Consultants). She personally oversees every case, connecting clients with lawyers, banks, real estate agents and medical insurance providers in Panama and Spain.
“I'll help you make the move with the right information, contacts and a clear plan for your new life abroad.”
If you're nearing retirement, this is your moment
At PLAN B TIME we help retirees ready to make the leap: living abroad for quality of life, lower cost, tax advantages or simply a new climate. We take care of every detail so your transition is safe and smooth.
- Canadians, Spaniards and Latin Americans
- Couples and individuals looking to stretch their pension
- Those who prioritize health, climate and lifestyle
A better life, within reach
These are the reasons thousands of retirees choose to transform their retirement by living abroad.
Lower cost of living
Make your pension go much further with more affordable housing, healthcare and leisure without sacrificing quality.
Climate and lifestyle
Choose the climate and culture you want to enjoy every day during your golden years.
Tax advantages
Smart planning to optimize your taxes and pensions in your new country.
Healthcare system
Access to quality health systems, with adequate coverage and predictable costs.
New experiences
Community, culture and new horizons that keep your retirement active and fulfilling.
Security and support
Expert support at every step: visas, housing, banking and paperwork.
Your path to Plan B, step by step
A clear and supported process, from the first conversation to your new life abroad.
Free consultation
We talk about your needs, budget and retirement dreams.
Personalized plan
We design a relocation plan tailored to you with recommended destinations.
Paperwork management
We handle visas, residency, housing, healthcare and taxes.
Land with peace of mind
We support you upon arrival so you can start living stress-free.
Find your ideal country
We analyze cost of living, climate, healthcare, taxes and quality of life to recommend the destination that fits you best.
Panama
Modern skyscrapers, quality healthcare and retiree benefits.
Spain
Mediterranean climate, spectacular beaches and vibrant culture.
And much more
We evaluate your case to recommend the perfect destination for you.
Access to a quality healthcare system
Health comes first in your retirement. We help you understand and access the healthcare system in your new country, with proper coverage, trusted doctors and predictable costs.
- Guidance on health coverage and insurance
- Access to trusted clinics and specialists
- Management of medications and treatments
Take the first step toward your new life
Tell us a bit about yourself and an advisor will contact you within 24 hours with a personalized plan. No obligation and completely free.
Discover your best retirement option
Panama and Spain are waiting with destinations, costs and benefits designed for your new life. Pick the option that interests you most.
Ready to start living your retirement in Panama or Spain?
Book your free consultation today and discover your ideal destination. No obligation and no cost.