{"id":5545,"date":"2024-04-29T16:13:35","date_gmt":"2024-04-29T21:13:35","guid":{"rendered":"https:\/\/expatsmags.com\/?p=5545"},"modified":"2024-04-29T17:10:06","modified_gmt":"2024-04-29T22:10:06","slug":"cover-story-expats-its-time-for-a-financial-check-up","status":"publish","type":"post","link":"https:\/\/expatsmags.com\/index.php\/2024\/04\/29\/cover-story-expats-its-time-for-a-financial-check-up\/","title":{"rendered":"COVER STORY &#8211; Expats, It\u2019s Time for a Financial Check-up!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5545\" class=\"elementor elementor-5545\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10530f7 e-flex e-con-boxed e-con e-parent\" data-id=\"10530f7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dab69a elementor-widget elementor-widget-heading\" data-id=\"8dab69a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Sound Advice from New Century Planning of Ecuador.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afd0afa elementor-widget elementor-widget-text-editor\" data-id=\"afd0afa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>By Ed Lindquist<br \/>Photos by New Century Planning<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a96491c e-flex e-con-boxed e-con e-parent\" data-id=\"a96491c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2024959 e-con-full e-flex e-con e-child\" data-id=\"2024959\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-894c88d elementor-widget elementor-widget-image\" data-id=\"894c88d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"236\" src=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2021\/08\/New-Century-FINAL-Logo.png\" class=\"attachment-large size-large wp-image-2525\" alt=\"New Century Planning\" srcset=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2021\/08\/New-Century-FINAL-Logo.png 800w, https:\/\/expatsmags.com\/wp-content\/uploads\/2021\/08\/New-Century-FINAL-Logo-300x89.png 300w, https:\/\/expatsmags.com\/wp-content\/uploads\/2021\/08\/New-Century-FINAL-Logo-768x227.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d48d5c6 elementor-widget elementor-widget-text-editor\" data-id=\"d48d5c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u201cThe times they are a-changin\u2019.\u201d What was predicted by these lyrics penned in the 1960\u2019s is even more accurate today. Just think back over the last couple of years. And, even more significant changes are coming to the economy and markets-and society at large. Most expats in Ecuador still have assets in their home country. Like many of us, they have put these investments on auto-pilot: following the same \u201ccookie-cutter\u201d or \u201cpie chart\u201d financial advice for years.<\/p><p>New Century Planning Associates, with an The international office in Ecuador believes expats should receive the same professional financial advice as they would in their home country.<\/p><p>New Century Planning recognizes the unique needs of the expat community and therefore, highly recommends a financial check-up at this time. A review of your income, taxes, investment and estate planning strategies is in order to ensure you meet your specific needs in this rapidly changing environment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-106ad42 elementor-widget elementor-widget-heading\" data-id=\"106ad42\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Financial Check-up<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf97992 elementor-widget elementor-widget-text-editor\" data-id=\"cf97992\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Let\u2019s look at a list of some of the items New Century Planning recommends reviewing periodically in retirement-and more urgently now:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3802fa e-con-full e-flex e-con e-child\" data-id=\"d3802fa\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28622b0 elementor-widget elementor-widget-image\" data-id=\"28622b0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-819x1024.jpg\" class=\"attachment-large size-large wp-image-5554\" alt=\"COVER STORY \u2013 Expats, It\u2019s Time for a Financial Check-up! - New Century Planning\" srcset=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-819x1024.jpg 819w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-240x300.jpg 240w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-768x960.jpg 768w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-1229x1536.jpg 1229w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-1638x2048.jpg 1638w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/photo-3-scaled.jpg 2048w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d3c35 elementor-widget elementor-widget-text-editor\" data-id=\"e0d3c35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><br \/>\u2022 Do you have enough income? Do you have too much money in cash equivalents at very low yields? By the same token, do you have too much money in accounts or vehicles with suspiciously high yields? If so, be careful. There is no free lunch in the world of fixed income and yields.<\/p><p>Unfortunately, in the US markets, over the past 12 years, \u201csafe\u201d has meant accepting terribly low yields, and \u201cproductive\u201d has implied needing to accept the risks of the stock market. There are solutions to this.<\/p><p>\u2022 Tax planning-Consider ROTH conversions while tax rates are still at historically attractive rates, until 12\/31\/25. ROTH conversions can lead to significant tax-free income for life.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-999d47d e-flex e-con-boxed e-con e-parent\" data-id=\"999d47d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cee17 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"d9cee17\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 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var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-wave\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M621.16 54.46C582.37 38.19 543.55 32 504.75 32c-123.17-.01-246.33 62.34-369.5 62.34-30.89 0-61.76-3.92-92.65-13.72-3.47-1.1-6.95-1.62-10.35-1.62C15.04 79 0 92.32 0 110.81v317.26c0 12.63 7.23 24.6 18.84 29.46C57.63 473.81 96.45 480 135.25 480c123.17 0 246.34-62.35 369.51-62.35 30.89 0 61.76 3.92 92.65 13.72 3.47 1.1 6.95 1.62 10.35 1.62 17.21 0 32.25-13.32 32.25-31.81V83.93c-.01-12.64-7.24-24.6-18.85-29.47zM48 132.22c20.12 5.04 41.12 7.57 62.72 8.93C104.84 170.54 79 192.69 48 192.69v-60.47zm0 285v-47.78c34.37 0 62.18 27.27 63.71 61.4-22.53-1.81-43.59-6.31-63.71-13.62zM320 352c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 27.78c-17.52-4.39-35.71-6.85-54.32-8.44 5.87-26.08 27.5-45.88 54.32-49.28v57.72zm0-236.11c-30.89-3.91-54.86-29.7-55.81-61.55 19.54 2.17 38.09 6.23 55.81 12.66v48.89z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2fa743 e-flex e-con-boxed e-con e-parent\" data-id=\"e2fa743\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-22b6040 e-con-full e-flex e-con e-child\" data-id=\"22b6040\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddcde56 elementor-widget elementor-widget-text-editor\" data-id=\"ddcde56\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u2022 Do you have too much money in the stock market-including mutual funds or ETFs? Should you reduce your risk levels with the US markets up near all-time highs? Can you get through a crash that can or may take 5-10 years to recover? The US markets have been artificially \u201cstimulated\u201d and supported over the past 10-12 years by the Federal Reserve, and its near 0% interest rate policies.<\/p><p>The markets have not suffered any serious or sustained corrections in over 12 years. This is neither normal nor healthy. While no one looks forward to a negative or down cycle, they are natural and necessary for future growth to occur, and we may be very overdue at this point.<\/p><p>\u2022 While inflation in Ecuador has actually been quite tame in recent years (up 1.47% year over year by October of \u201921), it is accelerating noticeably in the United States, and expats who maintain homes or budgets stateside will certainly be feeling some of the effects of this higher inflation, even as their Ecuadorian budget may remain comfortable for now.<\/p><p>More importantly, because Ecuador also uses the US dollar as its official currency, a significant loss of purchasing power tied to excessive money printing or raw material shortages or bottlenecks will affect expats as well.<\/p><p>Social Security beneficiaries are about to receive the largest cost-of-living adjustment COLA) in nearly 40 years, at 5.9%, but the most recent annual inflation reading just came in at 6.2%, and Medicare Part B premiums are going up over 14% in 2022! Do you have non-correlated, or inflation hedge alternative assets in place?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59b1a1c e-con-full e-flex e-con e-child\" data-id=\"59b1a1c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6be5a7 elementor-widget elementor-widget-text-editor\" data-id=\"d6be5a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u2022 Have you taken any steps to protect your identity? Incredibly, in September of 2019, a database leak in Ecuador led to almost every citizen in the country having their personal data exposed online. Then, more recently, in mid-October of 2021, Banco Pinchincha, the largest bank in Ecuador, was hacked, and ATMs and online services were interrupted for a few days.<\/p><p>It is imperative for all expats to have in place an identity theft plan that not only alerts them to potential breaches, but which also offers professional restoration services that are guaranteed to bring the victim\u2019s identity back to pre-breach status.<\/p><p>\u2022 Do you have proper and up-to-date estate planning documents in place? Depending on the country, expats need to be aware that their US documents may not be accepted or do what they want or need them to do in their chosen retirement country.<\/p><p>New documents that comport with the governmental rules and regulations of that nation must be in place and integrated into the overall estate plan. While this might seem complicated, or like an unnecessary expense, it is highly recommended. Things do happen.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f0b0f elementor-widget elementor-widget-image\" data-id=\"a2f0b0f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2-1024x682.jpg\" class=\"attachment-large size-large wp-image-5555\" alt=\"COVER STORY \u2013 Expats, It\u2019s Time for a Financial Check-up! - New Century Planning\" srcset=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2-1024x682.jpg 1024w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2-300x200.jpg 300w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2-768x512.jpg 768w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2-1536x1023.jpg 1536w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-2.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cd37d5 e-flex e-con-boxed e-con e-parent\" data-id=\"3cd37d5\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d80c699 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"d80c699\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-wave\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M621.16 54.46C582.37 38.19 543.55 32 504.75 32c-123.17-.01-246.33 62.34-369.5 62.34-30.89 0-61.76-3.92-92.65-13.72-3.47-1.1-6.95-1.62-10.35-1.62C15.04 79 0 92.32 0 110.81v317.26c0 12.63 7.23 24.6 18.84 29.46C57.63 473.81 96.45 480 135.25 480c123.17 0 246.34-62.35 369.51-62.35 30.89 0 61.76 3.92 92.65 13.72 3.47 1.1 6.95 1.62 10.35 1.62 17.21 0 32.25-13.32 32.25-31.81V83.93c-.01-12.64-7.24-24.6-18.85-29.47zM48 132.22c20.12 5.04 41.12 7.57 62.72 8.93C104.84 170.54 79 192.69 48 192.69v-60.47zm0 285v-47.78c34.37 0 62.18 27.27 63.71 61.4-22.53-1.81-43.59-6.31-63.71-13.62zM320 352c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 27.78c-17.52-4.39-35.71-6.85-54.32-8.44 5.87-26.08 27.5-45.88 54.32-49.28v57.72zm0-236.11c-30.89-3.91-54.86-29.7-55.81-61.55 19.54 2.17 38.09 6.23 55.81 12.66v48.89z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57dda2d e-flex e-con-boxed e-con e-parent\" data-id=\"57dda2d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66c978d e-con-full e-flex e-con e-child\" data-id=\"66c978d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b36c12 elementor-widget elementor-widget-heading\" data-id=\"8b36c12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">New Century Planning-Experienced,\nCapable and Caring<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-706f29a elementor-widget elementor-widget-text-editor\" data-id=\"706f29a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>New Century Planning Associates is a full-service financial firm comprised of several experienced professionals who came together many years ago to work as a team. New Century Planning\u2019s team of CPAs, CFPs, attorneys, insurance and investment pros are independent, and can therefore \u201cshop the market\u201d for their clients in order to provide first class, professional and comprehensive solutions across a wide array of financial planning needs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73f4b24 e-con-full e-flex e-con e-child\" data-id=\"73f4b24\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41e6f71 elementor-widget elementor-widget-image\" data-id=\"41e6f71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1-1024x682.jpg\" class=\"attachment-large size-large wp-image-5556\" alt=\"\" srcset=\"https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1-1024x682.jpg 1024w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1-300x200.jpg 300w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1-768x512.jpg 768w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1-1536x1023.jpg 1536w, https:\/\/expatsmags.com\/wp-content\/uploads\/2024\/04\/Photo-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9290be elementor-widget elementor-widget-text-editor\" data-id=\"d9290be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>New Century Planning has a focus on education, communication and listening attentively to client needs and concerns.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab3f0e7 e-flex e-con-boxed e-con e-parent\" data-id=\"ab3f0e7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-511ee07 e-con-full e-flex e-con e-child\" data-id=\"511ee07\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c3aedb elementor-widget elementor-widget-heading\" data-id=\"9c3aedb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">An Ecuadorian Office Just for Expats<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ce6d45 elementor-widget elementor-widget-text-editor\" data-id=\"1ce6d45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There are over nine million US citizens living overseas. Even though they are now \u201cexpats,\u201d most still need sound financial advice that can maintain their income streams, manage their tax liabilities and address long-term care risks and legacy planning. Proper retirement and financial planning are even more necessary now with the complex and uncertain global geographical outlook and the record debt and money printing that is occurring.<\/p><p>To keep up with this US diaspora, New Century Planning has gone international. New Century\u2019s first step in this strategy was to form its first international division: New Century Planning of Ecuador. Ecuador has long been rated as one of the best retirement destinations and is home to over 20,000 North American expats. Ecuador is the perfect size for New Century to test its various service offerings to meet the needs of an expat community, while at the same time looking for ways to serve the broader Ecuadorian community. In addition, Ecuador offers many potential investment opportunities that New Century can provide for its US clients.<\/p><p>\u201cBefore choosing Ecuador as our international first step,\u201d explains Robert Ryerson, President of New Century, \u201cwe had been exploring the business opportunities there since 2015, making eight trips to the country.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebfc490 e-con-full e-flex e-con e-child\" data-id=\"ebfc490\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e8de3a elementor-widget elementor-widget-text-editor\" data-id=\"0e8de3a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Already, this move is paying off. Not only do we have new expat clients, but also, we have a growing interest in our services from the broader Ecuadorian community. Also, we have discovered some attractive and potentially very profitable investment opportunities for our North American clients, including buying precious metals below spot prices, growing and exporting vanilla (world\u2019s second most expensive spice), and seeing great prices for new beachfront condos.<\/p><p>In addition, we have made many useful networking connections for the future within the expat and Ecuadoran business communities. We couldn\u2019t be happier going international.\u201d \u201cMy mother tongue is Spanish,\u201d adds New Century\u2019s Vice President and Treasurer Louis Terrero, \u201cand I have a great love for the people and culture of Latin America. We\u2019re finding some of the services we offer our current clients translate easily to the needs of Ecuador. Expats and Ecuadorians alike need information on how to diversify and hedge their portfolios with precious metals, keeping up with new investment trends such as cryptocurrency, and of course, protecting themselves from identity theft-areas of expertise for us and our 35 years as certified financial professionals.\u201d<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0724d6 e-flex e-con-boxed e-con e-parent\" data-id=\"e0724d6\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e1cffa elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"0e1cffa\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-wave\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M621.16 54.46C582.37 38.19 543.55 32 504.75 32c-123.17-.01-246.33 62.34-369.5 62.34-30.89 0-61.76-3.92-92.65-13.72-3.47-1.1-6.95-1.62-10.35-1.62C15.04 79 0 92.32 0 110.81v317.26c0 12.63 7.23 24.6 18.84 29.46C57.63 473.81 96.45 480 135.25 480c123.17 0 246.34-62.35 369.51-62.35 30.89 0 61.76 3.92 92.65 13.72 3.47 1.1 6.95 1.62 10.35 1.62 17.21 0 32.25-13.32 32.25-31.81V83.93c-.01-12.64-7.24-24.6-18.85-29.47zM48 132.22c20.12 5.04 41.12 7.57 62.72 8.93C104.84 170.54 79 192.69 48 192.69v-60.47zm0 285v-47.78c34.37 0 62.18 27.27 63.71 61.4-22.53-1.81-43.59-6.31-63.71-13.62zM320 352c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 27.78c-17.52-4.39-35.71-6.85-54.32-8.44 5.87-26.08 27.5-45.88 54.32-49.28v57.72zm0-236.11c-30.89-3.91-54.86-29.7-55.81-61.55 19.54 2.17 38.09 6.23 55.81 12.66v48.89z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42a7a18 e-flex e-con-boxed e-con e-parent\" data-id=\"42a7a18\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-17c9bf3 e-con-full e-flex e-con e-child\" data-id=\"17c9bf3\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e35cf9c elementor-widget elementor-widget-text-editor\" data-id=\"e35cf9c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dr. Jose Julian Cao-Alvira, a recent addition to the New Century Team, and a Certified Financial Planner, added, \u201cWe are suggesting that all of our clients, including expats, get at least a small portion of their money out of the US dollar, and into attractive non-dollar inflation hedges, such as gold and silver, foreign bonds, and crypto-currencies. In addition to serving as much needed portfolio diversifiers, we believe that the precious metals and larger cryptos offer very significant upside potential, and may easily outpace stocks over the next 5-10 years or more.\u201d<\/p><p><br \/>New Century\u2019s longer-term international goal is to follow US citizens relocating to Latin America, and to offer them the same professional advice they were used to receiving back home.They will also offer these same services to the citizens of each country. After Ecuador, plans are to open offices in Mexico, Belize, Costa Rica, and Panama.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac60f00 e-con-full e-flex e-con e-child\" data-id=\"ac60f00\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4ab630 elementor-widget elementor-widget-text-editor\" data-id=\"d4ab630\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4><strong>New Century Planning in Colombia<\/strong><\/h4><p>Pictured is of Dr. Jose J. Cao-Alvira during the launch of the Doctorate Program in Business and Innovation of PRIME Business School of the Universidad Sergio Arboleda in Bogot\u00e1, Colombia. The Doctorate Program aspires to form the next generation of professionals and researchers contributing to the innovation and business andscape in Colombia and Latin America.<\/p><p>The Program is the first of its kind in Latin America and is offered jointly with the Universidad de Salamanca in Spain. Dr. Cao-Alvira is the founding Chair of the Doctoral Program and serves on its Board of Advisors. The event included interventions from important academic and public policy figures in Colombia; including Jonathan Malag\u00f3n, Minister of Housing and Development, and Ernesto Lucena, former Minister of Sports and current Dean of PRIME Business School.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ada0d43 e-flex e-con-boxed e-con e-parent\" data-id=\"ada0d43\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ddfebf elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"3ddfebf\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-wave\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M621.16 54.46C582.37 38.19 543.55 32 504.75 32c-123.17-.01-246.33 62.34-369.5 62.34-30.89 0-61.76-3.92-92.65-13.72-3.47-1.1-6.95-1.62-10.35-1.62C15.04 79 0 92.32 0 110.81v317.26c0 12.63 7.23 24.6 18.84 29.46C57.63 473.81 96.45 480 135.25 480c123.17 0 246.34-62.35 369.51-62.35 30.89 0 61.76 3.92 92.65 13.72 3.47 1.1 6.95 1.62 10.35 1.62 17.21 0 32.25-13.32 32.25-31.81V83.93c-.01-12.64-7.24-24.6-18.85-29.47zM48 132.22c20.12 5.04 41.12 7.57 62.72 8.93C104.84 170.54 79 192.69 48 192.69v-60.47zm0 285v-47.78c34.37 0 62.18 27.27 63.71 61.4-22.53-1.81-43.59-6.31-63.71-13.62zM320 352c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 27.78c-17.52-4.39-35.71-6.85-54.32-8.44 5.87-26.08 27.5-45.88 54.32-49.28v57.72zm0-236.11c-30.89-3.91-54.86-29.7-55.81-61.55 19.54 2.17 38.09 6.23 55.81 12.66v48.89z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be93728 e-flex e-con-boxed e-con e-parent\" data-id=\"be93728\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-804b8db e-con-full e-flex e-con e-child\" data-id=\"804b8db\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31439d0 elementor-widget elementor-widget-text-editor\" data-id=\"31439d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Call or Click Today for a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed9bd60 elementor-widget elementor-widget-heading\" data-id=\"ed9bd60\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">FREE Consultation<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd31a5e elementor-widget elementor-widget-text-editor\" data-id=\"fd31a5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Start your Financial Check-Up today. Call or click for a FREE consultation.<\/p><p>Phone: +1-732-702-2777 or<br \/>email: rryerson@newcenturyplanning.com<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beca8dd elementor-widget elementor-widget-text-editor\" data-id=\"beca8dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Remember each month, New Century Planning<br \/>provides expats with up to date information they need to know about their finances. Only found in Cuenca Expats Magazine. Look for \u201cExpats and their Finances\u201d in the next issue.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28906f2 elementor-widget elementor-widget-google_maps\" data-id=\"28906f2\" data-element_type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-google_maps .elementor-widget-container{overflow:hidden}.elementor-widget-google_maps .elementor-custom-embed{line-height:0}.elementor-widget-google_maps iframe{height:300px}<\/style>\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=83%20South%20St%2C%20Freehold%2C%20NJ%2007728%20USA&#038;t=m&#038;z=10&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"83 South St, Freehold, NJ 07728 USA\"\n\t\t\t\t\taria-label=\"83 South St, Freehold, NJ 07728 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By Ed LindquistPhotos by New Century Planning \u201cThe times they are a-changin\u2019.\u201d What was predicted by these lyrics penned in the 1960\u2019s is even more accurate today. Just think back over the last couple of years. And, even more significant changes are coming to the economy and [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,407],"tags":[275,122,408,113],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/posts\/5545"}],"collection":[{"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/comments?post=5545"}],"version-history":[{"count":28,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/posts\/5545\/revisions"}],"predecessor-version":[{"id":5750,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/posts\/5545\/revisions\/5750"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/media\/5547"}],"wp:attachment":[{"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/media?parent=5545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/categories?post=5545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expatsmags.com\/index.php\/wp-json\/wp\/v2\/tags?post=5545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}