We guide every step of your international mobility plan
From your first profile evaluation to opening a bank account in your chosen country. We work with a multidisciplinary team to make your relocation planned, organized and successful.
Certified Immigration Consultant
Maria Laura Bertero
I'm Maria Laura Bertero, founder of PLAN B TIME, with over 28 years dedicated to the world of international mobility. I have built my own life across three countries: I'm a Canadian, Italian, and Ecuadorian citizen, and I'm currently processing my Panamanian residency. I live throughout the year between Panama, Canada and Spain.
Life put me on the path of international-mobility advisory, and over the years I learned to enjoy the possibilities an extra passport or residency gives us. I firmly believe one should not cling to a single country: being a citizen of the world is a way of life. That's why I focus on planned, organized processes that bring more quality of life and happiness to those who trust us.
Our working process
A clear, step-by-step methodology so you know exactly what to expect at every stage.
Profile evaluation
Our representative agents analyze your personal, financial and family profile to understand your current situation and recommend the residency or citizenship program that best fits your goals.
Option walkthrough
We present the alternatives available for your profile — Panama, Spain or other destinations — with their advantages, requirements, timelines and costs. We answer all of your questions before moving forward.
Meeting with specialized lawyers
We schedule a meeting with Panamanian and Spanish lawyers from our team to review your case in depth, validate your eligibility and design a tailored migration strategy.
Document checklist and forms
You'll receive a personalized checklist of all required documents and we'll help you correctly fill in the official forms, avoiding mistakes that delay the process.
Notarization, apostilles and translations
We guide you step by step through notarization, apostille (Hague Convention) and certified translation of your documents, with clear instructions according to the destination country.
Banking connections
We connect you with banking partners in Panama and Spain to open local accounts, manage international transfers and meet the financial requirements of the migration process.
Real estate: purchase and rental
We connect you with trusted real-estate professionals in both countries to help you find your ideal home, whether to buy or rent, before and after your move.
Health insurance
We guide you on the best private health-insurance options in Panama and Spain, adapted to your age, health profile and budget, so you're covered from day one.
Exploratory visits to Panama
We organize exploratory trips to Panama so you can see firsthand the recommended areas, the services available and everyday life before making the final decision.
A multidisciplinary team at your service
We work with lawyers specialized in each country, representative agents, and banking, real-estate and insurance partners to cover every aspect of your move.
Lawyers in Panama and Spain
Attorneys admitted to the bar in each country, with proven experience in residency, citizenship and investment programs. They represent your case before the migration authorities.
Representative agents
They are your first point of contact and your right hand throughout the process. They evaluate your profile, walk you through the options and coordinate every step with the rest of the team.
Strategic partners
Banks, real-estate agencies, insurance providers and certified translators in Panama and Spain, all vetted and with whom we have sustained working relationships.
Ready to start your plan?
Request a free consultation and we'll evaluate your profile to recommend the best path to your new destination.