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As Your Second Option



Our Service Packages​

We offer a range of packages, each tailored to suit your specific needs and peace of mind.

Panama + Paraguay ID Card in 10 Days

Requirements: 10 days in total, 2 days in Paraguay + Notarized Documents
Premium Economy Fly Tickets
Personal Chauffeur
Luxury Hotel with Daily Breakfast
Bank Account Setup
Company Incorporation
Expert Legal Support
Professional Accounting Services
Complete Property Acquisition Support

Panama Residency + Property Tour

Requirements: 10 days in Panama + Notarized Documents
Premium Economy Fly Tickets
Personal Chauffeur
Luxury Hotel with Daily Breakfast
Bank Account Setup
Company Incorporation
Expert Legal Support
Professional Accounting Services
Comprehensive Real Estate Tour
Complete Property Acquisition Support

Panama Residency + Property Tour

Requirements: 10 days in Panama + Notarized Documents
24/7 Support

No-Visit Panama Real Estate

Requirements: Two Identification Documents + 20-30% Down Payment of the Property Value
Up to 30% ROI
Prime Property Showcase
Premium Urban/Nature Locations
Included Property Management
Document Shipping
Stable Currency Diversification
In-House Legal Support

Investment Opportunities

Panama's real estate market offers enticing opportunities, characterized by its booming demand for residential and commercial properties, especially in cosmopolitan areas. Investors benefit from Panama's competitive real estate pricing, promising a higher return on investment. The country's strategic position as a gateway between North and South America, combined with the Panama Canal, makes it a prime location for businesses and trade. Additionally, Panama's stable economy and welcoming attitude towards foreign investors, including favorable property ownership laws, make it an attractive destination for real estate investment.

Modern City Center Loft
3 bedrooms
2.5 bathrooms
Example property, details not final.
Beachfront Caribbean Villa
5 bedrooms
4.5 bathrooms
Example property, details not final.
Beachfront Pacific Villa
4 bedrooms
3.5 bathrooms
Example property, details not final.
Private Island
Ultimate Privacy
Endless Possibilities
Example property, details not final.
Beauty Salon
Active Business
Fully Equipped
Example property, details not final.
Coffee Plantation
Active Business
Example property, details not final.
Car Wash
Active Business
Existing Clients
Example property, details not final.
Kids Fun Park
Active Business
Fully Equipped
Example property, details not final.
Restaurant & Club
Active Business
Fully Equipped
Example property, details not final.
Beachfront Restaurant
Active Business
Suppliers & Employees
Example property, details not final.

We Take Care of Every Aspect

Complete Personal & Family Setup: ID, Insurance, Education, Healthcare

Buy Tropical Property From Your Home

Top-Tier Lawyers & Accountants

Business & Property Brokerage

Property Financing: Zero/Low Interest Plans

Comprehensive Property Management

Airbnb Hosting Solutions

Property Remodeling & Reconstruction

Exclusive Real Estate Development: Your Container Beach Resort

Turnkey Investment Opportunities


World Rank

Panama’s economic freedom score is 63.8, making its economy the 55th freest in the 2023 Index.


Regional Rank

Panama is ranked 9th out of 32 countries in the North, South and Central America regions, and its overall score is above the world and regional averages.


Passport Rank

Panama's passport ranking 33rd in the world passport index. With access to 144 visa-free destinations

Inflation (CPI)
Cost of Living

*For family of four in Panama City (without rent)

Frequently Asked Questions

We have curated a comprehensive list of frequently asked questions for your convenience. Should you require further assistance or if your question remains unanswered, please do not hesitate to contact us.



We provide a range of relocation services, including assistance with obtaining Panamanian residency, establishing businesses, and facilitating bank introductions, among other offerings. Your journey can begin with a tourist visa, allowing you to explore different countries for shorter stays while conducting research. It’s important not to fixate on acquiring citizenship immediately. Instead, focus on acclimating to your chosen country beyond the initial three-month period to ensure a successful transition.

Relocating to Panama is an opportunity to embrace a diverse tapestry of cultures, natural wonders, and promising prospects. This Central American jewel has rapidly emerged as a preferred destination for expatriates, retirees, and adventure enthusiasts. Here’s why making the move to Panama is an enticing choice:

  • Diverse Lifestyle Selection: Panama presents an array of living environments to cater to individual preferences. From the vibrant energy of Panama City to the tranquil beaches of Bocas del Toro and the refreshing mountain hideaways in Boquete, there’s a perfect place for everyone.
  • Panama City – A Modern Oasis: The capital city harmoniously blends historical charm with contemporary flair. It showcases a skyline adorned with high-rise condos alongside colonial-era treasures in Casco Viejo. Panama City offers a dynamic nightlife, a delectable culinary scene, world-class shopping, and a calendar of cultural events. All of this is within easy reach of tropical beaches and lush rainforests.
  • Flourishing Expat Communities: Whether nestled in the Boquete mountains or residing on the Bocas del Toro islands, you’ll find welcoming expat communities. These vibrant hubs foster social connections, mutual support, and the companionship that eases the transition to a new country.
  • Affordability: Panama remains an economical choice for many, with a cost of living that often undercuts Western counterparts. From property prices to dining out, your currency often carries greater value here.
  • Natural Splendor: Panama’s natural assets span both Caribbean and Pacific coastlines, verdant rainforests, and majestic peaks. It’s an ecotourism haven with activities ranging from snorkeling and surfing to bird-watching and hiking.
  • Friendly Locals: Panamanians are renowned for their warm hospitality and geniality. Engage with local communities, embrace the Spanish language, and immerse yourself in their diverse traditions and festive celebrations.
  • Economic Stability and Incentives: Anchored by a US-dollar based economy, Panama boasts one of Latin America’s most stable financial landscapes. The country extends attractive incentives to retirees and investors, enhancing its financial allure for long-term residency.
  • Cultural Melting Pot: Panama’s history as a global crossroads has cultivated a rich blend of cultures. Afro-Caribbean, Spanish, Indigenous, and North American influences converge, fostering a unique and inclusive cultural mosaic.
  • Modern Infrastructure: Despite its tropical setting, Panama offers contemporary amenities such as high-speed internet, top-tier medical care, well-maintained road networks, and international educational institutions.
  • Ideal Climate Choices: Whether favoring the balmy, coastal breezes or the crisp, temperate atmosphere of the highlands, Panama presents a variety of microclimates to align with your climate preference.


Absolutely, Panama boasts vibrant expat communities, with notable concentrations in locales like Panama City, Boquete, and Coronado. Expats frequently forge strong bonds and support networks, simplifying the adjustment process and fostering a sense of belonging.

Panama enjoys a tropical climate characterized by two distinct seasons. The dry season, which typically spans from December to April, offers delightful weather with minimal rainfall and ample sunshine. This period is particularly favored by visitors and expats for its pleasant conditions.

Conversely, the wet season prevails from May to November, marked by more substantial and frequent rainfall, especially in the afternoons. Despite the rain, the wet season maintains warm temperatures and lush green landscapes. Expats and travelers should be prepared for occasional showers and take advantage of the country’s vibrant natural beauty during this time.

Although Spanish serves as the official language in Panama, you’ll find that many urban Panamanians, particularly those working in the tourism and service sectors, have a good command of English. Nevertheless, acquiring some basic Spanish can significantly enrich your experience and help you navigate daily life more easily.

Family & Education

Living in Panama with your family offers numerous advantages, particularly in Panama City. Here are some reasons why Panama City is an excellent choice for families:

  • Quality Education: Panama City boasts several international schools offering American, British, and French curricula, ensuring your children receive a top-notch global-standard education.
  • Modern Healthcare: The city has state-of-the-art medical facilities, ensuring your family’s health needs are well taken care of.
  • Nanny Options: Finding a qualified nanny or housekeeper in Panama City is affordable and straightforward, providing parents with flexibility and personalized childcare.
  • Favorable Climate: Panama’s tropical climate means warm weather throughout the year, allowing for outdoor activities and leisure, especially if you have access to amenities like swimming pools.
  • Fitness and Well-being: Many residential buildings in Panama City have gyms, making it easy for the whole family to maintain an active and healthy lifestyle.
  • Cultural Exposure: Panama City offers a unique blend of cultures, exposing children to indigenous, Afro-Caribbean, Spanish, and North American influences, providing them with a diverse global perspective.
  • Outdoor Activities: The city is close to natural attractions like the Metropolitan Natural Park and the Panama Canal, offering educational and recreational opportunities for the family.

Overall, Panama City combines modern comforts, safety, and cultural richness, making it an excellent choice for families seeking a high-quality life in Central America.

Yes, Panama, particularly in Panama City, is home to several international schools that offer curricula from various countries, including the United States, the United Kingdom, and the International Baccalaureate (IB) program.

Public education in Panama encounters challenges like limited resources and infrastructure. However, private and international schools, particularly in urban areas, often meet standards that many expats find comparable to schools in the U.S. or Europe.

Public schools are free, but there might be additional costs for supplies and uniforms. International and private schools can be expensive, with fees varying widely depending on the school’s reputation and curriculum.

Yes, some universities in Panama offer courses or entire programs in English, particularly in fields like business, tourism, and international relations. However, the majority of higher education courses are taught in Spanish.

Yes, many schools in Panama, especially international ones, offer a wide range of extracurricular activities. These activities can include sports, arts, music, drama, and academic clubs, providing students with opportunities for personal development and social engagement beyond the classroom.

The school year in Panama typically commences in early March and concludes in December. There is a lengthy vacation period from mid-December to February, allowing students and their families to enjoy an extended break. This schedule aligns with the country’s tropical climate and cultural festivities.

Yes, the majority of schools in Panama, whether public or private, have uniform requirements for students. The exact details of the uniforms can differ from one school to another, but uniforms are generally a common practice in Panamanian education.


Residency and citizenship in Panama offer distinct legal statuses with varying rights and responsibilities for expatriates. Here’s a breakdown of the key differences:

  • Residency: Obtaining residency in Panama allows you to live in the country for an extended period, often renewable. It grants you the ability to establish a more permanent presence, work legally, and access various services and benefits. Panama offers different residency options, including the Pensionado Visa for retirees and the Self-Economic Solvency Visa, tailored to specific needs. While residents enjoy many privileges, they don’t possess the full political rights and privileges of citizens.
  • Citizenship: Panamanian citizenship represents a deeper integration into the country’s society and political system. As a citizen, you can participate in national elections, vote for government officials, and even run for public office. You’ll also gain a Panamanian passport, potentially granting visa-free or visa-on-arrival access to numerous countries. However, obtaining citizenship usually requires a more extended period of residency and additional criteria like demonstrating good conduct, proficiency in Spanish, and a commitment to Panamanian values.

Residency in Panama comes with several advantages. As a resident, you can enjoy the country’s affordable cost of living, access to quality healthcare, and participation in Panama’s Pensionado Visa program, offering discounts on various services. You can also open a local bank account, invest in real estate, and work legally in the country.

Panamanian citizenship offers a broader set of rights and privileges compared to residency, including:

  • Voting Rights: As a citizen, you have the right to participate in national elections, shaping the country’s political landscape.
  • Public Office: Panamanian citizens can run for and hold public office, contributing to the nation’s governance.
  • Passport Benefits: Citizenship grants you a Panamanian passport, which can provide visa-free or visa-on-arrival access to numerous countries, facilitating international travel.
  • Full Integration: Citizenship represents a deeper level of integration into Panama’s society, culture, and legal system, affording you a more comprehensive sense of belonging.
  • Enhanced Legal Status: Citizens have a stronger legal standing in Panama, with certain rights and protections that may not be available to non-citizens.

While obtaining citizenship typically requires a longer period of residency and fulfilling additional requirements, it comes with a greater level of engagement and participation in Panama’s social and political life.

To attain Panamanian citizenship, you typically need to have lived in Panama as a permanent resident for a certain number of years (usually five years). During this time, you’re expected to demonstrate good conduct, integrate into the local community, and exhibit a basic level of proficiency in the Spanish language. Once these criteria are met, you can apply for citizenship through a legal process that involves documentation, interviews, and assessments.

The decision between residency and citizenship depends on your personal goals and circumstances. If you’re primarily interested in living in Panama and enjoying its lifestyle, obtaining residency may be sufficient. If you aspire to have full political participation and access to the benefits of Panamanian citizenship, you might consider pursuing naturalization.

Yes, Panama has various visa requirements and options for individuals looking to live in the country. These options cater to retirees, investors, and those seeking residency in Panama. For retirees, the Pensionado Visa is a popular choice, providing access to a range of benefits, including discounts on various services and goods. Depending on your circumstances and goals, you can explore different visa categories to find the one that best suits your needs when relocating to Panama.

Panama offers a range of visa options to accommodate the diverse needs of expatriates looking to move to this vibrant country. Here are some of the common types of visas available:

  1. Tourist Visa: This visa is suitable for those who want to explore Panama temporarily. It allows a stay of up to 90 days, making it an excellent option for getting to know Panama before considering longer-term options. However, it doesn’t permit work or residence.

  2. Pensionado Visa: Tailored for retirees, the Pensionado Visa offers a pathway for individuals with a steady retirement income to make Panama their new home. To qualify, applicants need to demonstrate a minimum monthly pension income, often sourced from sources like social security or pension plans. The required income threshold varies based on factors such as age and marital status.

  3. Investor Visa: If you’re looking to make a significant investment in Panama’s economy, the Investor Visa provides a viable route. It requires proof of a minimum investment amount in various sectors, such as real estate, reforestation, or other approved sectors. This visa promotes economic development while offering expats the opportunity to settle in Panama.

  4. Self-Economic Solvency Visa: For individuals with substantial personal financial means, the Self-Economic Solvency Visa may be suitable. This visa mandates proof of a minimum bank balance and fixed deposit in a Panamanian bank. It is particularly attractive for those who can demonstrate financial stability without relying on pension or employment income.

  5. Work Permit Visa: If you have a job offer from a Panamanian company, the Work Permit Visa is applicable. To qualify, your prospective employer should provide a letter of employment outlining your role and responsibilities. The Ministry of Labor evaluates applications based on the company’s needs and the applicant’s qualifications.

Real Estate

Investing in real estate in Panama is an enticing prospect for expats for several compelling reasons:

  1. Strong Growth Potential: Panama’s real estate market has demonstrated consistent growth, offering expats the opportunity for capital appreciation and favorable returns on investment.
  2. Diverse Investment Options: Panama presents a wide range of investment opportunities, from luxurious beachfront condos to serene mountain retreats. This diversity allows expats to tailor their investments to match their preferences and financial objectives.
  3. Rental Income: With a thriving tourism sector, investing in rental properties can provide a dependable source of passive income. Panama’s popularity among tourists and expats ensures a continuous demand for quality accommodations.
  4. Tax Incentives: Panama extends attractive tax incentives to real estate investors, which can significantly enhance the overall profitability of their investments.
  5. Global Connectivity: Positioned as a business and travel hub, Panama enjoys consistent demand for rental properties and commercial spaces. The presence of the Panama Canal and a well-developed infrastructure further augments the country’s investment appeal.
  6. Economic Stability: Panama boasts both political stability and a burgeoning economy, factors that create a secure investment environment for expats.
  7. Second Home Paradise: For those in search of a vacation home, Panama’s natural beauty, diverse landscapes, and welcoming culture make it an ideal destination. Property ownership here delivers both financial and personal rewards.
  8. Retirement Haven: Panama’s retirement programs, including the Pensionado Visa, draw retirees from around the world. This demographic contributes to the rental and resale potential of expat investments.

Yes, several regions in Panama hold special appeal for expat real estate investors, each offering unique attractions and investment opportunities:

  1. Panama City: The capital city boasts a cosmopolitan lifestyle, featuring high-rise condos, modern amenities, and a thriving business environment. Its international prominence and continuous growth make it a prime investment location.
  2. Beachfront Communities: Coastal areas such as Bocas del Toro, Coronado, and Pedasi are renowned for their pristine beaches, water sports, and vibrant expat communities. Beachfront properties in these regions often yield excellent rental and resale potential.
  3. Boquete: Nestled in the highlands, Boquete offers a cooler climate, picturesque coffee plantations, and a serene atmosphere. The town’s popularity among retirees and nature enthusiasts renders it an attractive investment destination.
  4. Golf and Resort Communities: Golf enthusiasts and those seeking luxury living are drawn to areas like Buenaventura and Santa Maria. These upscale communities provide world-class amenities and an exclusive lifestyle.
  5. Mountain Retreats: Regions like El Valle de Anton offer a tranquil escape with breathtaking mountain views. These areas appeal to individuals in search of eco-friendly living and wellness retreats.

Certainly! Depending on your preferred location and property requirements, we can arrange property viewings during your visit to Panama. Once you’ve identified a property you’re interested in renting or buying, we can assist you with the necessary paperwork and transaction process to facilitate your property acquisition.

Absolutely! Panama is open to foreign property ownership and even offers incentives to foreign retirees and investors. The process for acquiring property as a foreigner is generally straightforward, but it’s advisable to research and understand the specific regulations and requirements related to property ownership in Panama. This ensures a smooth and secure property transaction process.

Business & Work

Generally, corporations are established for commercial purposes, such as engaging in profit-oriented activities like securities trading, banking, international trade, real estate, and more. However, they can also serve “holding” purposes, which involve asset preservation and management. On the other hand, foundations are typically set up for non-profit endeavors, including charitable activities, granting or receiving gifts, and philanthropic purposes. The primary distinction lies in their intended use, with corporations focused on profit and foundations on non-profit, charitable, or humanitarian goals.

Yes, there are annual renewal fees for a Panama corporation or foundation. The yearly fee amounts to $300.00 USD. The first year’s fee is typically included in the purchase price, but starting from the second year, this tax must be paid on each anniversary date. If you decide not to renew or extend the life of your company, simply stop making these yearly payments. In such a case, your corporation will be removed from the Public Registry, and its name will become available for use by new businesses.


The Panama Pensionado Visa is a special program designed for retirees, providing a range of benefits, including discounts on various services such as medical care, entertainment, and transportation. To qualify for this visa, applicants generally need to demonstrate a guaranteed monthly income.

Individuals aged 18 and above with a lifetime pension or annuity providing a monthly minimum of $1,000 can qualify for the Pensionado Program in Panama. If you’re purchasing property in Panama valued at $100,000 or more, the monthly income requirement is reduced to $750.

Most retirees in Panama settle in popular areas such as Panama City, Boquete in the Chiriquí Province, beach communities along the Pacific Coast like Coronado, and the Pearl Islands, among others. These locations offer diverse lifestyles and amenities to cater to retirees’ preferences.

The Pensionado Program in Panama offers a range of discounts and benefits, including:

  • 50% off entertainment (movies, theaters, concerts, etc.)
  • 30% off bus, boat, and train fares
  • 25% off airline tickets
  • 20% off medical consultations
  • 15% off hospital bills (if no insurance applies)
  • 10% off prescription medicines
  • Additional discounts on professional and technical services, hotel stays, and restaurant bills, among others.

Yes, retirees under the Pensionado Program in Panama enjoy tax benefits. They are exempt from taxes on foreign-earned income. Additionally, there are property tax exemptions available for certain property purchases, making it financially advantageous for retirees.

Yes, the Pensionado Visa grants you permanent residency in Panama after meeting the requirements and being approved. It’s a long-term visa that allows retirees to live in Panama without the need for frequent renewals. However, it’s important to note that this visa does not lead to Panamanian citizenship.

No, the Pensionado visa does not grant the right to work or start a business in Panama. It is specifically designed for retirees and individuals with a guaranteed pension income who wish to live in Panama without working. If you have intentions of working or engaging in business activities, you will need to explore alternative visa options that permit such activities.

Yes, retirees under the Pensionado Program in Panama are eligible for certain tax exemptions related to the importation of personal goods. You can benefit from a one-time exemption of duties on the importation of household goods, provided they do not exceed a total value of $10,000. Additionally, retirees can enjoy a duty exemption every two years for the importation or local purchase of a car. These exemptions are part of the incentives offered to retirees as part of the program.

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