What We Do Places Pricing Get in Touch

We make moving to Panama easy.

You've done the research. You know Panama has great weather, affordable healthcare, and the dollar. What you need is someone on the ground who can actually make it happen.

We're a small team based in Panama City. We help Americans find apartments, hire household staff, navigate visas, and handle all the details that make the difference between a stressful move and a smooth one.

Message us on WhatsApp We usually respond within an hour

Based in

Panama City

Clients helped

200+

Since

2019

What we actually do

Think of us as your personal fixer in Panama. Here's what that looks like in practice.

01

Find your apartment

We'll learn what you're looking for, then go out and find it. Not listings from a website — we physically visit places, negotiate with landlords, and handle the lease. You show up to a furnished apartment with the WiFi already working.

02

Hire your household staff

Most of our clients want a housekeeper. Many want a cook. Some need caregivers or drivers. We find candidates, check references, handle the interviews, and manage the paperwork. Good household staff changes everything about living here.

03

Handle your visa

The Pensionado visa is genuinely great — discounts on everything from restaurants to airline tickets. But the process involves lawyers, apostilles, and government offices. We coordinate the whole thing so you don't have to figure out Panamanian bureaucracy.

04

Set up your life

Bank accounts. Phone plans. Finding a doctor who speaks English. Getting a car. Figuring out where to buy groceries. The small stuff that eats up your first month — we handle it before you arrive.

05

Ongoing support

After you're settled, we're still here. Need a plumber? Restaurant recommendation? Help booking a trip to Bocas del Toro? That's what we're for. One WhatsApp message and it's handled.

Where people live

Most of our clients end up in one of four areas. Here's the honest breakdown.

Caribbean Sea

Map of Panama
Boquete
El Valle
Coronado
Panama City

Pacific Ocean

Beautiful Pacific beach with palm trees and golden sand

Coronado & the beaches

Beach life, expat community

About 90 minutes from the city on the Pacific coast. Gated communities, golf courses, and a large American expat scene. Good if you want beach access and don't mind driving for city amenities.

Budget
$1,800–3,000/mo
Climate
Hot, beach breeze
Lush green mountain valley with misty peaks

El Valle

Cooler, quieter, still close

A mountain town in an old volcanic crater, two hours from the city. Temperature drops to the 70s. Sunday market, hot springs, hiking. Popular with people who want peace and quiet but still want to pop into the city occasionally.

Budget
$1,500–2,500/mo
Climate
70–80°F year-round
Mountain landscape with coffee plantations and flowers

Boquete

Mountain town, established expats

In the western highlands, famous for coffee and flowers. Cooler climate (65–75°F), stunning scenery, very active expat community. Downside: it's a 45-minute flight or 6-hour drive from the city.

Budget
$1,500–2,800/mo
Climate
65–75°F, spring-like

Photos via Unsplash

How pricing works

We keep it simple. Pick the level of help you need.

Exploration Trip

You're visiting to see if Panama is right for you.

$1,995

  • 7-day personalized itinerary
  • Airport pickup and transfers
  • Neighborhood tours (we'll show you around)
  • Housing options to view
  • WhatsApp support during your trip

Visa Services

Pensionado, Friendly Nations, or tourist extensions.

$2,495

+ government fees

  • Eligibility consultation
  • Document preparation
  • Immigration attorney coordination
  • Application submission
  • Status tracking until approved

Ongoing Concierge

After you're settled, keep us on retainer. Restaurant reservations, travel booking, finding a handyman, whatever you need. $995/month.

Let's talk

The best way to reach us is WhatsApp or text. We're usually around between 9am and 9pm Panama time (same as Eastern), and we try to respond within an hour or two.

Tell us a bit about your situation — when you're thinking of moving, what kind of place you're looking for, any specific concerns. We'll get back to you with honest answers, not a sales pitch.

+507 6737-0613

Prefer email?

hi@retirewarm.com

We check email daily, but messaging is faster.