Take Back Your Retirement

And Live The Adventure Of A Lifetime On A
Social Security Check

Dear Live and Invest Overseas Reader,

I retired when I was 49… 13 years before I’d planned.

And it wasn’t because I’d struck it rich; quite the opposite. I had an average income and moderate savings… less than most of my coworkers who stayed behind to continue working.

I was able to retire at that age for two reasons: I retired abroad… and I chose my country wisely.

Financially, there’s no other way I could have pulled it off.

If you think the retirement that you’ve always dreamed of is slipping away, I can guarantee you there’s a solution.

In the end, I was shocked at how financially easy it was. Let me explain.

For most of my adult life, I thought that retiring overseas was for the very wealthy… not for an average person like me.

I first got the idea to retire abroad while browsing in a bookstore in Scottsdale, Arizona. I found a book written by a guy who had retired early and was living comfortably abroad—splitting his time between Costa Rica and Mexico—on a very modest income. He was an honest writer… and a regular middle-class guy like me.

His book changed my thinking entirely.

Instead of working until I’d earned a pension large enough to live well in the States, I realized that I could retire years earlier… and still have plenty of money to live well abroad.

Instead of working until 62 as planned, I found that I’d have enough to live overseas comfortably prior to age 50.

Instead of hoping for good health in my old age, I could retire when I was relatively young, fit, and able to enjoy a life of fun and adventure.

But it was critical that I choose the right country.

Few countries offered a cost of living low enough to meet my needs. And of those that did, most were places I didn’t want to live… places that were cheap enough, but didn’t offer the comfortable, convenient, and exciting lifestyle that I was hoping for.

But one country fit the bill perfectly… with benefits to spare.

It was Ecuador.

In fact, Ecuador exceeded my expectations in every way

I had hoped to find a decent house at a reasonable price. But instead, the proceeds from my small A-frame in Quarryville, Pennsylvania, bought me a beautiful home of over 5,100 square feet… in the best neighborhood of Ecuador’s most beautiful city.

I expected low property taxes on that home… but was amazed to find that they were less than $200 per year.

I wanted to save on utilities… but was taken aback by the huge savings that come with a climate that doesn’t require heat or air conditioning.

I had hoped for a country with abundant natural beauty and diversity. And again, Ecuador exceeded my expectations, with staggering Andean peaks… magnificent colonial cities… hundreds of miles of Pacific coastline… the Amazon rain forest… and the Galápagos Islands.

And, most critically of all, I needed a low cost of living. I had only modest savings and a small pension… which needed to stretch more than 30 years.

Once again, Ecuador exceeded my expectations. I had allowed for what seemed like a small budget… but ended up spending even less. In fact, I even managed to add to my savings, which was the biggest surprise of all.

Discover how to live well on a Social Security check

In Ecuador, I found enriching lifestyles for every income level.

A couple settling in small towns can live on around $750 per month. In a rural setting, two of my close friends are living on less than $650 per month.

If you’d be happier in a beautiful, 16th-century colonial city—with its theater, orchestra, art shows, restaurants, and cafés—you can do that starting at $1,200 per month (under $1,000 if you own your own house).

To put this in perspective, of the more than 43 million retired workers now collecting Social Security, the average payment is $1,412 per month.

So who can live in Ecuador on a Social Security check? Almost everyone. The average Social Security recipient can do it with room to spare.

And what’s amazing is that you’ll do more than just live. You’ll live well… a wealthy and enriching lifestyle that just wouldn’t be possible back home.

Best of all, you’ll have the experience and adventure of a lifetime.

You can do it… and I’ll show you how to do it the easy way

When I retired to Ecuador, things were different… it was a lot of work for me.

I covered the country from top to bottom in a rental car—with limited Spanish at the time—exploring unknown regions via poorly marked roads.

Working with the Ecuadorian officials, I had to figure out how to get a residency visa from scratch.

I wanted to learn Spanish, but had no idea which language schools were any good… among hundreds that were marketing their programs.

After picking my city, I had to find an honest real estate agent and navigate a disorganized market with no multiple listing service. It was every real estate agent for himself, with me at their mercy.

After selecting a home, I didn’t know an English-speaking attorney. I had to go to the U.S. Embassy to try to find one.

Hardest of all, I didn’t know anyone who lived in Ecuador… that is, no one who had already moved here, who I could ask for help.

In other words, I didn’t just drop into a paradise, like Dorothy in “The Wizard of Oz.”

But you can.

That is, you can land in Ecuador and hit the ground running with your new life laid out in front of you.

In fact, you can condense all my months of effort into just three action-packed days… and come away with more knowledge than I did.

Live And Invest In Ecuador 
March 20–22, 2019
Quito, Ecuador

Take Back Your Retirement… And Live The Adventure Of A Lifetime
On A Social Security Check

Over three adventure-filled days, you’ll get to know all the country’s regions… along with the professionals who work there and the expats who live there… all from the comfort and convenience of our meeting room at the Mercure Quito Hotel, March 20–22, 2019.

You’ll get a broad, in-depth view of Ecuador that outsiders simply don’t know about

  • Find the security that comes with knowing exactly how you can live—comfortably—on a budget that starts between $650 and $1,200 per month.
  • Get to know each of Ecuador’s fascinating regions, from the dramatic Andes to its hidden valleys, beautiful beaches, colonial cities, Amazon rain forest, and Galápagos Islands.
  • Discover why Ecuador is also a winner for health care, with excellent facilities and service, at the continent’s lowest prices.
  • Find out how you can save thousands—tens of thousands—by buying properties on the local market.
  • See examples of comfortable apartments you can rent for less than $500 per month. Some as low as $350 per month!
  • Get to know the real estate experts who have found Ecuador’s best income-producing properties.
  • Discover Ecuador’s best beachfront deals in the coastal real estate market… from the modern beach resorts to little-known hideaways.
  • Be prepared and confident, with all of the practical matters at your fingertips. From residency to taxes, from banking to real estate, you’ll leave the conference ready to take action. You’ll be up to speed on…
  • Residency and citizenship
  • Your tax liability
  • Importing your household and pets
  • Managing utilities
  • Learning the language, etc.
  • And, most importantly, you’ll benefit from the experience of those who have gone before you. At this conference you’ll hear from more seasoned expats than ever before.

What’s more, if you want to see the cities and properties firsthand, you can join one of the optional real estate tours to see the lay of the land yourself.

It’s time to take charge of
your retirement

Over the past few years, it may have seemed like the retirement you’ve always dreamed of was slipping away. And for many Americans, it has.

But here’s your chance to grab it back!

Whether you’re 39 or 79, it’s a chance to not only meet, but exceed, the expectations you’ve always had for a happy, healthy, and secure retirement… for the price of a Social Security check.

When you join us, you’ll discover everything you need to know about Ecuador in order to decide if it’s right for you…

And when you leave, you’ll have all the knowledge and contacts necessary to make your transition happen with confidence.


Discover the best of Spanish America in Ecuador’s colonial cities

After 18 years of living abroad, I am no longer easily impressed… but I’m still in awe of life in Ecuador.

When I retired here, I settled in the colonial city of Cuenca, a former Spanish capital and city of the Incas. I’d often stop, take in the surroundings of my 16th-century city, and just marvel at the fact that I was really living this life.

Imagine heading out the door bright and early each morning, bound for the local bakery. If you time it just right, you can catch the warm cinnamon rolls just as they’re coming out of the oven at 7:15 a.m. A rich cup of Ecuadorian coffee goes perfectly as you settle down at a small table with the morning paper.

You’ll walk the cobblestone streets that saw the traffic of the early Spaniards in the mid-1500s and the Incas before them. The colonial architecture, with iron balconies and center courtyards, will take you back in time.

While Cuenca has a new, modern mall on the edge of town, the historic center still features large and colorful indigenous markets, some taking up more than a city block. You’ll also discover tiny, hole-in-the-wall shops, each one selling its own specialty as they have for centuries.

Today, you’ll find surprises hidden among the old adobe buildings of downtown Cuenca. Today’s historic center also has small sidewalk cafés, English book shops, fine dining, and a handful of bistros and expat gathering places. It even boasts Indian and Middle Eastern restaurants, along with the traditional Ecuadorian venues and international restaurants.

In the evening, you’ll find plenty of restaurants, bars, clubs, and discos. But you can also take in a tango show or a play at the theater… or spend an evening at a (free) concert by the symphony orchestra… or attend an art opening at a gallery hidden within the old convent… or take in an exhibition at the modern art museum.

Cuenca is the cultural heart of Ecuador and a benchmark for colonial cities in the Americas.

But Cuenca’s not your only choice for colonial highland living in Ecuador

The beautiful city of Loja is a smaller, quieter version of Cuenca. Clean, classy, and upbeat, this “music capital of Ecuador” is a breath of fresh air… where you can live well on less than $1,100 per month.

If you’d prefer small-town living, the popular highland town of Cotacachi has been drawing expats for years. Charming and friendly, it’s one of the lowest-cost places you can settle.

Or there’s Vilcabamba, in Ecuador’s Valley of Longevity; reputedly home to more people over 100 years of age than anywhere in the world.

In small town Ecuador, your budget can be even lower than in the cities. Some expats live for less than $750 per month.

Finally, if you’d like the bustle of a world capital, Quito and its surrounding valleys provide a multitude of options. Quito’s historic center, a remarkable testimony to urban reinvention, now offers an enviable lifestyle amid historic colonial grandeur.

At the Live and Invest in Ecuador Conference, we’ll bring the grandeur and the lifestyle of Ecuador’s colonial cities to you:

  • Experience the cities, the streets, and the people of Ecuador’s colonial highlands, without having to leave the comfort of our meeting rooms.
  • Meet the expats who call the highlands their home… to find out what it’s really like to live there over the long haul.
  • Sit down with people who have started businesses in colonial Ecuador, so they can share the ins and outs of being an entrepreneur.

For many expats, the colonial cities—large or small—of Ecuador’s highlands are the stuff that dreams are made of. Join us at our Live and Invest in Ecuador Conference March 20-22, 2019 to see if the colonial highlands are for you.

Explore over 500 miles of tropical coastline with the continent’s best beachfront buys

It was another flaming Pacific sunset as I sat down to a delicious meal of grilled sea bass and camarones al ajillo, succulent shrimp grilled with fresh-chopped garlic cloves and olive oil.

Darkness came suddenly, as it does on the equator, and from my seat at the edge of the open-air restaurant in Puerto López, I could soon hear, rather than see, the waves crashing on the face of the cliff far below.

This dinner was my first snapshot of life in coastal Ecuador. For every expat who extolls the virtues of Ecuador’s colonial highlands, there’s another expat who swears that the coast is the place to be.

And with good reason; Ecuador’s coast offers a beach lifestyle for everyone and comes with the lowest price tag in the Americas.

On the north coast you’ll find the bustling town of Atacames, with its wide beaches, beachfront restaurants, bars, clubs, and shops. A traditional seashore getaway, Atacames, with its driving salsa beat, has drawn visitors for years.

Just down the road you have the quiet seaside town of Súa, and a few miles farther, the positively tranquil town of Same. Together they offer you three contrasting lifestyles on a small section of coastline.

But that’s not all.

Ecuador’s coast also offers the sleepy surfer village of Canoa… or the bustling, world-renowned surfing village of Montañita. You can have the comfort of a small, friendly city if you choose Bahía… or the convenience of a larger coastal city like Manta, with its great medical care, expat community, and city amenities.

Beachcombers will enjoy Olón… with its 8 miles of incredible, walkable beach.

Playas is a newly expanding area and is the shore point closest to the airport. It’s also the sunniest spot on Ecuador’s coast.

But for many expats, the crown jewel of Ecuador’s coast is the town of Salinas. It’s the pride of many Ecuadorians who enjoy its restaurants, cafés, clubs, and beaches.

Salinas also offers something special for the property owner: a unique rental opportunity. It’s one place on the coast where a North American can come to enjoy the year’s best weather during the northern winter… yet profit from a strong rental market in the off season!

At Live and Invest in Ecuador Conference, we’ll bring the best of this magnificent coast to you.

You’ll see if the Ecuadorian coast is right for you by using our staff of experts and the firsthand experience of the men and women who have already made the move.

Enjoy excellent, affordable
health care

I’ve obtained residency in four countries, so I have plenty of international health care options. I even have a great employer-paid Blue Cross plan in the United States that includes a contract with the Mayo Clinic.

Yet, when I needed to see two specialists not long ago, I chose Ecuador.

In one case, I required minor, in-office surgery. The total cost was $90, which included the operation, office visit, local anesthesia, and supplies. In addition, I paid $20 for the associated lab work; so the total was $110.

By coincidence, I’d had the same thing done last time I was in Arizona. The total cost there was $5,190. And even after insurance, my portion was still $347.11.

To put this into perspective, it cost 300% more to be insured in the States than it cost to be uninsured in Ecuador.

But the cost wasn’t even the most important part… and it’s not the reason I went to Ecuador.

I chose Ecuador because among all of the choices available to me, that’s where I got the best care.

When I see a specialist in Ecuador, not only is it less than my co-pay back in the States…

I also get quality care and no-rush, personal attention. I see a doctor who’s uninfluenced by insurance companies and pharmaceutical salesmen. Best of all, I see the doctor himself, one-on-one, without the stream of assistants and support staff that I deal with in the United States.

And because of the simplicity of the one-on-one relationship with the doctor, I’ve experienced fewer mistakes and gotten better care.

And it’s not just the medical care that’s affordable…
a quality nursing home starts at $600 per month

Frankly, I found this hard to believe, so I went to see the nursing home for myself… unannounced. I was pleasantly surprised to find a clean, upbeat facility with a courteous and professional medical staff. The residents were well-dressed and well-cared-for. I met a group of perhaps 15 residents enjoying the sun in the interior courtyard, while others were exercising with staff members or visiting with family.

The assisted living facility I visited was Nueva Esperanza… but it’s just one of five such facilities located in Cuenca today.

Ecuador has all the bases covered for the expat’s medical care, from A to Z. You can move here with the security of knowing that you’ll be in good hands for as long as you’re here… at a price you can afford.

Reserve my place

The most amazing benefit of this fascinating lifestyle… is the price

Nowhere else in the Americas will you find property prices like these, with a cost of living that can be covered by a Social Security check.

  • Discover convenient, modern condos just a block from Cuenca’s historic town square for less than $70,000.
  • Get your dream home near the beach, starting at just $79,000… for a house where every room has a view of the sea.
  • Rent a luxury, 1,300-square-foot penthouse—with 360-degree views of the city and surrounding mountains—for just $800 per month. A condo downtown with riverfront and mountain views is going for only $500 per month… and both are fully furnished.
  • A modern studio apartment in the middle of the historic center is going for only $380 per month, furnished.
  • Buy your own 22-acre organic farm (9 hectares) in a tropical valley—with great views and loads of fruit trees and coffee—for just $145,000.

And in the cities of Ecuador, you’ll give up nothing in exchange for these fantastic prices.

You’ll still enjoy high-speed internet, cable TV, and reliable phone and electric service. Not to mention the cafés, restaurants, theater, and a host of other city amenities.

The best part of retiring in Ecuador is what you will do and see after you move here

With a group of friends, I made a sharp turn off a small country road into the brush, and started to climb. After a brief pause to shift into four-wheel drive, we continued climbing through fields of lemons, bananas, and finally sugarcane. The road narrowed even more and finally disappeared as we entered a clearing at the top of the mountain.

The Land Cruiser crawled over a deep bed of discarded sugarcane stalks, and we pulled to a stop in front of an old, open-sided tin-roof building which housed an ancient cane press powered by an antique Briggs & Stratton engine.

Just behind this enclosure we could see the telltale wisp of wood smoke indicating the presence of a still just out of sight. See the photo below.

An old man was hovering over the still, tending a wood fire under a used 55-gallon oil drum as the clear, anise-scented Mallorca sugarcane liquor dripped from the other end. We all gathered on wooden stools around the still, and sampled the hot cane liquor as it dripped from the copper tubing.

This is why I came to Ecuador.

Sure, the cost of living is low here, but we’ve also found so much more than just inexpensive living.

When I retired abroad, I wanted to have a rich and interesting life once I landed in my new country. I wanted to travel… and explore.

And for this, you won’t beat Ecuador. It’s not only rich with exciting travel opportunities, it’s also one of the world’s most economical countries to travel in.

Gasoline in Ecuador is only $1.48 per gallon… hotels are inexpensive… and public transportation is available to every corner of this diverse country.

I’ve explored the Andean highlands from top to bottom… from the woodcrafters of San Antonio to the leather crafters of Cotacachi to the guitar makers of San Bartolomé… and of course the cane liquor stills of El Oro. I’ve traveled from the high, snowcapped peaks in the north to the hidden Valley of Longevity in the south.

I’ve lived the wonders of the Amazon rain forest with an indigenous tribe and explored brilliant, secret beaches far from the tourist trail in the Galápagos Islands.

When you retire to Ecuador, this world will be at your doorstep.

Take it from me… you won’t have to settle for boring tourist traps or playing checkers on the square. You can enjoy one of the most exciting retirements on the planet… on your Social Security check.

We’ll bring our extensive network
of nationwide contacts to the
table to help you on your way

As an attendee at our Live and Invest in Ecuador Conference, you won’t have to scour the country for information… Ecuador will come to you.

We’ll have our top real estate contacts from every corner of the country bringing you the best deals out there.

Our legal team will be on hand to bring you up to speed on important issues like these:

  • Residency and visas
  • Property purchase and title verification
  • Moving your household and pets
  • Investing in Ecuador

If you like, they can even start you on the road to residency during the event!

Savvy health care professionals will be glad to assist you with this important issue. You’ll be shocked by Ecuador’s many low-cost health care options.

Learning the language is a terrific investment to help you get the most out of your experience in Ecuador. We’ll showcase the best of Ecuador’s many fine language schools for your convenience.

Ecuador is a haven for entrepreneurs who love the wide-open playing field and lack of officious regulation. North American business owners will be on hand to share their stories… and their lessons learned.

Best of all, when you come to the Live and Invest in Ecuador Conference, you’ll be in the company of expats who have already made the move—the most important and unbiased source of information you can find.

Reserve my place

Take a look at why expats are moving to Ecuador


This unique, value-packed event is
only available for a short time at
these prices

The 2019 Live and Invest in Ecuador Conference is an exclusive opportunity to get to know Ecuador in a way that’s simply not possible by any other means. We’ll have experts on hand from every part of the country to help you with every possible endeavor.

The conference is action-oriented. Based on past experience, some attendees will begin the visa process during the event… or open bank accounts… or even buy a home.

And best of all—whether your interest lies in the mountains, the colonial cities, or at the ocean—we’ll have experienced expats on hand to show you what life is really like in Ecuador.

The full list price of 2019’s only Live and Invest in Ecuador Conference will be $1,095 per person, and only $1,595 for two. (Yes, if you come with a spouse or partner, the second person attends for less than half-price.)

But frankly, there’s no need to pay that much

When you sign up now, you qualify for the Early Bird Discount. This will slash the cost of admission to just $845 for one person, and only $1,095 for two. In other words, your guest attends for only $250.

And, chances are, you’re eligible for an even better discount, in addition to these Early Bird Discounts:

  • If you’re one of our All Access Pass members or a Personal Consulting client, your admission is free, along with your spouse or guest.
  • Existing Overseas Living Letter subscribers will save $50.
  • Subscribers to Simon Letter or Global Property Advisor as well as Overseas Retirement Circle members save $100.

Here’s what’s included with the price of admission:

  • Admission to all presentations
  • Complete access to the restricted exhibit/developer area
  • Expert personal consultations
  • Formal and informal Q&A sessions, breakouts, and workshops
  • Introductions to reliable real estate sources, business contacts, fellow expats, and professional legal resources
  • Access to optional, attendee-only pre- and post-conference real estate tours
  • Access to optional cultural, craft, and sightseeing tours
  • Coffee breaks and snacks
  • Welcome cocktail reception and all sponsored lunches and events
  • Seminar materials, notebooks, and handouts
  • Downloads of all conference presentations after the event is over
  • A complete set of professionally produced conference recordings

Reserve your seat today by contacting conference director Valentine Fouché or by calling her at 1-888-627-8834. We’ll have you booked and ready to go in minutes. If you’d prefer, you can use our convenient Online Registration Form.

Free Entry For The Next 15 Readers Only: 

2019 Ecuador Singles And Social Mixer

A new life in Ecuador is an adventure of a lifetime…

It’s also a chance to make new, like-minded friends… maybe even to find love.

Because, in fact, finding new friends abroad can be easier than it is at home…

Still, we’d like to give you a running start with our 2019 Ecuador Singles And Social Mixer.

Taking place the night before the first day of our Live and Invest in Ecuador Conference, we’ve put together an evening program that includes:

  • A private, VIP area of the hotel bar in Quito… with exclusively discounted drinks…
  • Games and icebreakers to help attendees make new connections…
  • A Q&A with our Ecuador experts on the best ways to make new friends overseas…

Access to this private event is completely free when you reserve your place to join us this March at the Live and Invest in Ecuador Conference.

Simply be one of the next 15 readers to sign up, and your attendance will automatically be upgraded to include exclusive access to the 2019 Ecuador Singles And Social Mixer.

Due to space in the VIP area, access to this bonus event is severely limited.

Again, only the next 15 people to reserve their place may gain free entry.

I urge you, therefore, to sign up now to secure your access…

Learn more and go here now to get started immediately.

This event is selling fast: sign up
now while maximum discounts


Think about it. If you had to gather this information on your own, you’d spend thousands of dollars and months of your time to do it.

Believe me, after months of knocking on doors, searching the internet, sitting in lawyers’ offices, and hanging out with real estate agents, it would still be virtually impossible to assemble the body of knowledge that we’ve pulled together for this conference.

Frankly, Live and Invest in Ecuador is an indispensable investment for anyone who’s considering Ecuador… well worth every penny you’ll pay to attend.

This is your chance to take back your retirement… that dream retirement that may be slipping away… and live the adventure of a lifetime on a Social Security check.

I look forward to meeting you personally in Ecuador.


Lee Harrison
Latin America Editor

P.S. Remember, you’ll need to sign up now to get the Early Bird Discount and, importantly, secure your complimentary VIP status! Follow the link to secure your seat now!

Reach us with questions and comments at 
or by phone, toll-free from the United States, at 1-888-627-8834.
Copyright © 2008-2018 Live and Invest Overseas, Founding Publisher Kathleen Peddicord