The Retirement Wave and Bob Adams

Bob_th While doing my research about moving to Panama, I stumbled across owned by Bob Adams.    Before moving to Panama City, he spent nearly all of the 46 years of his adult life working globally in more than 40 nations in North America, Central America and the Caribbean, South America, Europe, Africa, the Middle East, and Asia. Bob has worked for non-profit humanitarian agencies, the “foreign aid” programs of the UN and the US, and several international business firms.

He’s been published five times in Barron’s, the well-respected financial journal, on topics including American migration to other nations. In addition, Bob has been interviewed by Erin Burnett on CNBC’s “Street Signs” financial program. Finally, Bob has also have written at the Wall Street site, Minyanville, on several occasions, as well as at Business Insider, the Asia Times, and others.

Needless to say, Bob Adams is has many years of experience investigating foreign countries.  With all that knowledge, he chose Panama as his home.  Bob’s website, offers a free member area where he shares economic news and other insights about Panama.

During the Panama Relocation Tours, when he has time, Bob meets with the group to discuss life in Panama City.  He is a wealth of information!

Bob Adams and Jeff Lane

We were honored when he recommended Panama Relocation Tours to his members.  See the article here:

A Panama tour for your consideration by Bob Adams

In the nine years since I first established Retirement Wave, I have never recommended a commercial tour. I have nothing against tours, as such, but I have not been impressed with those available. They are “money machines”. Folks pay substantial sums of money to take part in the tours, but they are also responsible for their hotel rooms, meals, and other essential expenses which make the total cost much more. The speakers at some conferences are chosen not for their expertise, but because they have paid the tour to make a presentation, yet another source of income for the sponsor. Most aggravating to me is the practice of introducing visitors to “selected” real estate developments and properties where the tour sponsor is either paid a fee or a percentage of any sale made. Finally, many introduce folks to just one area of Panama, ignoring the others completely.

Business is business and I understand the need for tour sponsors to make a profit on their effort, but there is a point when a tour is no longer a genuine tour, but simply a sales mechanism, typically implying that it is “independent” and “objective” in its presentation, but which in fact is actually working as an agent for others without the knowledge of those attending. It can be a very expensive introduction to Panama without providing as good an overview as people expect who are paying the money. I think that is a reasonable way to explain my feelings. There are certainly expatriates who live in Panama whose negative opinions would be far stronger than mine.

For me, this has been a disappointment. The great majority of RW members arrive independently and make their own “tours”. I think that is an excellent way to do it. However, there is a segment of our membership who prefer a guided tour for any of a number of reasons and who do not mind paying for the opportunity. They often write and ask for a recommendation and I have had none to make…until now.

When Jackie Lange, an RW member, asked me if I would talk to a tour group she was escorting, I agreed. My “pay” was my meal. Fair enough. I met her and her group and left with a very positive impression. I was free to speak frankly and without any pressure of any kind to “push” any region or development or property in Panama. Jackie lives in the Boquete area of western Panama, but she introduces her tour groups to as much of the nation as she can in a short period of time. I was asked to talk about Panama as a whole, but also the Panama City area and what it is like to live here. It was a very nice evening and I did my best to provide some useful comments.

I have done that now a total of three times. I have had the chance to talk to the participants during their tour and also afterwards in some instances. Every one of them has nothing but good things to say about Jackie and her tour. None of them felt pressure to make a decision. In fact, Jackie’s personal preference is for people to rent first, before buying. In my experience with members over the years, I think renting can be very useful for some, but less useful for others. Everyone is different. But it is not typical for a tour sponsor to recommend renting and this is one clear signal that there are no “deals” made with developers or real estate agencies. I also like the fact that Jackie encourages her clients, once the tour is finished, to set aside time to return to areas that interested them on their own. So many other tours take you only where they want you to go for their own purposes and push clients, gently or not, to make a sales decision based on their tour. Jackie’s tours are pressure-free and I very much appreciate that. And finally, the tours are small, typically no more than 20 people at a time to allow for more personal consideration. As Jackie continues her tours, I hope she can expand them, but I do like the fact that a client is not one of a couple hundred people or more!

Another reason I like Jackie’s tours is that they are “inclusive”. Of course, you pay for your own transportation to Panama, but once here, Jackie pays for all your meals, your hotel rooms, tour bus, tour guide, and so forth. Other than things like alcohol, room service, telephone calls and similar personal choices, she takes care of your bills. Her tours are not “cheap”, but once you add up all the costs involved that other tours require you to pay yourself, I think it is a pretty good deal. That combined with the type of “guided but open” tour she provides and my personal observations of her work lead me to highly recommend her tours for your consideration, if a tour is what you desire.

I will leave it at that and let you visit her Web presentation and decide for yourself, with one exception. I do not receive a fee or any monetary consideration for this recommendation.

If this sounds interesting, you can visit Jackie’s “Panama Relocation Tour” at


Jackie Lange

Jackie Lange is the founder of Panama Relocation Tours and lives in the highlands of Boquete Panama. She has helped thousands of people relocate to Panama.

Reader Interactions


  1. Dick Fitchett says

    I have been communication with Bob for years and have recently retired and sold my main home in NY.
    I have however developed AMD and need Medicare treatments totaling about fifty grand a year and was recently told by Rich Novak that Medicare treatments are not available in Panama. I did not know this and now am wondering if there is any alternative.
    It appears that my ever moving to Panama in this case would be impossible.
    Do you have any information to the opposite of this? If so please let me know.

    Thank you very much

    Dick Fitchett

    • Panama Relocation Tours says


      Medicare is not available in Panama. However, you can get insurance in Panama which would cover part of the costs of your treatments. There are insurance options which cover pre-existing conditions up to 50% of the cost. Keep in mind, if the treatment cost $50,000 a year in the US, it probably costs $5,000 a year in Panama for the same treatment with a doctor who was trained in the US or Europe. So don’t give up yet!

      Are you a veteran? If so, your medical care and drugs could be covered 100% in Panama.

  2. Jill Di Somma says

    Hello Jackie.
    We always enjoy following you on You Tube. We also follow Bob Adams. We are missing his videos lately. We are wondering if he is okay?
    Take care.
    Fred & Jill Di Somma

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