Anja Luesink, MBA CFP® RLP® CeFT® GFP, is the co-owner of Luesink Stenstrom Financial a holistic financial planning firm based in New York City. She and her business partner know cross-border issues from their own experience. She works with clients cross-border in Europe (specifically Netherlands, UK and Spain) and in Australia.

Anna has more than 20 years of legal practice in International Law, and is a Certified Lawyer with the Bar Association of Barcelona.

After receiving her Law Degree “Cum Laude” at the age of 20, she worked in Public Sector and several EU International Cooperation projects in various countries, specializing in particular, in Central Asia. She also worked in several multinational private businesses in real estate and hospitality sectors. She focuses in bringing best international practices in every project she carries out.

Anna holds an LLM in International Human Rights Law from England, for which she received a full scholarship on merits, and also a Master’s Degree in International Law (Abogacía Internacional) from Spain.

Anna leads our Corporate and Commercial Law Practice, and specialises in business set-up, investment transactions, and immigration strategies.

Being an expat herself, she successfully runs the firm and several other businesses and works with investors from across the Globe.

Anna is fluent in English, Russian, and Spanish, and also speaks French and Catalan.

Tom Zachystal is the founder of the firm and our President and Chief Investment Officer. Prior to starting IAM, he was Vice-President Europe based in Prague, Czech Republic for another US RIA firm and worked for a major Wall Street investment firm. Tom also spent five years as an international business consultant and seven years as an engineer for oil services firm Schlumberger. During this time he worked in a dozen countries on four continents and it is his combination of international experience and investment knowledge that allows IAM to offer tailored financial solutions to expatriates and non-US investors as well as to American residents and citizens.

Tom has an MBA in Global Management from Thunderbird University in Glendale, Arizona, a BSc in Civil Engineering from the University of Alberta in Edmonton, Canada and holds the Chartered Financial Analyst (CFA) credential as well as the British Investment Management Certificate (IMC), and is a Certified Financial Planner™ (CFP™) practitioner. He is a past President of the San Francisco Financial Planning Association, has been managing investment portfolios on a discretionary basis since 2002, and oversees investment management and financial planning for all our expatriate clients.

​Ashley Murphy, CFP® GFP Fellow, is a tri-citizen of the USA, Australia and the UK. Ashley is the founder and Principal of Arete Wealth Strategists Australia, a fee-only financial planning and investment management firm for Australian/American expatriates in the United States and Australia.​

From 2014 - 2017, Ashley taught in the CFP programs at UC Berkeley Extension and Golden Gate University. He served as a Knowledge Circle host for the Financial Planning Association's International and Cross-Border Knowledge Circle (2017 - 2019), and is a regular conference speaker. He holds a Graduate Diploma in Financial Planning in Australia making him one of the few financial advisors qualified in multiple countries. Ashley has been quoted in the Wall Street Journal and profiled in Financial Advisor Magazine.​

Ashley lives with his wife Eliza, and daughters Elise & Jasmine in Minneapolis, MN. He enjoys cycling, reading and world travel. He is a futurist with interests in architecture, renewable energy and demographics.

John brings over 16 years of financial planning experience from his tenure at Merrill Lynch, TD Ameritrade, and independent planning firms in the Bay Area. He holds both CFP and GFP designations, and earned his BS in Psychology from the University of Iowa, with minors in Philosophy and French.

John is an intensely creative professional who is energetic in the application of modern financial planning principles in the service of his clientele. Currently, John is co-located in Lisbon, Portugal, and San Francisco, California. His family lives in Lisbon, and they enjoy exploring continental Europe, meeting new friends, and learning new languages.

Jack Buttjer is a Marketing Technologist and the Founder and CEO of House of Work - a full service agency focused on marketing and design.

Jack is helping independent advisors attract and serve high-net-worth individuals with digital marketing and business automation. He has helped dozens of firms worldwide grow their AUM to upwards of 400%.

Jack has a background of knowledge such as website development, CRM development, search engine optimization, conversion rate optimization, video and audio production, copywriting and digital advertising.

He enjoy's the creative aspect of marketing the most but also values the relativity of data and analytics when making business decisions.

Jack lives in the Des Moines metro with his wife Courtney and their two cats.

Matt J. Goren, PhD CFP® designs and delivers industry-leading financial planning education at scale. His approach combines lessons from his own teaching experience with best practices in adult education, artificial intelligence, and organizational psychology. He is an Investment News “40 under 40” and his courses and programs have won national awards from ThinkAdvisor, Investopedia, Yahoo! Finance, and the AFCPE.

Matt is the Chief Strategy Officer for the Danko Education, which helps thousands of current and future financial planners pass the CFP exam. Collectively, those folks go on to provide financial advice and planning to millions of people.

Matt co-founded the Global Financial Planning Institute to promote competency in the cross-border financial planning space. In addition, he is a FinServ mentor and serves with the Financial Planning Association and the Academy of Financial Services to advance financial planning education in higher education and to career changers around the world.

Previously, from 2023 to 2025, Matt ran Dalton Education as VP of Financial Planning Education at CeriFi. From 2022 to 2023, Matt worked at CFP Board as Director of Knowledge for Practice. From 2018 to 2022, he worked in a series of roles at The American College of Financial Services, culminating as the director of their CFP® and ChFC programs. From 2016 to 2018, he was a professor of personal finance at the University of Georgia. And, from 2016 to 2020, he created and produced the lighthearted personal finance show Nothing Funny About Money on NPR. Before switching careers to financial planning, Matt ran the psychology research consulting firm Beyond Berkeley and taught psychology and statistics courses at UC Berkeley and the University of Georgia.

Matt has a Ph.D. in social psychology from UC Berkeley, an MS in social psychology from the University of Georgia, and a BS in psychology with minors in statistics and history from the University of Florida.

Yulissa Zulaica is the Managing Partner at JKZ LLP. Her estate planning practice includes representing high net worth clients and cross-border issues in estate planning. She has also served as an expert witness in matters relating to international planning. In addition, Yulissa has extensive experience with probate and trust administration and litigation, and she represents clients in court on contested and uncontested matters. Yulissa is a frequent speaker on topics related to estate and probate matters, including wealth transfer strategies and tax planning.

Yulissa has contributed to various publications for Continuing Education of the Bar (CEB). She is a member of the State Bar of California and the Trusts and Estates Section of the Bar Association of San Francisco. She has been named a Northern California Super Lawyer since 2017. She earned two B.A.s from the University of California, Berkeley and her J.D. and L.L.M. in Tax from Golden Gate University.

Yulissa has been an advocate in the community for most of her life. Over the years she has dedicated her free time with many organizations, including but not limited to the Volunteer Legal Services program of the San Francisco Bar Association, the Latino Community Foundation, and the Women’s Cancer Resource Center and various political campaigns. She also served on the Boards of San Francisco La Raza Lawyers Association, Bay Area Latino Lawyers Fund and Thousand Currents.

Artur Saraiva is a distinguished global business leader and entrepreneurial innovator with a global career spanning key markets, bringing a wealth of international expertise to the complex world of global mobility. Having lived in five countries and holding advanced degrees in Quantitative Finance and Investment Banking from the University of Reading in the UK, Saraiva has established himself as a prominent expert in global mobility, real estate investments and international residency strategies.

In 2017, Saraiva founded Global Citizen Solutions, channeling his extensive international experience into a venture that addresses the evolving needs of global professionals and investors. His career is characterized by a deep commitment to helping individuals and organizations navigate the intricate landscape of international opportunities, with a specialized focus on developing comprehensive Plan B solutions for high-net-worth individuals and global entrepreneurs.

Miguel Sosa is the founding partner of Premia Global Advisors, LLC, a private wealth management advisory firm based in South Florida, serving multi-jurisdictional and multi-generational clients.

Previously, Mr. Sosa worked at Merrill Lynch for more than 30 years, most recently in its Private Banking and Investment Group, where he obtained his Global Institutional Consulting (GIC) Designation and served as a qualified Portfolio Manager. He was a member of the firm’s Advisory Council to Management from 2002 to 2005. Recently, Mr. Sosa served as a panelist on the Managing Investments in a Volatile, Low-Yield Environment session at the Global Private Wealth Summit, New York, April 2017.

Prior to joining Merrill Lynch, Mr. Sosa was a member of the U.S. Air Force. During his time of service, he received two Air Force Commendation medals.

He earned his B.A. from the University of Maryland. He holds the Certified Investment Management Analyst^® (CIMA^®) designation.

Zeev Fisher is admitted as a lawyer in Portugal, the UK, Ireland and Israel and an IRS Enrolled Agent in the U.S. He is one of Europe's leading cross-border tax experts. He is the founder of Fresh Portugal, one of the largest expat legal advisories in Portugal focusing on expats. He is also an active member of CORE Angels Lisbon, a startup mentor in a number of incubators and one of the partners of LXL Ventures, a Golden Visa fund tailored for U.S. investors.

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