I have just joined your forum in hopes to get some real answers from real people who feel the same way we do. We are retiring to Ecuador in June 2012 most likely on the ocean (Crucita)or a little south of Manta.We live in Ontario Canada right now. We are in the process of selling off all our goods and home,cars,boats and timeshares. If anyone can help us with banking - especially pensions automatically dep. into Canadian accounts and how to get monies to Ecuador. Recommend a bank in Ecuador that we could deal with. We also have visa and residency questions. If anyone is available to talk this through with us - please contact us.