U.S. expat in Ecuador
Firsthand experience with the practical friction of maintaining a financial life across borders.
About FBAR HQ
A focused service, with a person behind it.
FBAR HQ exists to make straightforward foreign-account reporting easier to scope, price, and complete—without pretending every situation is simple.
Meet Chip Moreno
Direct contact from the first message.
Chip Moreno is a U.S. expat living in Ecuador and the founder of FBAR HQ. He built the service around a simple idea: a routine individual FBAR should have a visible price, a contained process, and an obvious place to ask for help.
Chip holds a current IRS Preparer Tax Identification Number and a B.S. in Computer Science. He is not an attorney, certified public accountant, or enrolled agent. A PTIN is an identifying number for paid federal tax-return preparers—not a certification, license, or signal of IRS endorsement.
Every public inquiry is designed to reach Chip without collecting the financial records that belong in a private engagement workflow.
Published background
Relevant facts, stated plainly.
Current IRS PTIN holder
A PTIN identifies a paid federal tax-return preparer; it is not a license or professional designation.
B.S. in Computer Science
A systems background that informs a precise, process-oriented approach to service delivery.
Operated by Iterative Systems LLC
FBAR HQ is a focused service brand with transparent boundaries and published standard pricing.
FBAR HQ
A productized FBAR service.
FBAR HQ focuses only on fixed-price individual FBAR preparation and focused FBAR consultations. It does not prepare income-tax returns or Form 8938, provide legal advice, or offer penalty defense or audit representation.
Explore FBAR preparationRelationship to FileAbroad
A separate expat tax brand.
Chip also founded FileAbroad, which provides broader U.S. expat tax services and may include FBAR work within broader or custom expat-tax engagements. FileAbroad participates in IRS e-file as an Authorized IRS e-file Provider. That status concerns federal tax-return e-filing—not FinCEN FBAR filing—and it does not mean IRS endorsement.
FBAR HQ is not a copy or alternate address for FileAbroad. FBAR HQ is the standalone, published-price service for straightforward timely individual FBAR preparation and focused consultations, with its own content, inquiries, and engagement decisions. FileAbroad remains unchanged.
Written by Chip MorenoReviewed September 5, 2026. This page offers general information, not legal or tax advice.
FBAR HQ is operated by Iterative Systems LLC. It is not affiliated with or endorsed by the IRS, FinCEN, the U.S. Department of the Treasury, or any government agency.
Ready when you are
A short inquiry goes directly to Chip.
Tell him the timing and approximate account count, without financial details. Expect a response within one business day.