Financial advice for Individuals and Families

Wealth advisory is a professional service designed to help individuals, families and business owners structure, protect and grow their wealth in line with their financial objectives, tax situation and risk tolerance.

It’s not simply about “investing money”.
It’s about making financial decisions within a broader long-term strategy.

An independent financial advisor operates with an open-architecture model and is not restricted to the products of a single institution.

This allows for:

• more objective decision-making
• tailored portfolio construction
• greater flexibility
• reduced conflicts of interest

By contrast, many banks prioritize proprietary products or internal commercial targets.

There is no universal threshold.

What matters most is not only the size of the portfolio, but also:

• financial complexity
• investment decisions that need to be made
• tax and succession considerations
• personal or business circumstances

Wealth advisory is particularly valuable for:

• entrepreneurs
• investors
• families with financial or real estate assets
• individuals seeking a more structured approach to managing wealth

The process usually begins with a comprehensive review of the client’s financial situation.

From there, the advisory framework may include:

• wealth structuring
• portfolio allocation
• tax planning
• liquidity analysis
• succession planning
• risk management

The goal is to build a coherent and sustainable long-term strategy

Yes.

Independent wealth advisory does not necessarily require changing banks or custodians.

Many clients maintain their existing banking relationships while receiving independent strategic oversight and portfolio guidance.

A well-structured wealth plan helps clients:

• make more informed decisions
• reduce financial mistakes
• improve tax efficiency
• manage risk more effectively
• maintain liquidity and flexibility
• align wealth with long-term life goals

The objective is not only performance, but long-term financial coherence.

Tax efficiency is a core component of any serious wealth strategy.

For that reason, wealth advisory often incorporates:

• investment tax impact analysis
• wealth optimization strategies
• succession considerations
• corporate structuring
• long-term fiscal efficiency

When necessary, this process is coordinated alongside specialized tax professionals.

Yes — but always within a structured and risk-aware framework.

Cryptoassets should not be treated as isolated speculative positions, but rather as a potential asset class within a broader wealth allocation strategy.

Important considerations include:

• volatility
• liquidity
• taxation
• custody solutions
• appropriate portfolio weighting

An EAF (Empresa de Asesoramiento Financiero) is a regulated financial advisory firm authorized to provide independent financial advice.

In Spain, EAFs are supervised by the CNMV and must comply with strict regulatory, transparency and investor protection standards

A portfolio is simply a tool.

A true wealth strategy takes into account:

• personal objectives
• family circumstances
• business interests
• tax considerations
• retirement planning
• succession planning
• liquidity needs

Wealth is not built by accumulating products — it is built through coherent decision-making within a structured framework.

A wealth strategy should be reviewed periodically, especially when there are:

• personal life changes
• business developments
• significant market movements
• tax or regulatory changes
• new financial objectives

Wealth planning is an ongoing process — not a one-time decision.

That depends on the type of guidance and flexibility an investor is looking for.

Many investors value independent advisory because it provides:

• a more objective perspective
• open architecture
• customized strategies
• alignment with client interests

What matters most is ensuring that financial decisions are driven by the client’s objectives — not by institutional sales targets.