I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families, business owners and professionals in Barcelona organise and grow their wealth with personalised advice, selecting funds from Bankinter's available offering.
Barcelona is home to family businesses, senior managers and professionals facing decisions that carry weight: what to do with the proceeds of a sale, how to plan the handover, how to invest without taking on risks that do not belong in your plan. That is exactly where professional advice makes the difference.
I select funds one by one from Bankinter's available offering, based on your time horizon, your tax situation and your real tolerance for risk. No model portfolio handed out in series. The strategy is designed for you, not to fit you into a template.
Wealth from EUR 300,000 upwards that has reached the point where improvising gets expensive. If you have capital to manage properly, let's talk.
A first meeting with no commitment, in person in Barcelona or by video call if you prefer. The level of attention and follow-up is the same either way.
The questions that reach us from Barcelona repeat themselves: what to do with the proceeds of selling a company, how to diversify when much of your wealth sits in shares or stock options of your own employer, how much is needed to retire without lowering your standard of living, and inheritances that have to be sorted out between several siblings. These are decisions you make once and they shape the following decade.
From EUR 300,000. Below that figure, the level of personal follow-up we provide does not pay off for the client. If you are close to the threshold, tell us and we will look at it with no commitment.
Not necessarily. The first meeting can be face to face in Barcelona or by video call, whichever you prefer. The follow-up afterwards is the same either way.
We select funds from different asset managers within Bankinter's available offering, according to your goals and risk profile. For the fund portfolio covered by this service, our advice and ongoing support do not add advisory fees for the client. Bankinter pays our team, and that remuneration does not vary with the fund we recommend. To compare proposals, check the same share class and ISIN, together with all product and account costs.
That is the usual situation. We review what you hold, what fees you are paying and what fits your plan. In Spain, switching between investment funds is not taxed until you redeem, so reorganising a portfolio need not trigger a tax bill.
Barcelona brings together corporate headquarters, technology, pharma and biotech, tourism and an industrial tradition that lives on in family business. In our meetings we see executives with shares and stock options concentrated in their employer, founders after a funding round or a sale, professionals with property wealth and families preparing the second generation. The most common decision is how to diversify without triggering a large tax bill.
At present Catalonia applies a Wealth Tax exempt minimum of EUR 500,000, below the national level, with its own scale reaching 3.48% and no general relief. For Inheritance Tax, the spouse has a 99% relief, while for children over 21 the relief decreases with the taxable base and disappears on large estates. It is worth reviewing every year, as the regional income tax bands also change. We do not provide tax advice; we coordinate with your tax adviser.
We work by video call and also in person when we agree to. Our office is in Huesca; the follow-up is the same either way.
From EUR 300,000. Below that, the follow-up we provide does not pay off for the client. Investments involve risk, which is why we start with your situation, not with a product. If you are close to the threshold, tell us and we will look at it.
Yes. We plan staged sales and diversification, working alongside your tax adviser.