I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families, business owners and professionals in Girona organise and grow their wealth with personalised advice, selecting funds from across the whole market.
Girona is home to family businesses, professionals and senior managers 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 across the whole market, 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 Girona 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 Girona repeat themselves: what to do with the proceeds of selling a company, how to plan the handover of the family business, 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 Girona or by video call, whichever you prefer. The follow-up afterwards is the same either way.
We work with open architecture: we select from the funds of Spanish and international managers available in the market, not a closed catalogue. The cost to you is the same as buying that fund at any other distributor.
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.
Girona combines family agri-food and industrial businesses with tourism and second homes on the Costa Brava, and a significant international resident community given its proximity to France. In our meetings we see families with holiday property that yields less than it seems, meat and metal industry owners preparing succession and foreign residents who want to organise their wealth under Spanish tax rules.
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 work in Spanish, Catalan or English and coordinate your residence status and assets abroad with your tax adviser.