I am Eduardo Estallo, a financial advisor registered with the CNMV, and I manage the wealth of families and professionals in Huesca and across Aragon with a single criterion: yours. Close, technically rigorous advice, dealing with me directly.
My job is not to place a particular product with you, it is to design the strategy that fits your situation. I select funds according to your time horizon, your tax position and your real tolerance for risk, and I explain every decision in language you understand. You decide, with the facts in front of you.
I do not hand the same model portfolio to every client. I select funds one by one from everything available in the market, according to your particular case. That flexibility is what tells over the long run.
Families and professionals with wealth from EUR 300,000 upwards at a moment when improvising is unwise: an inheritance, the sale of a company, a retirement to plan, or money sitting idle and losing purchasing power.
I am based in Huesca, so the first meeting can be face to face, with no jargon and no commitment. And if you prefer to work remotely, the service is just as close. What makes an advisor close is not distance, it is picking up the phone when you need them.
The questions that reach us from Huesca and the rest of Aragon repeat themselves: what to do with the proceeds of selling a company, how much is needed to retire without lowering your standard of living, money sitting in the bank losing purchasing power, 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 Huesca 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.
Huesca is our home and where we hold most of our meetings. Wealth in the province rests on family agri-food businesses in Somontano, Cinca Medio and La Litera, on livestock and irrigated farms, on Pyrenees tourism and on professionals in the city. What we see most often: cash from selling a farm or a business, a generational handover with children who no longer live here, and land that has to be shared among siblings without hurting the family.
At present Aragon does not offer a relief on Wealth Tax: the exempt minimum is EUR 700,000 and the top rate reaches 3.5%. For Inheritance Tax, spouses and children have a reduction of up to EUR 500,000 on the taxable base, and the regional government has announced extending the 99% relief to children over 21, ascendants and spouses, so it is worth checking every year where that measure stands. 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 travel around the province when the meeting calls for it and handle the rest of the follow-up by video call.