I am Eduardo Estallo, a financial advisor registered with the CNMV. I work alongside families and professionals in Logrono and La Rioja to manage their wealth with a transparent model: we select funds from across the whole market and we charge for the service.
I work from Huesca, a short hop from La Rioja, so combining a close working relationship with a selection of funds from across the whole market is straightforward. I know the client profile of the area well: family businesses, agro-industrial wealth and professionals who want their savings to work without nasty surprises.
I choose funds one by one from everything the market offers, according to your particular situation. No model portfolio handed out in series and no catalogue from a single house. Flexibility is what makes the difference over the long run.
Wealth from EUR 300,000 upwards at moments that call for judgement: an inheritance, a sale, retirement, or idle cash losing value every year.
A first meeting with no commitment, in person or by video call. Closeness is set by the follow-up, not by the miles.
The questions that reach us from Logrono and La Rioja repeat themselves: what to do with the proceeds of selling a company or an agro-industrial business, how to plan the handover of the family firm, how much is needed to retire without lowering your standard of living, and money sitting in the bank losing purchasing power. 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. We work from Huesca, a short hop from La Rioja, so the first meeting can be face to face 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.
La Rioja lives on wine and everything around it: family wineries, vineyards, supplier industries, agri-food and the footwear industry in Arnedo. In Logrono we see winemaking families preparing the handover, business owners who have sold shareholdings and professionals with savings and no clear destination for them. The most frequent decision is how to bring liquidity to wealth heavily concentrated in land and winery without losing control of the business.
At present La Rioja applies a 99% relief on Inheritance and Gift Tax for spouses, children and parents with no cap on the taxable base, which makes succession planning much easier. On Wealth Tax it has approved a general relief that, while the national tax on large fortunes remains in force, does not apply in practice to net wealth above EUR 3 million. It is worth reviewing every year. 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 organise the financial wealth around the winery and plan liquidity and the handover, working alongside your tax adviser.