I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families, business owners and professionals in Madrid to organise and grow their wealth through personalised wealth advice, selecting investment funds from Bankinter's available offering.
Madrid is home to executives, family businesses and professionals in private practice facing significant wealth decisions: what to do with the proceeds of a sale, how to plan succession, how to invest without taking risks that are not right for you. That is where an advisor focused solely on your interests adds real value.
I select investment funds one by one from Bankinter's available offering, based on your time horizon, your tax position and your real tolerance for risk. No model portfolio rolled out at scale. The strategy is designed for you, not to fit you into a template.
Clients with wealth from €300,000 upwards who have reached the point where improvising becomes costly. If you have capital that deserves to be managed with sound judgement, let's talk.
Initial meeting, no obligation — in person in Madrid or by video call if you prefer. The level of personal attention and ongoing follow-up is the same in both cases.
The questions that reach us from Madrid repeat themselves: how to diversify when much of your wealth sits in shares or stock options of your own employer, what to do with the proceeds of selling a company, how much is needed to stop working before 60, 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 by video call, or face to face when we are both in Madrid. 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.
Madrid concentrates corporate headquarters, law firms, funds and a high share of executives with variable pay, shares and incentive plans. In our meetings we see professionals with very high incomes and little time, business owners relocating to the region for its tax rules, wealth with a heavy property weighting and families who have received an inheritance or a gift. The usual decision is turning that wealth into a plan that does not depend on the salary.
At present the Region of Madrid applies a 100% relief on Wealth Tax, although net wealth above EUR 3 million is taxed under the national tax on large fortunes, which remains in force. For Inheritance and Gift Tax, spouses, children and parents have a 99% relief, and siblings, nephews, nieces, uncles and aunts 25%. It is worth reviewing every year, as the rules 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 by video call with clients across Spain and travel to Madrid when the meeting calls for it.