I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families and professionals in Pamplona and Navarre manage their wealth in a personalised way, taking account of one key piece: the Navarrese tax regime.
The Economic Agreement gives Navarre its own rules for income tax and for inheritance and gift tax. Planning an inheritance, a sale or your retirement in Navarre is not done the same way as in common territory. Your strategy starts from that framework, not from a generic one.
I choose funds one by one from everything the market offers, according to your case. No model portfolio handed out in series and no closed catalogue from a single manager. The strategy is designed for you.
Wealth from EUR 300,000 upwards that needs order and judgement: family businesses, professionals and families facing a significant decision about their assets.
A first meeting with no commitment, in person or by video call. Closeness is measured by the follow-up.
The questions that reach us from Pamplona and Navarre repeat themselves: how to plan an inheritance or a lifetime gift under the Navarrese tax regime, what to do with the proceeds of selling a company, how much is needed to retire without lowering your standard of living, and how to organise the wealth of a family business. 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.
Yes, that is the starting point. The Economic Agreement gives Navarre its own rules for income tax and for inheritance and gift tax, with different rates and reliefs from common territory. Planning an inheritance or a sale without that framework in front of you usually proves expensive.
Not necessarily. The first meeting can be face to face or by video call, whichever you prefer. The follow-up afterwards is the same either way.
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.
Navarre is one of the most industrial economies in Spain: car manufacturing, renewable energy, agri-food, private healthcare and two universities. In Pamplona we see executives and healthcare professionals with high incomes and steady savings, automotive suppliers preparing succession and families with farming wealth in the Ribera. The usual picture is well-built wealth with no common strategy across pension plans, portfolio and property.
Navarre has its own provincial tax regime, with its own income tax and Wealth Tax: at present the Wealth Tax exempt minimum is EUR 550,000. For Inheritance Tax, spouses and children pay nothing on the first EUR 250,000 and the excess is taxed at its own reduced rates. It is worth reviewing every year, as provincial rules are updated often. 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 with clients in Navarre and coordinate every decision with your tax adviser so that it fits the provincial framework.