I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families, business owners and professionals in Valencia to organise and grow their wealth through personalised wealth advice, selecting investment funds from Bankinter's available offering.
Valencia is home to family businesses, professionals in private practice and executives 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 Valencia 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 Valencia 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 by video call, or face to face when we are both in Valencia. 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.
Valencia is port, industry and family business: car manufacturing and its suppliers, agri-food and citrus, furniture, ceramics in the neighbouring province and a very active property and tourism sector. In our meetings we see second-generation business owners preparing the handover, professionals with savings and no strategy and families with property on the coast. The most frequent decision is what to do with the cash after selling the company or a property.
At present the Valencian Community applies a Wealth Tax exempt minimum of EUR 1,000,000, with an increase announced for coming years. For Inheritance and Gift Tax, spouses, children, parents and grandparents have a 99% relief, and a progressive relief has been introduced for siblings, uncles, aunts, nephews and nieces. It is worth reviewing every year, as these measures have changed several times. 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. The first meeting can be in person in the region when we agree to it, and the usual follow-up is by video call.