I am Eduardo Estallo, a financial advisor registered with the CNMV. I help families, business owners and professionals in Zaragoza organise and grow their wealth with personalised advice, selecting funds from across the whole market.
Zaragoza is home to family businesses, professionals and senior managers facing decisions that carry weight: what to do with the proceeds of a sale, how to plan the handover, how to invest without taking on risks that do not belong in your plan. That is exactly where professional advice makes the difference.
I select funds one by one from across the whole market, based on your time horizon, your tax situation and your real tolerance for risk. No model portfolio handed out in series. The strategy is designed for you, not to fit you into a template.
Wealth from EUR 300,000 upwards that has reached the point where improvising gets expensive. If you have capital to manage properly, let's talk.
A first meeting with no commitment, in person in Zaragoza or by video call if you prefer. The level of attention and follow-up is the same either way.
The questions that reach us from Zaragoza 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 face to face in Zaragoza 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.
Zaragoza is an industrial and logistics capital: car manufacturing and its supplier base, logistics platforms, agri-food and a university that produces highly qualified professionals. In our meetings we see executives with variable pay, second- and third-generation business owners and professionals whose wealth is spread across property, shareholdings and cash with no plan. The most common decision is what to do with the capital after selling or handing over the family business.
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 plan the transaction well in advance and, after the sale, where the capital goes, working alongside your tax and legal advisers.