Estate and succession planning
Organise family assets and prepare the generational handover with the tax framework in mind.
What is included
Inheritance and gifts
Family protocol
Coordination with your tax adviser
Who it is for: For families who want their estate in order: wills, gifts, inheritances and the liquidity to meet the taxes.
What is worth knowing
01
The will
It is made before a notary and lets you decide how your assets are shared within the limits of the law. Without a will, the estate follows the rules of intestate succession.
Products Agustín can arrange for you
Pension plans
Contributions reduce your income tax base, within legal limits.
Plans for the self-employed
Simplified employment plans with a higher deductible limit.
Tax-advantaged savings insurance
PIAS and SIALP, each with its own tax treatment.
Life insurance
Protects the family and helps with inheritance planning.
Funeral insurance
Includes assistance with preparing a will.
Tax payment loan
Spread personal tax payments.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
How we work
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
Support
I support you through the process and review progress with you when your circumstances change.
What to bring to the meeting
- ID/NIE
- Current policies
- Summary of family assets
Watch out for
Tax rules change and depend on your residence and that of your heirs. Always check your case with a tax adviser before deciding.
An estate made up mostly of property can leave your heirs without the cash to pay the taxes.
A gift during your lifetime has different tax and future effects from an inheritance: it is not the same, nor always cheaper.
Frequently asked questions
No. My role is to help you organise the planning and prepare the liquidity. Settling the taxes is for a tax adviser or a lawyer.
General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.
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A complete view of what you own and what you want to achieve, with a staged plan.
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Net-yield analysis and financing structure for residential and commercial assets.
Talk about thisShall we look at your own case?
A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.
General information only. It is not personalised advice or a contractual offer.