Wealth planning
A complete view of what you own and what you want to achieve, with a staged plan.
What is included
Portfolio review
Diversification
Regular follow-up
Who it is for: For anyone who already has assets (savings, investments, property) and wants to organise, diversify and review them with a long-term view.
What is worth knowing
01
Goal first
A wealth plan starts from your goals, your time horizon and the liquidity you need. Products come afterwards.
Products Agustín can arrange for you
Funds by risk profile
From conservative to equities, including sustainable funds.
Managed portfolios
Professionals make the investment decisions within your profile.
Stocks and ETFs
Spanish and international shares and exchange-traded funds.
Investment insurance
Unit-linked policies with different portfolios.
Pension plans
The retirement piece of the overall plan.
Foreign currency
Investing and exchanging in other currencies.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
Simulate your savings
Illustrative projection assuming a constant return. It guarantees no result.
You would reach it in year 15
Final capital
€53,232
23 % of the final capital is return
Contributed
€41,000
Interest earned
€12,232
The cost of waiting
Starting in 5 years with the same contribution would leave you €18,537 less at the end.
Informative simulation with an assumed constant return, no guarantee, before taxes and fees. Markets fluctuate and you may lose part of the capital invested.
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
- Summary of your current products
- How much you can save each month
Watch out for
A complex product you do not understand is not a good option, however profitable it looks.
Always ask what it costs in total (management, custody, fees) and what risk it carries.
Concentrating everything in one asset, sector or country multiplies risk.
Frequently asked questions
There is no universal minimum. What matters is being clear on your goal, your timeframe and your capacity to tolerate fluctuations.
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.
Related services
Accounts and cards
Everyday banking done right: clear fees, cards that fit how you spend, and direct support.
Talk about thisSaving and investing
Deposits, funds and savings plans matched to your horizon and risk tolerance.
Talk about thisEstate and succession planning
Organise family assets and prepare the generational handover with the tax framework in mind.
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.