Make your money decisions with a plan, not a guess
One-to-one consulting for people who want a clear budget, a realistic path out of debt, and a calm, structured approach to investing. No products to sell you — just independent advice and a written plan you can follow.
Four ways we help you get organised
Every engagement starts from your real numbers — income, expenses, debts and goals — and ends with a written plan you actually understand.
Personal Budget Planning
A monthly budget built around your life, with a system you can keep up in under 30 minutes a week.
Learn moreInvestment Planning Education
Understand diversification, costs and risk before you put a euro to work. Educational, not sales.
Learn moreDebt Management Coaching
A prioritised repayment order, a timeline, and monthly check-ins until the balances reach zero.
Learn moreRetirement Readiness Planning
Project where you stand, estimate the gap, and set a savings rate that closes it over time.
Learn more
Advice from someone who works for you, not a bank
I'm Jose Andres Lopez. I founded this practice in Madrid in 2019 after a decade inside retail banking, where I saw how often "advice" was really a sales target in disguise. Here, the model is simple: you pay for my time, and my time is spent on your plan.
- Fee-only consulting — no commissions, no product placement
- Written plans and summaries after every session
- Plain language in English or Spanish
Practical reading, no jargon
Short guides we send to clients between sessions — now public for everyone.
How to Build an Emergency Fund in Six Months
A month-by-month schedule that gets most households to a three-month cushion without wrecking the rest of the budget.
50/30/20 vs Zero-Based Budgeting: Which Fits You?
Two popular systems, compared honestly — including who each one tends to fail.
A Beginner's Guide to Diversified Investing
What diversification actually means, why costs matter more than picks, and how to start small.
What people say after working with us
"For the first time in ten years I know exactly where my salary goes. The written plan after our second session is still pinned above my desk."
Lucia GomezMarketing manager, Madrid
"Jose explained index funds and fees without once trying to sell me anything. That alone was worth the session fee."
Andres MartinSecondary school teacher, Getafe
Ready to see your numbers clearly?
First consultations are 60 minutes and end with a concrete next step — even if you never book again.