Four services, one method: your numbers, a written plan, a follow-up
All sessions are one-to-one, held in person at our Madrid office or by video call. You pay for time and expertise — never a percentage of what you invest, and never a commission on a product.
Personal Budget Planning
Most budgets fail because they are built on guesses. We start with three months of your real account activity, sort every euro into categories that make sense for your household, and then design a monthly plan you can maintain in under 30 minutes a week. The result is not a restrictive diet — it is a clear picture of what you can spend, save and put aside without anxiety.
Who it's for: anyone whose salary disappears before the month does; couples merging finances; freelancers with irregular income who need a stable baseline.
Investment Planning Education
This service teaches you how investing works before you commit money to it: what diversification actually means, why costs compound just like returns, how index funds differ from active products, and how to judge whether a proposal you received elsewhere is reasonably priced. We do not manage money and we do not recommend specific securities — we make sure you understand the landscape well enough to decide for yourself.
Who it's for: first-time investors with savings sitting idle; anyone comparing pension plans or fund offers and wanting an independent second look.
Debt Management Coaching
Debt problems are usually ordering problems: several balances, different interest rates, and no clear sequence. We list everything you owe, rank it by real cost, and build a repayment schedule that fits inside your existing budget — then we stay with you. Monthly check-ins keep the plan alive when an unexpected expense tries to knock it over, and we renegotiate the calendar when life changes.
Who it's for: households carrying credit card or consumer loan balances; anyone paying only minimums; people considering consolidation and wanting to understand the trade-offs first.
Retirement Readiness Planning
Retirement planning in Spain means combining the state pension, any employer plans, and private savings into one projection. We estimate what your current trajectory produces at your target age, identify the gap in monthly income, and translate that gap into a savings rate you can start this year. The plan is reviewed against conservative, moderate and optimistic scenarios so you can see the range rather than a single fragile number.
Who it's for: professionals in their 40s and 50s checking whether they are on track; anyone who changed countries or careers and lost sight of fragmented pension rights.
Not sure which service fits?
Write a few lines about your situation and we'll point you to the right starting point — no obligation.
Prefer to read first? Our blog articles cover the same method in writing.