{"id":3038,"date":"2026-02-11T09:39:21","date_gmt":"2026-02-11T09:39:21","guid":{"rendered":"https:\/\/joseselles.com\/familienvermoegensplanung\/"},"modified":"2026-02-11T10:52:16","modified_gmt":"2026-02-11T10:52:16","slug":"familienvermoegensplanung","status":"publish","type":"page","link":"https:\/\/joseselles.com\/de\/familienvermoegensplanung\/","title":{"rendered":"Familienverm\u00f6gensplanung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3038\" class=\"elementor elementor-3038 elementor-3028\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d103cf e-con-full e-flex e-con e-parent\" data-id=\"1d103cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d488c78 e-con-full e-flex e-con e-child\" data-id=\"d488c78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29bb32d elementor-widget elementor-widget-video\" data-id=\"29bb32d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2024\/09\/WhatsApp-Video-2024-07-17-at-12.45.50.mp4\" autoplay=\"\" controls=\"\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c55702 e-con-full e-flex e-con e-child\" data-id=\"6c55702\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f352965 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f352965\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Familienverm\u00f6gensplanung<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c260797 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c260797\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">K\u00fcmmere dich um das, was du aufgebaut hast<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d059d elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b9d059d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fordern Sie einen kostenlosen Termin an, um zu sehen, wie wir Ihnen helfen k\u00f6nnen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e02c562 elementor-mobile-align-center elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e02c562\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/+34660845921\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VEREINBAREN SIE EINEN KOSTENLOSEN TERMIN<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03275cc e-flex e-con-boxed e-con e-child\" data-id=\"03275cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3e673fb e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"3e673fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04ec4e6 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"04ec4e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"172\" height=\"144\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/Captura-de-pantalla-2024-05-31-a-las-14.54.01.png\" class=\"attachment-medium size-medium wp-image-1899\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e954a elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"18e954a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-mid-adult-businesswoman-smiling-agains-5F3S7X7.jpg\" class=\"attachment-large size-large wp-image-1829\" alt=\"\" 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width=\"800\" height=\"800\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-successful-adult-businesswoman-8Q6WRTK.jpg\" class=\"attachment-large size-large wp-image-1831\" alt=\"\" srcset=\"https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-successful-adult-businesswoman-8Q6WRTK.jpg 1000w, https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-successful-adult-businesswoman-8Q6WRTK-300x300.jpg 300w, https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-successful-adult-businesswoman-8Q6WRTK-150x150.jpg 150w, https:\/\/joseselles.com\/wp-content\/uploads\/2024\/05\/portrait-of-successful-adult-businesswoman-8Q6WRTK-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c28896c elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"c28896c\" 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class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb57deb elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"bb57deb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mehr als 700 zufriedene Kunden<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-909909c e-flex e-con-boxed e-con e-parent\" data-id=\"909909c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c20804 elementor-widget 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data-options='{\"speed\":3,\"autoplay\":true,\"mousestop\":true,\"breakpoints\":\"\"}'><div class=\"grw-header\"><div class=\"grw-header-inner rpi-flx rpi-row12\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/places\/ANXAkqH0T9FdW1qJ5DpbgkAudj2l9NvBe6q5ZJJaiyEHBZiUYhwE0-En22tk6pI02wuWA65ynVKV9ayD6IJrktmYMYsGMBuIk3nS6EU=s1600-w300-h300\" loading=\"lazy\" alt=\"Ortsbild von \u201eJos\u00e9 Sell\u00e9s - Financial Advisor\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7')this.src='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';\" ><\/div><div class=\"rpi-flx rpi-col8\"><div class=\"wp-google-name\"><a href=\"https:\/\/maps.google.com\/?cid=12910005258451846611\" target=\"_blank\" rel=\"nofollow noopener\">Jos\u00e9 Sell\u00e9s - Financial Advisor<\/a><\/div><span class=\"rpi-stars\" style=\"--rating:5.0\">5.0<\/span><div class=\"wp-google-based\">Basierend auf 22 Bewertungen<\/div><div class=\"wp-google-powered\">powered by <span><span style=\"color:#3c6df0!important\">G<\/span><span style=\"color:#d93025!important\">o<\/span><span style=\"color:#fb8e28!important\">o<\/span><span style=\"color:#3c6df0!important\">g<\/span><span style=\"color:#188038!important\">l<\/span><span style=\"color:#d93025!important\">e<\/span><\/span><\/div><div class=\"wp-google-wr\"><a href=\"https:\/\/search.google.com\/local\/writereview?placeid=ChIJsWRVnSCTlxIR04Vy5mGNKbM\" target=\"_blank\" rel=\"nofollow noopener\" onclick=\"return rplg_leave_review_window.call(this)\">bewerte uns auf<svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"><\/use><\/svg><\/a><\/div><\/div><\/div><\/div><div class=\"rpi-slides-root grw-content\"><div class=\"grw-content-inner\"><button class=\"rpi-ltgt rpi-lt grw-prev\" tabindex=\"0\"><\/button><div class=\"rpi-slides grw-reviews rpi-slides-bite\" data-count=\"16\" data-offset=\"16\"><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUlcEkvSKCXWV8SCdVipQbXeeCrjosLeyxzMnMA3WY6QIfERNAq=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eSilvia salom bibiloni\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106282751311635815040\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Silvia salom bibiloni<\/a><div class=\"wp-google-time\" data-time=\"1746296977\">18:29 03 May 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">He tenido  una cita con Jos\u00e9 Sell\u00e9s para ayudarme con mi planificaci\u00f3n econ\u00f3mica y me he sentido muy bien atendida y escuchada.  Jos\u00e9 es muy claro y did\u00e1ctico,  explica las cosas de manera que me resulta accesible para mi, que no tengo idea de estos temas econ\u00f3micos y tambi\u00e9n tiene totalmente en cuenta mis necesidades y mi demanda.  Ha sido muy formal y es una persona que me ha hecho sentir confianza desde el primer momento.  Muchas gracias.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVYdajEjiH-o27f3y-kTteRz8FXVZC-aWRYVHSXMaWHNiG7nZmmmA=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eJoan Mart\u00ed Mir\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109555749950031012341\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Joan Mart\u00ed Mir<\/a><div class=\"wp-google-time\" data-time=\"1742541688\">07:21 21 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Confianza y credibilidad.  Gran profesional siempre dispuesto a resolver cualquier duda. Sin duda tras dos a\u00f1os, Jos\u00e9 Selles es mi asesor de confianza.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVjydNfmQZiyHoa3tR4mI_d4Lsca8I0t0jNVDyIWeoTANat9F4F3Q=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMarc Herrero\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115556253756101844041\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Marc Herrero<\/a><div class=\"wp-google-time\" data-time=\"1741968861\">16:14 14 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">La sencillez y la claridad es la gran virtud de Jos\u00e9 Sell\u00e9s. Desde el primer momento que me puse en contacto con \u00e9l me explic\u00f3 todo con mucha facilidad y sin rodeos. Solvent\u00f3 cualquier duda que tuve y me supo orientar en el momento de decidirme por un plan de futuro. Adem\u00e1s cada cierto tiempo se re\u00fane conmigo para analizar c\u00f3mo van los n\u00fameros. Muy recomendable!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIridu2_6PjK0cHThULj9V68SxpJqfrcU21iiulP1S_wqW1=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201ePedro Gadala\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113875111294891193794\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Pedro Gadala<\/a><div class=\"wp-google-time\" data-time=\"1741886431\">17:20 13 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 es un excelente asesor, muy implicado y con un trato excepcional. Se ha implicado much\u00edsimo para ofrecer una experiencia totalmente personalizada a mis finanzas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUY-PHUQWVVAvqO3Pux1jQ0X9diijGiITn_liaH6HW5toax3ux0dw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMaria Vazquez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/104523103907967764287\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Maria Vazquez<\/a><div class=\"wp-google-time\" data-time=\"1738595111\">15:05 03 Feb 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 Sell\u00e9s es un excelente asesor financiero. Desde el primer momento, se ha implicado al m\u00e1ximo para ofrecerme un servicio totalmente personalizado, ayud\u00e1ndome a organizar mis finanzas de manera clara y efectiva. Explica todo con mucha paciencia y detalle, lo que me ha dado mucha confianza en mis decisiones. Adem\u00e1s, siempre est\u00e1 disponible para resolver cualquier duda y ofrecer el mejor consejo. Sin duda, lo recomiendo a cualquiera que busque un asesor comprometido y profesional.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI32Ey41HKEP03hfQgVdiyCSxbeqMai0bwjkZpY0w2r1fgrLg=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eluciana guiscardo rivas\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115905810019806890770\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">luciana guiscardo rivas<\/a><div class=\"wp-google-time\" data-time=\"1738438297\">19:31 01 Feb 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Hace ya a\u00f1os que Jos\u00e9 me lleva todos los seguros que tengo. Y siempre, desde el principio hasta la fecha, me ha respondido de manera r\u00e1pida y con esa amabilidad que le caracteriza, consiguiendo que sintiera que si era importante para m\u00ed, tambi\u00e9n lo era para \u00e9l. Y lo mejor es que siempre me ha solucionado todos los problemas que le he planteado. Para mi es un crack.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjWlF6Tey7Rz510XVd5Q72K8pIf5p1Jc7lKUaAmgWkvv-q9RhXtv=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eRafa Sabater\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111309593296762368935\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Rafa Sabater<\/a><div class=\"wp-google-time\" data-time=\"1737974171\">10:36 27 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI67cJchkhcj0foSb5eg_D2ya51edDZvApbCW5FNJkYruAszA=s128-c0x00000000-cc-rp-mo-ba2\" loading=\"lazy\" alt=\"Profilbild von \u201eXimena Rubio\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113623730721482645824\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Ximena Rubio<\/a><div class=\"wp-google-time\" data-time=\"1737634516\">12:15 23 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">He tenido el privilegio de ser asesorada por Jos\u00e9 Sell\u00e9s y puedo decir con total confianza que es un profesional excepcional.<br \/>Lo que realmente lo diferencia es su trato cercano y emp\u00e1tico. Desde la primera reuni\u00f3n, se tom\u00f3 el tiempo para entender mis necesidades, objetivos y preocupaciones financieras. Me explic\u00f3 cada paso del proceso de manera clara y sencilla, haciendo que todo, incluso los temas m\u00e1s complejos, resultaran comprensibles.<br \/>Sin duda, lo recomendar\u00eda a cualquiera que busque un asesor competente, confiable y humano.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVBpklQO1GO2YlQgGtopkslqVkJRYdXeizJ51iJWTHxtJiP7chk=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eLorena Barrera L\u00f3pez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/102867617398155386122\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Lorena Barrera L\u00f3pez<\/a><div class=\"wp-google-time\" data-time=\"1737628434\">10:33 23 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">El trato, servicio y asesor\u00eda de Jos\u00e9 ha sido excelente desde el primer minuto. Ayuda a gestionar tus finanzas, se adapta a tu presupuesto y te aconseja sobre lo mejor para ti seg\u00fan tus objetivos. Lo recomiendo para empezar a manejar tus finanzas de otra manera. \u00a1un gusto haberme decidido a empezar con \u00e9l!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVbV5bFeqa03IoffjcVw5h06QVF_G2Q_zaZzHkSguz7mqGhCWqS=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMiguel Lage\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106261841431601821955\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Miguel Lage<\/a><div class=\"wp-google-time\" data-time=\"1734010488\">13:34 12 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 me ha ayudado much\u00edsimo a organizar mis ahorros con una estrategia m\u00e1s estable y segura. Siempre ha estado muy atento y me ha resuelto cualquier duda cuando lo necesitaba. Su orientaci\u00f3n ha marcado la diferencia. \u00a1Lo recomiendo completamente!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXZ0WbYBSN1t79MqEO2k1be_OHDbuTbNKVlJxOvzmfoQu3yQca4=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eAlejandra Sansano Mart\u00edn\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/100088900692088743222\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Alejandra Sansano Mart\u00edn<\/a><div class=\"wp-google-time\" data-time=\"1733829780\">11:23 10 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Profesional, transparente y dedicado siempre a buscar y encontrar el mejor plan que se adapte a cada cliente seg\u00fan sus necesidades y preferencias. Atenci\u00f3n completamente personalizada y con un trato cercano a la vez que excelente ante cualquier duda o cuesti\u00f3n que se te pueda plantear. Gracias Jos\u00e9 Sell\u00e9s. Recomendable 100%!!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLe41YpBPSTq7kflJv9-tMcTLXs74Fk7ODhpPuXEkoou8yV=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201ePaula R\u00f3denas Serra\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103074159663932712573\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Paula R\u00f3denas Serra<\/a><div class=\"wp-google-time\" data-time=\"1733172368\">20:46 02 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Recomendable 100%. Jos\u00e9 te escucha y valora las mejores alternativas para ti. Te lo explica todo en un lenguaje claro y siempre se asegura de que lo entiendas todo bien. Profesional y de confianza.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXddUsg_sKtO3lVgzKM6UFbL94EF47NbjuZaJwy8GqMGvdEXFmz=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eRuben Capilla\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/101550686463001167958\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Ruben Capilla<\/a><div class=\"wp-google-time\" data-time=\"1732807367\">15:22 28 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Muy contento de tener a Jos\u00e9 Sell\u00e9s a mi lado quien hace un seguimiento personalizado y adaptado a mi, la verdad que me siento muy comodo con \u00e9l y con confianza en el futuro a nivel ec\u00f3nomico.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJNbOYV7FYwJDOgB-0buYoVs4gGOV5MGF_TKlouGGML2JdOkw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eJonathan Hincapie\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103592643350517298950\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jonathan Hincapie<\/a><div class=\"wp-google-time\" data-time=\"1732732028\">18:27 27 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Estar asesorado por Jos\u00e9 Sell\u00e9s es una experiencia excelente. No solo es un gran profesional, sino tambi\u00e9n una persona cercana y emp\u00e1tica. Siempre entiende las necesidades y ofrece soluciones pr\u00e1cticas y efectivas. Su compromiso y dedicaci\u00f3n se notan en cada detalle. Sin duda, alguien en quien confiar plenamente, algo que es muy dif\u00edcil de encontrar a d\u00eda de hoy. \u00a1Muy recomendable!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLVdhxv3W0xvWUC0FZTVjvpFfxExmInf_MHclBZG6PP8U0mMrON=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMt Salvah\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108817863870605168731\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Mt Salvah<\/a><div class=\"wp-google-time\" data-time=\"1731967391\">22:03 18 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Mi experiencia con Jos\u00e9 Selles ha sido excelente: transparencia y seguridad en el asesoramiento, transmitiendo una total confianza y tranquilidad, buscando siempre la alternativa m\u00e1s favorable y rentabilidad para mi econom\u00eda. Muy profesional a la vez que cercano, he ganado en tranquilidad desde que sigo sus consejos.  Lo recomiendo, sin lugar a dudas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocILnyC8oTYO030kRU3f493-G6OGeIt8s__zMUYX5XwgaIGqqw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eana isabel lozano perez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117180940767030728533\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">ana isabel lozano perez<\/a><div class=\"wp-google-time\" data-time=\"1731956228\">18:57 18 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 es un magn\u00edfico profesional. Muy contenta con el asesoramiento que me ha prestado a m\u00ed y a mi familia, siempre cercano y atento a las necesidades de cada cliente. Nadie mejor en quien confiar para ayudarme a gestionar mis finanzas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><\/div><button class=\"rpi-ltgt rpi-gt grw-next\" tabindex=\"0\"><\/button><div class=\"rpi-dots-wrap\"><div class=\"rpi-dots\"><\/div><\/div><\/div><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.grw-row').classList.replace('grw-row-m','grw-row-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1100)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.currentScript?.parentElement)<\/script><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d19c21b e-con-full e-flex e-con e-parent\" data-id=\"d19c21b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f81a989 e-con-full e-flex e-con e-child\" data-id=\"f81a989\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae36109 elementor-widget elementor-widget-heading\" data-id=\"ae36109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Was ist Familienverm\u00f6gensplanung?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cce9419 e-con-full e-flex e-con e-child\" data-id=\"cce9419\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a0d06a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"6a0d06a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"381\" data-end=\"609\">Wenn eine Familie Jahre \u2013 manchmal Jahrzehnte \u2013 damit verbracht hat, ein solides Verm\u00f6gen aufzubauen, stellt sich unweigerlich die Frage: Was wird morgen aus all dem werden? Die Familienverm\u00f6gensplanung gibt genau auf diese Frage eine Antwort. <\/p><p data-start=\"611\" data-end=\"907\">Es geht nicht nur um Zahlen oder Rentabilit\u00e4t. Es geht darum, eine Reihe von Verm\u00f6genswerten zu ordnen, ihnen einen Sinn zu geben und sie zu sch\u00fctzen, die oft weit \u00fcber das Finanzielle hinausgehen: Familienunternehmen, Immobilien, Investitionen, Unternehmensstrukturen&#8230; und sogar Entscheidungen, die das Zusammenleben zwischen den Generationen beeinflussen. <\/p><p data-start=\"909\" data-end=\"1106\">Die Familienverm\u00f6gensplanung besteht darin, vorausschauend zu handeln. Entscheiden Sie heute, wie Ihr Verm\u00f6gen verwaltet und weitergegeben werden soll, um Improvisationen zu vermeiden, wenn es an der Zeit ist, zu handeln. <\/p><p data-start=\"1108\" data-end=\"1241\">Das Ziel besteht darin, das Erbaute zu erhalten, seinen Wert \u00fcber die Zeit zu bewahren und einen geordneten \u00dcbergang zur n\u00e4chsten Generation zu erm\u00f6glichen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ad99bb e-con-full e-flex e-con e-parent\" data-id=\"5ad99bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-240d34f elementor-widget elementor-widget-heading\" data-id=\"240d34f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Warum es sinnvoll ist, das Familienverm\u00f6gen zu planen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db863fd e-con-full e-flex e-con e-parent\" data-id=\"db863fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b67a969 e-con-full e-flex e-con e-child\" data-id=\"b67a969\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8be8c1a elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"8be8c1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRisikoschutz\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRegulatorische \u00c4nderungen, unternehmerische Verantwortlichkeiten, unerwartete pers\u00f6nliche Situationen... Das Verm\u00f6gen kann durch externe Faktoren beeintr\u00e4chtigt werden, wenn es nicht gut strukturiert ist. Die Gestaltung einer geeigneten Rechtsarchitektur reduziert das Risiko und sorgt f\u00fcr Sicherheit. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23a1852 e-con-full e-flex e-con e-child\" data-id=\"23a1852\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2ad8c elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"1b2ad8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tKoordination mit der Steuerplanung\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tIn Spanien kann die Besteuerung eine erhebliche Rolle spielen, insbesondere bei Erbschaften und Schenkungen. Durch die Einbindung der Steuerplanung in die Verm\u00f6gensstrategie lassen sich unn\u00f6tige Auswirkungen reduzieren und vorausschauend statt unter Zeitdruck handeln. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a194c71 e-con-full e-flex e-con e-child\" data-id=\"a194c71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9441ae elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"f9441ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tKonfliktfreie Nachfolge\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tViele Familienstreitigkeiten entstehen aufgrund mangelnder Klarheit, nicht aufgrund fehlender Ressourcen. Das Festlegen von Regeln, das Schaffen von Strukturen und das schriftliche Festhalten von Entscheidungen beugen Missverst\u00e4ndnissen vor, wenn die Situation besonders heikel ist. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6f1714 e-con-full e-flex e-con e-child\" data-id=\"b6f1714\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b6009a elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"8b6009a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVorbereitung auf neue Etappen\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tDer Ruhestand oder die Nachfolge im Familienunternehmen sollten nicht als Sprung ins Ungewisse erlebt werden. Eine gut durchdachte Familienverm\u00f6gensplanung ber\u00fccksichtigt, wie und wann dieser \u00dcbergang stattfinden wird, mit welchem Einkommen Sie rechnen k\u00f6nnen und welche Rolle jedes Familienmitglied weiterhin spielen wird. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b926824 e-con-full e-flex e-con e-child\" data-id=\"b926824\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a0be16 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"6a0be16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tEchte Ruhe\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tZu wissen, dass alles durchdacht, strukturiert und \u00fcberpr\u00fcft ist, vermittelt ein Gef\u00fchl, das schwer zu beschreiben ist. Es beseitigt zwar nicht die Unsicherheit, verringert aber die Fehlerquote. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5f5adf e-con-full e-flex e-con e-child\" data-id=\"b5f5adf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e762df1 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"e762df1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tSicherer Ruhestand\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tGarantiert Ihnen die Freiheit, selbst zu entscheiden, wann Sie in Rente gehen. Ein komfortablerer Ruhestand ohne finanzielle Sorgen, der es Ihnen erm\u00f6glicht, einen guten Lebensstandard im Alter zu halten. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa21948 e-con-full e-flex e-con e-parent\" data-id=\"aa21948\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-71f6ef3 e-con-full e-flex e-con e-child\" data-id=\"71f6ef3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-858c487 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"858c487\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-749424b elementor-widget elementor-widget-counter\" data-id=\"749424b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Zufriedene Kunden<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">+<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"700\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af57587 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"af57587\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-885042a elementor-widget elementor-widget-counter\" data-id=\"885042a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Menschen im Team<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">+<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"20\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7d8e3e e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e7d8e3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0f100e elementor-widget elementor-widget-counter\" data-id=\"f0f100e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Engagement f\u00fcr Sie<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"100\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41d1cb4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"41d1cb4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:1907,&quot;url&quot;:&quot;http:\\\/\\\/joseselles.com\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/working-on-their-finance-together-betters-their-fi-2023-11-27-05-35-56-utc-scaled.jpg&quot;}],&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f8a137 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0f8a137\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e922b4c e-con-full e-flex e-con e-parent\" data-id=\"e922b4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57b3371 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"57b3371\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Was umfasst in der Regel ein Familienverm\u00f6gensplan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d240ba9 e-con-full e-flex e-con e-child\" data-id=\"d240ba9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-004a470 elementor-widget elementor-widget-text-editor\" data-id=\"004a470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2873\" data-end=\"3135\">Jede Familie hat ihre eigene Realit\u00e4t. Eine Struktur mit mehreren internationalen Gesellschaften und Verm\u00f6genswerten ist nicht dasselbe wie ein Verm\u00f6gen, das sich auf Immobilien und Finanzportfolios konzentriert. Daher muss die <strong data-start=\"3067\" data-end=\"3105\">Familienverm\u00f6gensplanung<\/strong> von Fall zu Fall angepasst werden.  <\/p><p data-start=\"3137\" data-end=\"3159\">In der Regel umfasst dies:<\/p><ul data-start=\"3161\" data-end=\"3625\"><li data-start=\"3161\" data-end=\"3203\"><p data-start=\"3163\" data-end=\"3203\">Detaillierte Analyse der Verm\u00f6genswerte und Verbindlichkeiten.<\/p><\/li><li data-start=\"3204\" data-end=\"3261\"><p data-start=\"3206\" data-end=\"3261\">\u00dcberpr\u00fcfung der Eigentumsverh\u00e4ltnisse von Verm\u00f6genswerten und Beteiligungen.<\/p><\/li><li data-start=\"3262\" data-end=\"3313\"><p data-start=\"3264\" data-end=\"3313\">Bewertung der bestehenden Unternehmensstruktur.<\/p><\/li><li data-start=\"3314\" data-end=\"3378\"><p data-start=\"3316\" data-end=\"3378\">An den famili\u00e4ren Zielen ausgerichtete Anlagestrategie.<\/p><\/li><li data-start=\"3379\" data-end=\"3424\"><p data-start=\"3381\" data-end=\"3424\">Rechtsschutz gegen unvorhergesehene Ereignisse.<\/p><\/li><li data-start=\"3425\" data-end=\"3494\"><p data-start=\"3427\" data-end=\"3494\">Steuerplanung gem\u00e4\u00df den spanischen und regionalen Vorschriften.<\/p><\/li><li data-start=\"3495\" data-end=\"3548\"><p data-start=\"3497\" data-end=\"3548\">Gestaltung der Nachfolge und Verm\u00f6gens\u00fcbertragung.<\/p><\/li><li data-start=\"3549\" data-end=\"3625\"><p data-start=\"3551\" data-end=\"3625\">Regelm\u00e4\u00dfige \u00dcberpr\u00fcfungen, um den Plan an pers\u00f6nliche oder rechtliche \u00c4nderungen anzupassen.<\/p><\/li><\/ul><p data-start=\"3627\" data-end=\"3727\">Es geht nicht darum, ein Dokument zu erstellen und es zu archivieren. Es handelt sich um einen lebendigen Prozess, der im Laufe der Zeit \u00fcberpr\u00fcft werden muss. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a63799 e-con-full e-flex e-con e-parent\" data-id=\"7a63799\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84d6d08 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"84d6d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Die Rolle der Steuerplanung<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c4a52 elementor-widget elementor-widget-text-editor\" data-id=\"70c4a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3774\" data-end=\"3952\">Bei der Familienverm\u00f6gensplanung spielt die Besteuerung eine zentrale Rolle. Wird sie ignoriert, kann dies zum Zeitpunkt der \u00dcbertragung zu einem erheblichen Wertverlust f\u00fchren. <\/p><p data-start=\"3954\" data-end=\"3992\">Eine gute steuerliche Koordinierung erm\u00f6glicht:<\/p><ul data-start=\"3994\" data-end=\"4280\"><li data-start=\"3994\" data-end=\"4058\"><p data-start=\"3996\" data-end=\"4058\">Verringerung der Auswirkungen der Erbschafts- und Schenkungssteuer.<\/p><\/li><li data-start=\"4059\" data-end=\"4123\"><p data-start=\"4061\" data-end=\"4123\">Vermeiden Sie Entscheidungen, die unn\u00f6tige Steuerbelastungen verursachen.<\/p><\/li><li data-start=\"4124\" data-end=\"4213\"><p data-start=\"4126\" data-end=\"4213\">Die \u00dcbertragung von Unternehmensanteilen nach Kontinuit\u00e4tskriterien organisieren.<\/p><\/li><li data-start=\"4214\" data-end=\"4280\"><p data-start=\"4216\" data-end=\"4280\">Den richtigen Zeitpunkt f\u00fcr Spenden oder Umstrukturierungen w\u00e4hlen.<\/p><\/li><\/ul><p data-start=\"4282\" data-end=\"4429\">Es geht nicht nur darum, weniger Steuern zu zahlen, sondern auch darum, das Verm\u00f6gen zu sch\u00fctzen, damit es so weit wie m\u00f6glich unversehrt an diejenigen gelangt, die es erhalten sollen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ddc0254 e-con-full e-flex e-con e-parent\" data-id=\"ddc0254\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfcd632 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"dfcd632\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wir bieten ma\u00dfgeschneiderte L\u00f6sungen zum Aufbau starker Verm\u00f6genswerte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff9b6a0 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"ff9b6a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjE1OCwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">ICH M\u00d6CHTE EINEN TERMIN VEREINBAREN<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b31618 e-con-full e-flex e-con e-parent\" data-id=\"8b31618\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5d3c5e3 e-con-full e-flex e-con e-child\" data-id=\"5d3c5e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7216b83 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7216b83\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>TESTIMONIALS<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31db274 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"31db274\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Was unsere Kunden sagen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f97ff45 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f97ff45\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Wir arbeiten mit einem Kundenportfolio von Einzelpersonen, Freiberuflern und Unternehmen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b97eeb elementor-widget elementor-widget-shortcode\" data-id=\"2b97eeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wp-gr rpi wpac\" data-id=\"2287\" data-layout=\"slider\" data-exec=\"false\" data-options='{&quot;text_size&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;weiterlesen&quot;}}'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"display:none!important\"><symbol id=\"grw-tripadvisor\" viewBox=\"0 0 713.496 713.496\"><g><circle fill=\"#34E0A1\" cx=\"356.749\" cy=\"356.748\" r=\"356.748\"\/><path d=\"M577.095,287.152l43.049-46.836h-95.465c-47.792-32.646-105.51-51.659-167.931-51.659   c-62.342,0-119.899,19.054-167.612,51.659H93.432l43.049,46.836c-26.387,24.075-42.929,58.754-42.929,97.259   c0,72.665,58.914,131.578,131.579,131.578c34.519,0,65.968-13.313,89.446-35.077l42.172,45.919l42.172-45.879   c23.478,21.764,54.887,35.037,89.406,35.037c72.665,0,131.658-58.913,131.658-131.578   C620.024,345.866,603.483,311.188,577.095,287.152z M225.17,473.458c-49.188,0-89.047-39.859-89.047-89.047   s39.86-89.048,89.047-89.048c49.187,0,89.047,39.86,89.047,89.048S274.357,473.458,225.17,473.458z M356.788,381.82   c0-58.595-42.61-108.898-98.853-130.383c30.413-12.716,63.776-19.771,98.813-19.771s68.439,7.055,98.853,19.771   C399.399,272.962,356.788,323.226,356.788,381.82z M488.367,473.458c-49.188,0-89.048-39.859-89.048-89.047   s39.86-89.048,89.048-89.048s89.047,39.86,89.047,89.048S537.554,473.458,488.367,473.458z M488.367,337.694   c-25.79,0-46.677,20.887-46.677,46.677c0,25.789,20.887,46.676,46.677,46.676c25.789,0,46.676-20.887,46.676-46.676   C535.042,358.621,514.156,337.694,488.367,337.694z M271.846,384.411c0,25.789-20.887,46.676-46.676,46.676   s-46.676-20.887-46.676-46.676c0-25.79,20.887-46.677,46.676-46.677C250.959,337.694,271.846,358.621,271.846,384.411z\"\/><\/g><\/symbol><symbol id=\"grw-google\" viewBox=\"0 0 512 512\"><g fill=\"none\" fill-rule=\"evenodd\"><path d=\"M482.56 261.36c0-16.73-1.5-32.83-4.29-48.27H256v91.29h127.01c-5.47 29.5-22.1 54.49-47.09 71.23v59.21h76.27c44.63-41.09 70.37-101.59 70.37-173.46z\" fill=\"#4285f4\"\/><path d=\"M256 492c63.72 0 117.14-21.13 156.19-57.18l-76.27-59.21c-21.13 14.16-48.17 22.53-79.92 22.53-61.47 0-113.49-41.51-132.05-97.3H45.1v61.15c38.83 77.13 118.64 130.01 210.9 130.01z\" fill=\"#34a853\"\/><path d=\"M123.95 300.84c-4.72-14.16-7.4-29.29-7.4-44.84s2.68-30.68 7.4-44.84V150.01H45.1C29.12 181.87 20 217.92 20 256c0 38.08 9.12 74.13 25.1 105.99l78.85-61.15z\" fill=\"#fbbc05\"\/><path d=\"M256 113.86c34.65 0 65.76 11.91 90.22 35.29l67.69-67.69C373.03 43.39 319.61 20 256 20c-92.25 0-172.07 52.89-210.9 130.01l78.85 61.15c18.56-55.78 70.59-97.3 132.05-97.3z\" fill=\"#ea4335\"\/><path d=\"M20 20h472v472H20V20z\"\/><\/g><\/symbol><\/svg><div class=\"grw-row grw-row-m\" data-options='{\"speed\":3,\"autoplay\":true,\"mousestop\":true,\"breakpoints\":\"\"}'><div class=\"grw-header\"><div class=\"grw-header-inner rpi-flx rpi-row12\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/places\/ANXAkqH0T9FdW1qJ5DpbgkAudj2l9NvBe6q5ZJJaiyEHBZiUYhwE0-En22tk6pI02wuWA65ynVKV9ayD6IJrktmYMYsGMBuIk3nS6EU=s1600-w300-h300\" loading=\"lazy\" alt=\"Ortsbild von \u201eJos\u00e9 Sell\u00e9s - Financial Advisor\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7')this.src='data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';\" ><\/div><div class=\"rpi-flx rpi-col8\"><div class=\"wp-google-name\"><a href=\"https:\/\/maps.google.com\/?cid=12910005258451846611\" target=\"_blank\" rel=\"nofollow noopener\">Jos\u00e9 Sell\u00e9s - Financial Advisor<\/a><\/div><span class=\"rpi-stars\" style=\"--rating:5.0\">5.0<\/span><div class=\"wp-google-based\">Basierend auf 22 Bewertungen<\/div><div class=\"wp-google-powered\">powered by <span><span style=\"color:#3c6df0!important\">G<\/span><span style=\"color:#d93025!important\">o<\/span><span style=\"color:#fb8e28!important\">o<\/span><span style=\"color:#3c6df0!important\">g<\/span><span style=\"color:#188038!important\">l<\/span><span style=\"color:#d93025!important\">e<\/span><\/span><\/div><div class=\"wp-google-wr\"><a href=\"https:\/\/search.google.com\/local\/writereview?placeid=ChIJsWRVnSCTlxIR04Vy5mGNKbM\" target=\"_blank\" rel=\"nofollow noopener\" onclick=\"return rplg_leave_review_window.call(this)\">bewerte uns auf<svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"><\/use><\/svg><\/a><\/div><\/div><\/div><\/div><div class=\"rpi-slides-root grw-content\"><div class=\"grw-content-inner\"><button class=\"rpi-ltgt rpi-lt grw-prev\" tabindex=\"0\"><\/button><div class=\"rpi-slides grw-reviews rpi-slides-bite\" data-count=\"16\" data-offset=\"16\"><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUlcEkvSKCXWV8SCdVipQbXeeCrjosLeyxzMnMA3WY6QIfERNAq=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eSilvia salom bibiloni\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106282751311635815040\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Silvia salom bibiloni<\/a><div class=\"wp-google-time\" data-time=\"1746296977\">18:29 03 May 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">He tenido  una cita con Jos\u00e9 Sell\u00e9s para ayudarme con mi planificaci\u00f3n econ\u00f3mica y me he sentido muy bien atendida y escuchada.  Jos\u00e9 es muy claro y did\u00e1ctico,  explica las cosas de manera que me resulta accesible para mi, que no tengo idea de estos temas econ\u00f3micos y tambi\u00e9n tiene totalmente en cuenta mis necesidades y mi demanda.  Ha sido muy formal y es una persona que me ha hecho sentir confianza desde el primer momento.  Muchas gracias.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVYdajEjiH-o27f3y-kTteRz8FXVZC-aWRYVHSXMaWHNiG7nZmmmA=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eJoan Mart\u00ed Mir\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109555749950031012341\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Joan Mart\u00ed Mir<\/a><div class=\"wp-google-time\" data-time=\"1742541688\">07:21 21 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Confianza y credibilidad.  Gran profesional siempre dispuesto a resolver cualquier duda. Sin duda tras dos a\u00f1os, Jos\u00e9 Selles es mi asesor de confianza.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVjydNfmQZiyHoa3tR4mI_d4Lsca8I0t0jNVDyIWeoTANat9F4F3Q=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMarc Herrero\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115556253756101844041\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Marc Herrero<\/a><div class=\"wp-google-time\" data-time=\"1741968861\">16:14 14 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">La sencillez y la claridad es la gran virtud de Jos\u00e9 Sell\u00e9s. Desde el primer momento que me puse en contacto con \u00e9l me explic\u00f3 todo con mucha facilidad y sin rodeos. Solvent\u00f3 cualquier duda que tuve y me supo orientar en el momento de decidirme por un plan de futuro. Adem\u00e1s cada cierto tiempo se re\u00fane conmigo para analizar c\u00f3mo van los n\u00fameros. Muy recomendable!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIridu2_6PjK0cHThULj9V68SxpJqfrcU21iiulP1S_wqW1=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201ePedro Gadala\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113875111294891193794\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Pedro Gadala<\/a><div class=\"wp-google-time\" data-time=\"1741886431\">17:20 13 Mar 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 es un excelente asesor, muy implicado y con un trato excepcional. Se ha implicado much\u00edsimo para ofrecer una experiencia totalmente personalizada a mis finanzas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUY-PHUQWVVAvqO3Pux1jQ0X9diijGiITn_liaH6HW5toax3ux0dw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMaria Vazquez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/104523103907967764287\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Maria Vazquez<\/a><div class=\"wp-google-time\" data-time=\"1738595111\">15:05 03 Feb 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 Sell\u00e9s es un excelente asesor financiero. Desde el primer momento, se ha implicado al m\u00e1ximo para ofrecerme un servicio totalmente personalizado, ayud\u00e1ndome a organizar mis finanzas de manera clara y efectiva. Explica todo con mucha paciencia y detalle, lo que me ha dado mucha confianza en mis decisiones. Adem\u00e1s, siempre est\u00e1 disponible para resolver cualquier duda y ofrecer el mejor consejo. Sin duda, lo recomiendo a cualquiera que busque un asesor comprometido y profesional.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI32Ey41HKEP03hfQgVdiyCSxbeqMai0bwjkZpY0w2r1fgrLg=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eluciana guiscardo rivas\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115905810019806890770\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">luciana guiscardo rivas<\/a><div class=\"wp-google-time\" data-time=\"1738438297\">19:31 01 Feb 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Hace ya a\u00f1os que Jos\u00e9 me lleva todos los seguros que tengo. Y siempre, desde el principio hasta la fecha, me ha respondido de manera r\u00e1pida y con esa amabilidad que le caracteriza, consiguiendo que sintiera que si era importante para m\u00ed, tambi\u00e9n lo era para \u00e9l. Y lo mejor es que siempre me ha solucionado todos los problemas que le he planteado. Para mi es un crack.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjWlF6Tey7Rz510XVd5Q72K8pIf5p1Jc7lKUaAmgWkvv-q9RhXtv=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eRafa Sabater\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111309593296762368935\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Rafa Sabater<\/a><div class=\"wp-google-time\" data-time=\"1737974171\">10:36 27 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI67cJchkhcj0foSb5eg_D2ya51edDZvApbCW5FNJkYruAszA=s128-c0x00000000-cc-rp-mo-ba2\" loading=\"lazy\" alt=\"Profilbild von \u201eXimena Rubio\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113623730721482645824\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Ximena Rubio<\/a><div class=\"wp-google-time\" data-time=\"1737634516\">12:15 23 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">He tenido el privilegio de ser asesorada por Jos\u00e9 Sell\u00e9s y puedo decir con total confianza que es un profesional excepcional.<br \/>Lo que realmente lo diferencia es su trato cercano y emp\u00e1tico. Desde la primera reuni\u00f3n, se tom\u00f3 el tiempo para entender mis necesidades, objetivos y preocupaciones financieras. Me explic\u00f3 cada paso del proceso de manera clara y sencilla, haciendo que todo, incluso los temas m\u00e1s complejos, resultaran comprensibles.<br \/>Sin duda, lo recomendar\u00eda a cualquiera que busque un asesor competente, confiable y humano.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVBpklQO1GO2YlQgGtopkslqVkJRYdXeizJ51iJWTHxtJiP7chk=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eLorena Barrera L\u00f3pez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/102867617398155386122\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Lorena Barrera L\u00f3pez<\/a><div class=\"wp-google-time\" data-time=\"1737628434\">10:33 23 Jan 25<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">El trato, servicio y asesor\u00eda de Jos\u00e9 ha sido excelente desde el primer minuto. Ayuda a gestionar tus finanzas, se adapta a tu presupuesto y te aconseja sobre lo mejor para ti seg\u00fan tus objetivos. Lo recomiendo para empezar a manejar tus finanzas de otra manera. \u00a1un gusto haberme decidido a empezar con \u00e9l!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVbV5bFeqa03IoffjcVw5h06QVF_G2Q_zaZzHkSguz7mqGhCWqS=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMiguel Lage\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106261841431601821955\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Miguel Lage<\/a><div class=\"wp-google-time\" data-time=\"1734010488\">13:34 12 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 me ha ayudado much\u00edsimo a organizar mis ahorros con una estrategia m\u00e1s estable y segura. Siempre ha estado muy atento y me ha resuelto cualquier duda cuando lo necesitaba. Su orientaci\u00f3n ha marcado la diferencia. \u00a1Lo recomiendo completamente!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXZ0WbYBSN1t79MqEO2k1be_OHDbuTbNKVlJxOvzmfoQu3yQca4=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eAlejandra Sansano Mart\u00edn\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/100088900692088743222\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Alejandra Sansano Mart\u00edn<\/a><div class=\"wp-google-time\" data-time=\"1733829780\">11:23 10 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Profesional, transparente y dedicado siempre a buscar y encontrar el mejor plan que se adapte a cada cliente seg\u00fan sus necesidades y preferencias. Atenci\u00f3n completamente personalizada y con un trato cercano a la vez que excelente ante cualquier duda o cuesti\u00f3n que se te pueda plantear. Gracias Jos\u00e9 Sell\u00e9s. Recomendable 100%!!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLe41YpBPSTq7kflJv9-tMcTLXs74Fk7ODhpPuXEkoou8yV=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201ePaula R\u00f3denas Serra\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103074159663932712573\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Paula R\u00f3denas Serra<\/a><div class=\"wp-google-time\" data-time=\"1733172368\">20:46 02 Dec 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Recomendable 100%. Jos\u00e9 te escucha y valora las mejores alternativas para ti. Te lo explica todo en un lenguaje claro y siempre se asegura de que lo entiendas todo bien. Profesional y de confianza.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXddUsg_sKtO3lVgzKM6UFbL94EF47NbjuZaJwy8GqMGvdEXFmz=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eRuben Capilla\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/101550686463001167958\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Ruben Capilla<\/a><div class=\"wp-google-time\" data-time=\"1732807367\">15:22 28 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Muy contento de tener a Jos\u00e9 Sell\u00e9s a mi lado quien hace un seguimiento personalizado y adaptado a mi, la verdad que me siento muy comodo con \u00e9l y con confianza en el futuro a nivel ec\u00f3nomico.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJNbOYV7FYwJDOgB-0buYoVs4gGOV5MGF_TKlouGGML2JdOkw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eJonathan Hincapie\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103592643350517298950\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jonathan Hincapie<\/a><div class=\"wp-google-time\" data-time=\"1732732028\">18:27 27 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Estar asesorado por Jos\u00e9 Sell\u00e9s es una experiencia excelente. No solo es un gran profesional, sino tambi\u00e9n una persona cercana y emp\u00e1tica. Siempre entiende las necesidades y ofrece soluciones pr\u00e1cticas y efectivas. Su compromiso y dedicaci\u00f3n se notan en cada detalle. Sin duda, alguien en quien confiar plenamente, algo que es muy dif\u00edcil de encontrar a d\u00eda de hoy. \u00a1Muy recomendable!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLVdhxv3W0xvWUC0FZTVjvpFfxExmInf_MHclBZG6PP8U0mMrON=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eMt Salvah\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108817863870605168731\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Mt Salvah<\/a><div class=\"wp-google-time\" data-time=\"1731967391\">22:03 18 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Mi experiencia con Jos\u00e9 Selles ha sido excelente: transparencia y seguridad en el asesoramiento, transmitiendo una total confianza y tranquilidad, buscando siempre la alternativa m\u00e1s favorable y rentabilidad para mi econom\u00eda. Muy profesional a la vez que cercano, he ganado en tranquilidad desde que sigo sus consejos.  Lo recomiendo, sin lugar a dudas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocILnyC8oTYO030kRU3f493-G6OGeIt8s__zMUYX5XwgaIGqqw=s128-c0x00000000-cc-rp-mo\" loading=\"lazy\" alt=\"Profilbild von \u201eana isabel lozano perez\u201c\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/joseselles.com\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117180940767030728533\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">ana isabel lozano perez<\/a><div class=\"wp-google-time\" data-time=\"1731956228\">18:57 18 Nov 24<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\"  style=\"height:100!important\"><span class=\"wp-google-text\">Jos\u00e9 es un magn\u00edfico profesional. Muy contenta con el asesoramiento que me ha prestado a m\u00ed y a mi familia, siempre cercano y atento a las necesidades de cada cliente. Nadie mejor en quien confiar para ayudarme a gestionar mis finanzas.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><\/div><button class=\"rpi-ltgt rpi-gt grw-next\" tabindex=\"0\"><\/button><div class=\"rpi-dots-wrap\"><div class=\"rpi-dots\"><\/div><\/div><\/div><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.grw-row').classList.replace('grw-row-m','grw-row-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1100)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.currentScript?.parentElement)<\/script><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3cddd elementor-align-center elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-button\" data-id=\"3d3cddd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/+34660845921\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vereinbaren Sie einen Termin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67ce783 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"67ce783\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d59a421 e-con-full e-flex e-con e-child\" data-id=\"d59a421\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f57d9cf elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f57d9cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>VEREINBAREN SIE EINEN UNVERBINDLICHEN TERMIN<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7af071 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b7af071\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">W\u00e4hlen Sie Tag und Uhrzeit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e78a1 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d6e78a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ich biete Ihnen einen unverbindlichen Termin an, um Ihre Finanzen zu analysieren und Ihnen zu helfen, Ihre Ziele zu erreichen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e1a616 e-flex e-con-boxed e-con e-child\" data-id=\"1e1a616\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d036431 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"d036431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Principio del widget integrado de Calendly -->\n<div class=\"calendly-inline-widget\" data-url=\"https:\/\/calendly.com\/josep-selles-ovb\/45min\" style=\"min-width:320px;height:700px;\"><\/div>\n<script type=\"text\/javascript\" src=\"https:\/\/assets.calendly.com\/assets\/external\/widget.js\" async=\"\"><\/script>\n<!-- Final del widget integrado de Calendly -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fa3ec9 e-con-full e-flex e-con e-parent\" data-id=\"1fa3ec9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28a5a44 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"28a5a44\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FAQs<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd3db78 elementor-widget elementor-widget-text-editor\" data-id=\"cd3db78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"4436\" data-end=\"4481\"><span style=\"color: #000000;\">Wann sollte mit der Planung begonnen werden?<\/span><\/h2><p data-start=\"4483\" data-end=\"4656\">Die Erfahrung zeigt, dass je fr\u00fcher gehandelt wird, desto gr\u00f6\u00dfer die Entscheidungsfreiheit ist. Die <strong data-start=\"4575\" data-end=\"4613\">Familienverm\u00f6gensplanung<\/strong> ist besonders empfehlenswert, wenn: <\/p><ul data-start=\"4658\" data-end=\"4873\"><li data-start=\"4658\" data-end=\"4697\"><p data-start=\"4660\" data-end=\"4697\">Es gibt Immobilien von erheblichem Wert.<\/p><\/li><li data-start=\"4698\" data-end=\"4741\"><p data-start=\"4700\" data-end=\"4741\">Es gibt Beteiligungen an Familienunternehmen.<\/p><\/li><li data-start=\"4742\" data-end=\"4796\"><p data-start=\"4744\" data-end=\"4796\">Es werden bedeutende Finanzinvestitionen verwaltet.<\/p><\/li><li data-start=\"4797\" data-end=\"4830\"><p data-start=\"4799\" data-end=\"4830\">Die Nachfolge soll vorweggenommen werden.<\/p><\/li><li data-start=\"4831\" data-end=\"4873\"><p data-start=\"4833\" data-end=\"4873\">Es wird angestrebt, die Besteuerung von Familien zu ordnen.<\/p><\/li><\/ul><p data-start=\"4875\" data-end=\"4986\">Das Warten auf einen Notfall schr\u00e4nkt die M\u00f6glichkeiten ein. Eine fr\u00fchzeitige Planung erm\u00f6glicht es, Entscheidungen in Ruhe zu treffen. <\/p><h2 data-start=\"4875\" data-end=\"4986\"><span style=\"color: #000000;\">Warum ist fachkundige Beratung so wichtig?<\/span><\/h2><p data-start=\"5044\" data-end=\"5207\">Ein komplexes Verm\u00f6gen erfordert eine ganzheitliche Betrachtung. Finanzielle, rechtliche und steuerliche Aspekte sind miteinander verbunden, und eine Entscheidung in einem Bereich kann sich auf die anderen auswirken. <\/p><p data-start=\"5209\" data-end=\"5294\">Ein auf Familienverm\u00f6gensplanung spezialisierter Fachmann bietet folgende Vorteile:<\/p><ul data-start=\"5296\" data-end=\"5527\"><li data-start=\"5296\" data-end=\"5333\"><p data-start=\"5298\" data-end=\"5333\">Langfristige strategische Analyse.<\/p><\/li><li data-start=\"5334\" data-end=\"5386\"><p data-start=\"5336\" data-end=\"5386\">Aktuelle Kenntnisse der spanischen Rechtsvorschriften.<\/p><\/li><li data-start=\"5387\" data-end=\"5443\"><p data-start=\"5389\" data-end=\"5443\">An die konkrete Situation der Familie angepasster Ansatz.<\/p><\/li><li data-start=\"5444\" data-end=\"5489\"><p data-start=\"5446\" data-end=\"5489\">Kontinuierliche \u00dcberwachung und Anpassungsf\u00e4higkeit.<\/p><\/li><li data-start=\"5490\" data-end=\"5527\"><p data-start=\"5492\" data-end=\"5527\">Sicherheit bei der Entscheidungsfindung.<\/p><\/li><\/ul><p data-start=\"5529\" data-end=\"5677\">Die Erfahrung zeigt, dass viele Fehler durch unkoordiniertes Handeln entstehen. Bei hohem Verm\u00f6gen k\u00f6nnen solche Fehler teuer werden. <\/p><h2 data-start=\"5684\" data-end=\"5736\"><span style=\"color: #000000;\">Beginnen Sie noch heute mit Ihrer Familienverm\u00f6gensplanung<\/span><\/h2><p data-start=\"5738\" data-end=\"5867\">Der Schutz des Kulturerbes ist keine Aufgabe, die auf unbestimmte Zeit verschoben werden sollte. Er erfordert \u00dcberlegung, Methodik und angemessene Begleitung. <\/p><p data-start=\"5869\" data-end=\"6144\">Wenn Sie dar\u00fcber nachdenken, Ihre <strong data-start=\"5903\" data-end=\"5941\">Familienverm\u00f6gensplanung<\/strong> zu strukturieren und die Besteuerung in eine koh\u00e4rente Strategie zu integrieren, ist jetzt der richtige Zeitpunkt, damit zu beginnen. Rechtzeitige Entscheidungen sind der beste Weg, um Stabilit\u00e4t und Kontinuit\u00e4t f\u00fcr Ihre Familie zu gew\u00e4hrleisten. <\/p><p data-start=\"6146\" data-end=\"6238\" data-is-last-node=\"\" data-is-only-node=\"\">Vereinbaren Sie einen pers\u00f6nlichen Beratungstermin und beginnen Sie, Ihr Verm\u00f6gen mit Weitblick zu ordnen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>https:\/\/joseselles.com\/wp-content\/uploads\/2024\/09\/WhatsApp-Video-2024-07-17-at-12.45.50.mp4 Familienverm\u00f6gensplanung K\u00fcmmere dich um das, was du aufgebaut hast Fordern Sie einen kostenlosen Termin an, um zu sehen, wie wir Ihnen helfen k\u00f6nnen. VEREINBAREN SIE EINEN KOSTENLOSEN TERMIN Mehr als 700 zufriedene Kunden Was ist Familienverm\u00f6gensplanung? Wenn eine Familie Jahre \u2013 manchmal Jahrzehnte \u2013 damit verbracht hat, ein solides Verm\u00f6gen aufzubauen, stellt sich unweigerlich [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-3038","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/pages\/3038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/comments?post=3038"}],"version-history":[{"count":1,"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/pages\/3038\/revisions"}],"predecessor-version":[{"id":3039,"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/pages\/3038\/revisions\/3039"}],"wp:attachment":[{"href":"https:\/\/joseselles.com\/de\/wp-json\/wp\/v2\/media?parent=3038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}