We Sponsored the Running & Wine Fest 2025
We Sponsored the Running & Wine Fest 2025 Last Saturday 12th April 2025, the José Luis Ferrer winery in Mallorca hosted the first edition of the Running & Wine Fest, a pioneering event that fused sport, wellness and wine tourism in a spectacular natural setting. As official sponsors, at José Sellés, financial consultants in Palma […]
Financial planning for the self-employed in 5 steps
Financial planning for the self-employed in 5 steps Financial planning is essential for the economic stability of any self-employed person, as their income can be irregular and is subject to taxation. and variable expenses. Here are five key aspects to take into account for a efficient financial management: Budget and expense control Keeping a detailed […]
How to redeem or transfer a pension plan in 2025
How to redeem or transfer a pension plan in 2025 Traditionally, pension plans could be withdrawn upon the occurrence of contingencies such as retirement, incapacity for work, death, a severe dependency or high dependency. In addition, there are exceptional cases liquidity problems, such as long-term unemployment or serious illness. However, a legislative modification introduced in […]
Buying a home in 5 steps
Buying a home in 5 steps Buying a home is one of the most important financial decisions of our lives. It represents the largest decapitalization that any person will ever make in his or her life. front. To do so safely and efficiently it is essential to follow a process well planned. Savings planning Before […]
Dividend withholdings in 2025
Dividend withholding by country in 2025 When we talk about investing in international shares, dividends are a key part of the total return, along with the profits obtained from selling those securities. However, it is not as straightforward as it sounds: taxes can play a significant role in calculating actual profitability. And this is where […]
Which mortgages can the installments be deducted in the income tax return?
Which mortgages can the installments be deducted in the income tax return? Why are some families able to deduct mortgage payments every year in their income tax return and others not? In Spain, the deduction for investment in primary residence was abolished as of January 1, 2013. This modification was established in Law 16/2012, of […]
Where do Spanish wealth funds invest?
Where do Spanish wealth funds invest? Never before in history has wealth been so democratized. That is to say, never before has humanity had access to so many tools for all pockets to be able to grow our savings and, little by little, create wealth. According to the Tax Agency, in 2021 there were 231,367 […]
Assumptions for redeeming my pension plan in 2025
Assumptions for redeeming my pension plan in 2025 You’ve probably already read that as of January 1, 2025, you’ll be able to redeem your pension plan, so you won’t need to wait until retirement to touch money that will come in handy now. But before you make any moves you should do some informed thinking, […]
Only 4.8% of Spaniards have advanced financial knowledge
Only 4.8% of Spaniards have advanced financial knowledge There are many families who believe that in Spain there should be a compulsory subject of Financial Education at school. Proof of this is that when a person is getting older and starts working, he or she hardly knows the alternatives that exist to manage his or […]
Why automating your savings can change your life
Why automating your savings can change your life The best way to start having a better home economy is to take the first step. It’s just a start. And the best time is now. There is no other. Often, overthinking and delaying the start is a sabotaging symptom of fear. Today, planning is not a […]
