Financial and Tax Advice in Mallorca
José Sellés’ financial and tax advice in Mallorca helps individuals, freelancers and families to organize their finances, optimize their taxation and plan their future with a proprietary methodology of Analysis, Advice and Monitoring. It is an independent service: he works with several entities regulated by the CNMV and the DGSFP, not with the products of a single bank. The first consultation is free and without obligation. More than 700 clients and a 5.0 rating on Google endorse the work.
Do you feel that your money is not well organized and you pay more taxes than you should? You’re not alone. Most people make individual financial decisions – a mortgage here, a pension plan there – without a plan that connects them. Financial and tax advice in Mallorca exists to bring order: that every euro has a reason and that your taxation works for you, not against you.
What does the financial and tax advisory service include?
The service covers the complete analysis of your financial and fiscal situation and the design of a customized plan to improve it. It is not selling a product: it is putting all the pieces of your economy in order with a strategy.
Includes:
- Analysis of income, expenses, savings and debts to know where you are starting from.
- Tax planning to pay the right amount and take advantage of the benefits of the Balearic Islands.
- Savings and investment strategy adapted to your risk profile and objectives.
- Retirement planning and long-term forecasting.
- Mortgage and financing optimization.
- Wealth protection and planning of the transmission to your heirs.
- Periodic follow-up to adjust the plan as your life changes.
All coordinated in the same strategy, not in individual pieces of advice that contradict each other.
How is an independent financial advisor different from a bank or an agency?
The difference is independence and scope. A bank offers you its own products; a gestoría takes care of your taxes and accounting. An independent financial and tax advisor like José Sellés looks at your complete situation and chooses among several regulated entities the solution that really suits you.
This changes the outcome. When your advisor is not dependent on placing a specific product, the advice is aligned with your interests, not those of an entity. I work only with companies supervised by the National Securities Market Commission (CNMV) and the Directorate General of Insurance and Pension Funds (DGSFP), and I coordinate the tax side with your advisor so that financial and tax planning go hand in hand. I do not replace your management company: I complement it with the strategic vision that is usually missing.
How does the A-A-S Analysis, Assessment and Follow-up methodology work?
The work follows a proprietary three-phase methodology that ensures that the plan does not remain on paper in a drawer.
- Analysis: we thoroughly study your current financial and fiscal situation, your objectives and your time horizon.
- Advice: we design a customized plan with specific proposals for savings, investment, taxation and protection.
- Follow-up: we review the plan periodically and adjust it when your life, the markets or regulations change.
It is the follow-up phase that makes the difference. Many “financial plans” are made once and forgotten. Not here: your situation three years from now won’t be what it is today, and neither should your plan be. That ongoing review is what turns good one-time advice into real long-term results.
Who is this financial and tax advice in Mallorca for?
This service is for those who want to take control of their finances with a plan, not improvise. It works especially well for profiles that have important decisions ahead of them or several pieces to order.
In particular, I help individuals who want to save and invest wisely, freelancers who need to sort out irregular income and reduce their tax bill -as I detail in the investments for freelancers in Mallorca-, families planning the future of their children and their wealth, and newly settled foreigners who want to understand and take advantage of the tax advantages for foreigners in Mallorca. If you find yourself in any of these cases, this advice is for you.
How much does financial and tax advice cost?
The first consultation is free and without obligation. In that meeting we analyze your situation and see if I can help you; only if it makes sense we move forward. There is no cost to sit down and talk and no obligation to hire anything.
From there, the model is transparent: I work with regulated entities and I explain from the beginning how any cost is structured, with no small print or surprises. The idea is simple: you have to earn more than the cost of the service, or it doesn’t make sense. Before you make any decision you will know exactly what is involved and why it makes sense for you.
Why choose José Sellés as your financial advisor in Mallorca?
More than 700 clients entrust their financial planning to José Sellés, with a 5.0 rating on Google. This combination of volume and satisfaction is the best proof of a job well done.
What makes the difference is the approach: clear language instead of financial jargon, real independence from the products of a single bank, and a follow-up that doesn’t leave you alone after you sign. As a financial advisor in Mallorca, I explain every concept until you understand it, because the best financial decisions are the ones you make by understanding what you are doing. It’s not about trusting blindly: it’s about understanding your own money. You can expand your strategy with family estate planning or mortgage advice in Mallorca.
Frequently asked questions about financial and tax advice in Mallorca
What is the difference between a financial advisor and a tax advisor in Mallorca?
The financial advisor plans your savings, investment, retirement and wealth protection; the tax advisor handles your taxes and returns. Ideally, the two should work in coordination, because almost every financial decision has tax consequences. José Sellés approaches the financial part with a fiscal vision and coordinates with your tax advisor so that the two areas are aligned and you don’t make decisions that save on one side and cost on the other.
Is financial and tax advice only for high net worth individuals?
No. Although many people believe that financial planning is a matter of great fortunes, it is precisely those with average wealth who benefit the most from organizing their decisions well. A private individual or a self-employed person who organizes his savings, taxation and retirement with a plan goes much further than leaving it to improvisation. The service is adapted to the size and objectives of each client.
Do I have to change banks or products to start planning?
Not necessarily. The first step is to analyze what you already have; you often improve by reorganizing existing products, not by changing everything. You only propose to change something when there is a clear advantage for you in terms of profitability, cost or taxation. The objective is not to move for the sake of moving, but to put each piece of your economy in the place that suits you best.
What is the first consultation with a financial advisor in Mallorca like?
The first consultation is a free, no-obligation meeting in which we analyze your situation, your goals and your doubts. You leave with a first vision of what can be improved, with no obligation to hire anything. If you decide to continue, we will design a tailor-made plan; if not, you will also receive a useful orientation. You can ask for it by phone or in our office in Palma.
When you do NOT need this service
Be honest, and that is why I am telling you: this advice does not help you if you already have a comprehensive financial plan, reviewed and coordinated with your taxation, and you are satisfied with its results. Neither if you are only looking for someone to file your tax return -for that you need an agency, not a financial advisor- or if you expect guaranteed high returns without any risk, something that does not exist and that nobody serious will promise you.
Request your first free consultation
Getting your finances and taxation in order starts with a conversation. If you want a clear, independent and real follow-up plan with a financial advisor in Mallorca, let’s talk. The first consultation is free and without obligation: we analyze your situation and you see for yourself what can be improved. Call 660 845 921 or write to josep.selles@ovb.es. The office is located in C/ Ter 23, 1ºA, Palma. Take the first step today.
