{"id":3390,"date":"2026-06-05T15:59:04","date_gmt":"2026-06-05T15:59:04","guid":{"rendered":"https:\/\/joseselles.com\/financial-and-tax-advice-in-mallorca\/"},"modified":"2026-06-05T16:28:57","modified_gmt":"2026-06-05T16:28:57","slug":"financial-and-tax-advice-in-mallorca","status":"publish","type":"post","link":"https:\/\/joseselles.com\/en\/financial-and-tax-advice-in-mallorca\/","title":{"rendered":"Financial and tax advice in Mallorca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3390\" class=\"elementor elementor-3390 elementor-3283\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60ccb36a e-flex e-con-boxed e-con e-parent\" data-id=\"60ccb36a\" 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-72287625 elementor-widget elementor-widget-text-editor\" data-id=\"72287625\" 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<script type=\"application\/ld+json\"><br \/>{<br \/>\"@context\": \"https:\/\/schema.org\",<br \/>\"@type\": \"FAQPage\",<br \/>\"mainEntity\": [<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfQu\u00e9 diferencia hay entre un asesor financiero y un asesor fiscal en Mallorca?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"El asesor financiero planifica tu ahorro, inversi\u00f3n, jubilaci\u00f3n y protecci\u00f3n patrimonial; el asesor fiscal se ocupa de tus impuestos y declaraciones. Lo ideal es que ambos trabajen coordinados, porque casi toda decisi\u00f3n financiera tiene consecuencias fiscales. Jos\u00e9 Sell\u00e9s enfoca la parte financiera con visi\u00f3n fiscal y se coordina con tu asesor tributario para que las dos \u00e1reas vayan alineadas y no tomes decisiones que ahorren por un lado y cuesten por otro.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfEl asesoramiento financiero y fiscal es solo para grandes patrimonios?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"No. Aunque mucha gente cree que la planificaci\u00f3n financiera es cosa de grandes fortunas, es precisamente quien tiene un patrimonio medio quien m\u00e1s se beneficia de ordenar bien sus decisiones. Un particular o un aut\u00f3nomo que organiza su ahorro, su fiscalidad y su jubilaci\u00f3n con un plan llega mucho m\u00e1s lejos que dej\u00e1ndolo a la improvisaci\u00f3n. El servicio se adapta al tama\u00f1o y los objetivos de cada cliente.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfTengo que cambiar de banco o de productos para empezar a planificar?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"No necesariamente. El primer paso es analizar lo que ya tienes; muchas veces se mejora reorganizando productos existentes, no cambi\u00e1ndolo todo. Solo se propone modificar algo cuando hay una ventaja clara para ti en rentabilidad, coste o fiscalidad. El objetivo no es mover por mover, sino que cada pieza de tu econom\u00eda est\u00e9 en el sitio que m\u00e1s te conviene.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfC\u00f3mo es la primera consulta con un asesor financiero en Mallorca?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"La primera consulta es una reuni\u00f3n gratuita y sin compromiso en la que analizamos tu situaci\u00f3n, tus objetivos y tus dudas. De ah\u00ed sales con una primera visi\u00f3n de qu\u00e9 se puede mejorar, sin obligaci\u00f3n de contratar nada. Si decides seguir, dise\u00f1amos el plan a medida; si no, te llevas igualmente una orientaci\u00f3n \u00fatil. Puedes pedirla por tel\u00e9fono o en el despacho de Palma.\"<br \/>}<br \/>}<br \/>]<br \/>}<br \/><\/script>\t\t\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-65e0ddf7 e-flex e-con-boxed e-con e-parent\" data-id=\"65e0ddf7\" 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-2ad727ed elementor-widget elementor-widget-text-editor\" data-id=\"2ad727ed\" 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\n<p><\/p>\n\n\n\n<p><\/p>\n\t\t\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-65ac5a5e e-con-full e-flex e-con e-parent\" data-id=\"65ac5a5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66b1292a elementor-widget elementor-widget-heading\" data-id=\"66b1292a\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Financial and Tax Advice in Mallorca<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24952433 elementor-widget elementor-widget-image\" data-id=\"24952433\" 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=\"534\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/asesoramiento-financiero-y-fiscal-en-mallorca-1024x684.jpg\" class=\"attachment-large size-large wp-image-3356\" alt=\"Asesoramiento financiero y fiscal Mallorca en Jos\u00e9 Sell\u00e9s\" srcset=\"https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/asesoramiento-financiero-y-fiscal-en-mallorca-1024x684.jpg 1024w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/asesoramiento-financiero-y-fiscal-en-mallorca-300x200.jpg 300w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/asesoramiento-financiero-y-fiscal-en-mallorca-768x513.jpg 768w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/asesoramiento-financiero-y-fiscal-en-mallorca.jpg 1200w\" 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-5448da73 elementor-widget elementor-widget-text-editor\" data-id=\"5448da73\" 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><\/p><p><span style=\"color: #000000;\">Jos\u00e9 Sell\u00e9s&#8217; 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.   <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">Do you feel that your money is not well organized and you pay more taxes than you should? You&#8217;re not alone. Most people make individual financial decisions &#8211; a mortgage here, a pension plan there &#8211; 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.   <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">What does the financial and tax advisory service include?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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. <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">Includes:<\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">Analysis of income, expenses, savings and debts to know where you are starting from.<\/span><\/li> <li><span style=\"color: #000000;\">Tax planning to pay the right amount and take advantage of the benefits of the Balearic Islands.<\/span><\/li> <li><span style=\"color: #000000;\">Savings and investment strategy adapted to your risk profile and objectives.<\/span><\/li> <li><span style=\"color: #000000;\">Retirement planning and long-term forecasting.<\/span><\/li> <li><span style=\"color: #000000;\">Mortgage and financing optimization.<\/span><\/li> <li><span style=\"color: #000000;\">Wealth protection and planning of the transmission to your heirs.<\/span><\/li> <li><span style=\"color: #000000;\">Periodic follow-up to adjust the plan as your life changes.<\/span><\/li><\/ul><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">All coordinated in the same strategy, not in individual pieces of advice that contradict each other.<\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How is an independent financial advisor different from a bank or an agency?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">The difference is independence and scope. A bank offers you its own products; a gestor\u00eda takes care of your taxes and accounting. An independent financial and tax advisor like Jos\u00e9 Sell\u00e9s looks at your complete situation and chooses among several regulated entities the solution that really suits you.  <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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 <a style=\"color: #000000;\" href=\"https:\/\/www.cnmv.es\/\" target=\"_blank\" rel=\"noopener\">National Securities Market Commission (CNMV)<\/a> and the <a style=\"color: #000000;\" href=\"https:\/\/www.dgsfp.mineco.gob.es\/\" target=\"_blank\" rel=\"noopener\">Directorate General of Insurance and Pension Funds (DGSFP)<\/a>, 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.   <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How does the A-A-S Analysis, Assessment and Follow-up methodology work?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">The work follows a proprietary three-phase methodology that ensures that the plan does not remain on paper in a drawer.<\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><ol class=\"wp-block-list\"><li><span style=\"color: #000000;\">Analysis: we thoroughly study your current financial and fiscal situation, your objectives and your time horizon.<\/span><\/li> <li><span style=\"color: #000000;\">Advice: we design a customized plan with specific proposals for savings, investment, taxation and protection.<\/span><\/li> <li><span style=\"color: #000000;\">Follow-up: we review the plan periodically and adjust it when your life, the markets or regulations change.<\/span><\/li><\/ol><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">It is the follow-up phase that makes the difference. Many &#8220;financial plans&#8221; are made once and forgotten. Not here: your situation three years from now won&#8217;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.   <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Who is this financial and tax advice in Mallorca for?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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. <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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 <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/investments-for-self-employed-in-mallorca-options-and-how-to-plan-for-them\/\">investments for freelancers in Mallorca-<\/a>, families planning the future of their children and their wealth, and newly settled foreigners who want to understand and take advantage of the <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/tax-advantages-for-foreigners-residing-in-mallorca\/\">tax advantages for foreigners in Mallorca<\/a>. If you find yourself in any of these cases, this advice is for you. <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How much does financial and tax advice cost?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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.  <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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&#8217;t make sense. Before you make any decision you will know exactly what is involved and why it makes sense for you.  <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Why choose Jos\u00e9 Sell\u00e9s as your financial advisor in Mallorca?<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">More than 700 clients entrust their financial planning to Jos\u00e9 Sell\u00e9s, with a 5.0 rating on Google. This combination of volume and satisfaction is the best proof of a job well done. <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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&#8217;t leave you alone after you sign. As a <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/\">financial advisor in Mallorca<\/a>, 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&#8217;s not about trusting blindly: it&#8217;s about understanding your own money. You can expand your strategy with <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/family-wealth-planning-2\/\">family estate planning<\/a> or <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/mortgage-advisor\/\">mortgage advice in Mallorca<\/a>.   <\/span><\/p><p><span style=\"color: #000000;\"><\/span><\/p><div class=\"seo-faq\"><span style=\"color: #000000;\"><\/span><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Frequently asked questions about financial and tax advice in Mallorca<\/span><\/h2><span style=\"color: #000000;\"> <\/span><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">What is the difference between a financial advisor and a tax advisor in Mallorca?<\/span><\/h3><span style=\"color: #000000;\"> <\/span><p><span style=\"color: #000000;\">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. Jos\u00e9 Sell\u00e9s approaches the financial part with a fiscal vision and coordinates with your tax advisor so that the two areas are aligned and you don&#8217;t make decisions that save on one side and cost on the other.  <\/span><\/p><span style=\"color: #000000;\"> <\/span><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">Is financial and tax advice only for high net worth individuals?<\/span><\/h3><span style=\"color: #000000;\"> <\/span><p><span style=\"color: #000000;\">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.   <\/span><\/p><span style=\"color: #000000;\"> <\/span><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">Do I have to change banks or products to start planning?<\/span><\/h3><span style=\"color: #000000;\"> <\/span><p><span style=\"color: #000000;\">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.   <\/span><\/p><span style=\"color: #000000;\"> <\/span><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">What is the first consultation with a financial advisor in Mallorca like?<\/span><\/h3><span style=\"color: #000000;\"> <\/span><p><span style=\"color: #000000;\">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.   <\/span><\/p><span style=\"color: #000000;\"><\/span><\/div><p><span style=\"color: #000000;\"><\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">When you do NOT need this service<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">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. <\/span><\/p><p><span style=\"color: #000000;\"> <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Request your first free consultation<\/span><\/h2><p><span style=\"color: #000000;\"> <\/span><\/p><p><span style=\"color: #000000;\">Getting your finances and taxation in order starts with a conversation. If you want a clear, independent and real follow-up plan with a <a href=\"https:\/\/joseselles.com\/en\/\">financial advisor in Mallorca<\/a>, let&#8217;s talk. The first consultation is <strong>free and without obligation<\/strong>: we analyze your situation and you see for yourself what can be improved. Call <strong>660 845 921<\/strong> or write to <strong>josep.selles@ovb.es.<\/strong> The office is located in C\/ Ter 23, 1\u00baA, Palma. Take the first step today.     <\/span><\/p><p><\/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>Financial and Tax Advice in Mallorca Jos\u00e9 Sell\u00e9s&#8217; 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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3356,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_focuskw":"","_yoast_wpseo_canonical":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":""},"categories":[27],"tags":[],"class_list":["post-3390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-services"],"_links":{"self":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/comments?post=3390"}],"version-history":[{"count":1,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3390\/revisions"}],"predecessor-version":[{"id":3391,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3390\/revisions\/3391"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media\/3356"}],"wp:attachment":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media?parent=3390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/categories?post=3390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/tags?post=3390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}