Optimise Your Wealth Before Establishing Residency in Spain
Discover how strategic regional planning, the Beckham Law, and tax-compliant investment wrappers can legally minimize your exposure and preserve your global portfolio in hubs like Madrid, Andalusia, and Marbella.
Plan Your Relocation Today
Request a complimentary and confidential pre-relocation review to map out the most tax-efficient structures for your move to Spain.
Location & Structure Dictate Your Tax
Spain is not a single tax jurisdiction. Where you choose to live, and how you structure your arrival, creates drastically different financial outcomes. Compare the scenarios below.
What We Stand For At Private Client Consultancy
e.g., Valencia, Catalonia
Wealth Tax Applied
Global assets taxed progressively, up to 3.5% annually depending on the region.
High Income Tax
Progressive rates on global income, frequently exceeding 47% at higher tiers.
Form 720 Mandatory
Strict reporting required for all foreign assets over €50,000.
Tax-Advantaged Regions
e.g., Madrid, Andalusia (Marbella)
100% Wealth Tax Relief
A full 100% deduction on regional wealth tax applies. Global assets are exempt at the regional level.
Lower Income Tax
More favorable regional income tax scales compared to the national average.
*Solidarity Tax Warning
The state-level Solidarity Tax acts as a backstop for assets exceeding €3m, overriding regional relief.
The Beckham Law
Special Expat Tax Regime
Global Wealth Protected
Beneficiaries are treated as non-residents for wealth tax purposes, protecting non-Spanish asets.
Flat 24% Income Tax
A flat 24% rate applies to salary income up to €600.000, avoiding high progressive tax brackets.
No Form 720 Required
You are treated as a non-resident for tax purposes; no obligation to report global assets.
Requires specific employment/director criteria. Valid for year of arrival + 5 years.
100% Confidential. No obligation to proceed.
What We Stand For At Private Client Consultancy
At Private Client Consultancy Wealth, we stand for unparalleled competence, unwavering credibility, and exceptional capability in all our services.
We believe that success is built on a relationship of mutual trust and respect.
When selecting us to manage your finances you are not just selecting another wealth management firm, you are partnering with an ally who will prioritise your success and peace of mind.
Our mission is to provide you with trustworthy, personalised financial advice tailored to your unique needs.
The value a good adviser can give is understanding what people want to achieve in the future - their aims, objectives, life goals, for them their family
Strategic Planning Before You Arrive
The ideal time to restructure your portfolio is while you are still a non-resident.
Our process ensures maximum efficiency.
Relocation Discovery
A complimentary assessment of your timeline, target Spanish region, and current global portfolio structure.
Exemption Mapping
We audit your eligibility for the Beckham Law and calculate your exposure across different autonomous communities.
Pre-Move Structuring
We establish tax-compliant investment wrappers (e.g., Spanish compliant bonds) before your fiscal residency begins.
Private Client Consultancy is a trading name of Efficient Frontiers SL, whose registered address is Urb Jazmin De Miraflores, C. Jazmín, 2, Mijas Costa 29649, Malaga, Spain, with CIF B42839589, authorised by the Direccion General de Seguros y Fondos de Pensiones No J-3930, holding obligatory Professional Indemnity Insurance with AIG Europe for the regulated activity, and with sufficient financial capacity in accordance with the law. And is licensed to operate in Spain under the freedom of services provision. It is also licensed to operate in Austria | Belgium | Bulgaria | Croatia | Cyprus | Czech Rep | Denmark | Estonia | Finland | France | Germany | Greece | Hungary | Ireland | Italy | Latvia | Lithuania | Luxembourg | Malta | Norway | Poland | Portugal | Romania | Slovakia | Slovenia | Sweden | and the Netherlands, under the freedom of services provision.
Private Client Consultancy (a trading name of Efficient Frontiers SL) acts as an Introducer to GuildAM Ltd. Representatives of the PCC Group, act as Investment Committee Members with GuildAM. In the role of the Investment Committee member , they are involved in a portfolio management function. Guild AM is authorised and regulated by the Maltese Financial Services Authority (¨MFSA¨) with authorisation number GUIL24464. GuildAM is authorised as an Investment management company and also provides additional services including discretionary portfolio management and investment advisory services (commonly referred to as ¨MIFID services¨). GuildAM is authorised to provide services across the EU countries via the EU passport, as well as to clients resident in other non-EU jurisdictions.
Private Client Consultancy (a trading name of Efficient Frontiers SL) through its advisors, offers investment and financial advisory services in the United States through Beacon Global Advisor Network, LLC (BGAN), a registered investment adviser with the Securities and Exchange Commission (SEC), SEC number: 801-110724. CRD number is 288833. Registration with the SEC does not imply a certain level of skill or education and does not imply the SEC has approved or passed upon the advice or services offered through BGAN. Private Client Consultancy is a marketing name only and not a regulated entity in the United States.
Private Client Consultancy (a trading name of Efficient Frontiers SL) through its advisors, offers investment and financial advisory services in Switzerland through Asset Street SA, incorporated under the laws of Switzerland in 2011 in the Canton of Geneva under the number CHE-161.878.570, whose registered office is: Rue du Rhône 67, 1207 Genève, Switzerland. Asset Street SA is affiliated to SO-FIT and licenced by FINMA.
Asset Street Limited is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority or any US state securities regulatory authority. None of the products described in this website have been registered under the U.S. Securities Act of 1933, and none is not offered nor shall be sold in the United States or to U.S. citizens and residents.