The Webber Group: Expat Wealth Management Services and Solutions

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The Webber Group: Expat Wealth Management Services and Solutions Helping expats and other investors find the proper services to protect and grow their wealth.

Being an expat myself, I understand the challenges involved with moving to another country. I can assist with wealth management and planning so you can enjoy discovering new things about the exciting new place you're living in.

04/06/2026

We should be entering full vacation mode right about now. Worrying about suntan lotion and where the cooler is and whether there's enough ice. That's where our heads should be in June.

But there's so much noise in everyone's life these days that actually switching off feels harder than it used to. 𝗠𝗮𝗿𝗸𝗲𝘁𝘀 𝗱𝗼𝗶𝗻𝗴 𝗰𝗿𝗮𝘇𝘆 𝘁𝗵𝗶𝗻𝗴𝘀, 𝗴𝗹𝗼𝗯𝗮𝗹 𝗻𝗲𝘄𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝗻𝗼 𝘀𝗲𝗻𝘀𝗲, 𝘄𝗼𝗿𝗸 𝘁𝗵𝗮𝘁 𝗳𝗼𝗹𝗹𝗼𝘄𝘀 𝘆𝗼𝘂 𝗲𝘃𝗲𝗿𝘆𝘄𝗵𝗲𝗿𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗽𝗵𝗼𝗻𝗲. It's a lot and it doesn't really stop just because the weather got nice.

What a lot of people forget is that they don't have to carry all of it themselves. 𝗬𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗱𝗼 𝘁𝗵𝗶𝘀 𝗶𝗻 𝗼𝘁𝗵𝗲𝗿 𝗽𝗮𝗿𝘁𝘀 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝘁𝘄𝗶𝗰𝗲 𝗮𝗯𝗼𝘂𝘁 𝗶𝘁. You go out to eat when you don't feel like cooking. Maybe you have someone come by once a month to help with the house. You take the car to someone to change the oil and check the tires because that's just easier and smarter than doing it yourself.

This is the same idea. Sit down with me, tell me what you want your life to look like, what you want for your family, what the goal actually is. 𝗜 𝗵𝗮𝗻𝗱𝗹𝗲 𝘁𝗵𝗲 𝗿𝗲𝘀𝘁. I figure out the path, I deal with the paperwork and the providers and the moving parts, and I keep an eye on things so you don't have to.

You don't need to do all of this yourself. Nobody does everything themselves. The people who are most on top of their financial situation aren't the ones who spent their summer researching investment products. They're the ones who found someone they trusted and let them get on with it.

That's all this is. Let's talk before summer properly kicks in.

03/06/2026

One of the main things people tell me is that they're putting this stuff off because they just don't want to deal with it. Tons of paperwork, research, hoops to jump through, arguing with various providers about moving and consolidating things, figuring out what actually makes sense for their situation. 𝗜𝘁'𝘀 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵 𝗮𝗻𝗱 𝗶𝘁'𝘀 𝗻𝗼𝘁 𝗵𝗼𝘄 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘀𝗽𝗲𝗻𝗱 𝘁𝗵𝗲𝗶𝗿 𝘁𝗶𝗺𝗲, especially when they could be relaxing with their family.

But here's the thing. You don't have to deal with any of that. That's literally what I'm here for.

I handle the admin. I do the paperwork. I deal with the providers. I keep an eye on things while you're at the beach or driving through the mountains or doing whatever you actually want to be doing this summer. You tell me what you want your life to look like and I figure out the best way to get you there. 𝗧𝗵𝗮𝘁'𝘀 𝗺𝘆 𝗷𝗼𝗯.

A lot of people assume that working with a financial advisor means a bunch of meetings and complicated documents and having to understand things you never really wanted to understand. It doesn't have to be that way. My job is to make this as easy as possible for you, not to make you feel like you need a finance degree to have a conversation with me. 𝗜𝗳 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗻𝗲𝗲𝗱𝘀 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝗶𝗻𝗴 𝗜'𝗹𝗹 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝗶𝘁 𝘀𝗼 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱. If something needs doing I'll handle it. You stay as involved as you want to be and no more than that.

Yes it costs something. But what it buys you is time, headspace, and the ability to actually enjoy your summer without this stuff sitting in the back of your mind. The mental energy most people spend thinking about financial stuff they haven't dealt with yet is way more exhausting than the actual process of sorting it out.

𝗙𝗼𝗰𝘂𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆. 𝗟𝗲𝘁 𝗺𝗲 𝘄𝗼𝗿𝗿𝘆 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗿𝗲𝘀𝘁.

02/06/2026

Putting something off for a few weeks doesn't feel like a big deal in the moment. But for most people, especially ones I work with, it doesn't actually go away. It just moves to the back of your mind where it sits quietly and annoys you at the worst possible times.

Like when you're at the beach trying to actually relax. Or at a nice dinner watching the sun go down with your family. Or on vacation specifically, when you're supposed to be switching off and instead there's this low level noise in the background about stuff you meant to deal with before you left.

That's not what summer is for. 𝗦𝘂𝗺𝗺𝗲𝗿 𝗶𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗯𝗮𝗿𝗯𝗲𝗰𝘂𝗲 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗹𝗼𝗻𝗴 𝗹𝘂𝗻𝗰𝗵𝗲𝘀 𝗮𝗻𝗱 𝗯𝗲𝗶𝗻𝗴 𝗽𝗿𝗲𝘀𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗶𝗱 𝗮𝗹𝗹 𝗼𝗳 𝘁𝗵𝗶𝘀 𝗳𝗼𝗿 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗽𝗹𝗮𝗰𝗲. Your family.

The fact that you're reading this and thinking about it means it's already on your mind. 𝗜𝘁'𝘀 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝘁𝗮𝗸𝗶𝗻𝗴 𝘂𝗽 𝘀𝗼𝗺𝗲 𝘀𝗽𝗮𝗰𝗲. And the fact is that sorting it out takes a lot less time than the mental energy you'll spend carrying it around for the next two months if you don't.

One conversation is usually all it takes to either confirm that everything is moving in the right direction and you can genuinely relax, or to find the one or two things that need a small adjustment so you can stop thinking about it.

Either way you go on vacation with one less thing on your mind. That's worth an hour of your time right now.

01/06/2026

Summertime is finally here. The sun's out, people are sitting outside after work, and the whole vibe shifts in a way that I genuinely love about living in Spain.

It also makes my job a little more complicated. Because right around now everyone starts saying "let's pick this up after summer" or "I'm just thinking about vacation at the moment." And honestly, same. I'm very much looking forward to sitting around a barbecue with friends and a decent glass of wine and not thinking about markets for a few hours.

𝗕𝘂𝘁 𝘁𝗵𝗲 𝘁𝗵𝗶𝗻𝗴 𝗶𝘀 𝘁𝗵𝗶𝗻𝗴𝘀 𝗱𝗼𝗻'𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘀𝘁𝗼𝗽 𝗳𝗼𝗿 𝘁𝘄𝗼 𝗼𝗿 𝘁𝗵𝗿𝗲𝗲 𝗺𝗼𝗻𝘁𝗵𝘀 𝗷𝘂𝘀𝘁 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘄𝗲 𝘄𝗮𝗻𝘁 𝘁𝗵𝗲𝗺 𝘁𝗼. Stock markets keep moving. Unpredictable people keep doing unpredictable things to global markets. New opportunities come and go whether we're paying attention or not.

The S&P grew 5% last month. The Nikkei was up 12%. That's not a small number. That's the kind of move that makes a real difference to where someone ends up, and that's just one month. Waiting two or three months to have a conversation that could have you positioned for what's coming next isn't being relaxed about summer. 𝗜𝘁'𝘀 𝗽𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹𝗹𝘆 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁 𝗼𝗻 𝘁𝗵𝗲 𝘁𝗮𝗯𝗹𝗲.

I'm not saying skip the vacation. Take the vacation, you've earned it. I'm just saying that the best time to sit down and actually talk about this stuff is probably now, before everyone disappears for August. It doesn't have to be a big formal thing. It can literally be over a beer.

My schedule is pretty open right now. Reach out and let's find a time.

29/05/2026

There's a reason this week's posts landed the way they did for a lot of people. Inheritance and legacy aren't topics that come up in normal conversation. They're the things people think about at two in the morning and then forget about because there's always something more pressing during the day.

But the practical reality is pretty simple. 𝗪𝗵𝗮𝘁 𝘆𝗼𝘂'𝘃𝗲 𝗯𝘂𝗶𝗹𝘁 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗴𝗼 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗶𝘁 𝘁𝗼 𝗴𝗼. Spanish law has its own logic, it varies by region, and it doesn't make exceptions for good intentions or the assumption that your family will figure it out. The people I've helped handle this well didn't do anything dramatic. They just had the conversation, got the right structures in place, and stopped thinking about it because there was nothing left to worry about.

That's genuinely available to anyone reading this. It's not complicated and it's not as expensive as most people assume.

Markets this week have continued to reflect a pretty uncertain global environment. The trade situation between the US and Europe hasn't resolved and probably won't quickly. The euro has been moving in ways that matter if you've got assets split across currencies. Inflation across Spain remains stubborn enough that cash sitting still is still losing ground in real terms. Every week that passes without a proper structure in place is a week that's quietly costing something. Summer is coming and these things have a way of getting pushed to October and then December and then somehow it's next year.

If anything this week got you thinking about whether what you've built is actually protected the way you think it is, my inbox is open. First conversation is always free, no obligation, and I'm not going to chase you down afterwards.

𝗬𝗼𝘂'𝘃𝗲 𝘄𝗼𝗿𝗸𝗲𝗱 𝘁𝗼𝗼 𝗵𝗮𝗿𝗱 𝗳𝗼𝗿 𝘁𝗼𝗼 𝗹𝗼𝗻𝗴 𝘁𝗼 𝗹𝗲𝗮𝘃𝗲 𝘁𝗵𝗶𝘀 𝘀𝘁𝘂𝗳𝗳 𝘁𝗼 𝗰𝗵𝗮𝗻𝗰𝗲. That's really the whole point.

Have a good weekend.

28/05/2026

Seventy percent of family wealth is gone by the second generation. Ninety percent by the third. First time I heard this it was pretty shocking. Now with the work that I do and the people I work with it's something that I have to talk about and help people face.

It's not mostly bad investments or stupid decisions that causes it. 𝗜𝘁'𝘀 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗽𝗲𝗿𝘀𝗼𝗻 𝘄𝗵𝗼 𝗯𝘂𝗶𝗹𝘁 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗼𝗼𝗱 𝗶𝘁 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝗮𝗻𝗱 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝘄𝗵𝗼 𝗰𝗮𝗺𝗲 𝗮𝗳𝘁𝗲𝗿 𝘁𝗵𝗲𝗺 𝘄𝗮𝘀 𝗷𝘂𝘀𝘁 𝗸𝗶𝗻𝗱 𝗼𝗳 𝗳𝗶𝗴𝘂𝗿𝗶𝗻𝗴 𝗶𝘁 𝗼𝘂𝘁 𝗮𝘀 𝘁𝗵𝗲𝘆 𝘄𝗲𝗻𝘁. The knowledge didn't transfer with the money. The structures may have been there but nobody really understood what they were for or how they worked, and without that understanding things slowly fall apart in ways that are completely avoidable.

𝗜 𝗵𝗲𝗹𝗽 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘀𝗶𝗱𝗲 𝗼𝗳 𝗶𝘁. Getting assets set up properly, making sure things transfer efficiently, making sure what you've built actually reaches the people you want it to reach without getting unnecessarily hammered in the process. That part is very doable and it's what this whole week has been about.

What I also help with is the explanation of it all. 𝗜𝗳 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗵𝗮𝗽𝗽𝗲𝗻𝘀, 𝘆𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝘄𝗼𝗿𝗿𝘆 𝗮𝗯𝗼𝘂𝘁 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 𝗶𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻𝘀 𝗼𝗿 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗳𝗶𝗴𝘂𝗿𝗶𝗻𝗴 𝘁𝗵𝗶𝗻𝗴𝘀 𝗼𝘂𝘁, 𝗜'𝗺 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝗶𝘁 𝘁𝗼 𝘁𝗵𝗲𝗺. Part of this job is understanding your problems and helping find a solution, but another part is being able to explain things to someone who hasn't thought about it at all.

I encourage people to think beyond to the people in their life who are going to inherit what they've built and if they actually understand it. Not the legal documents, nobody needs to read those. Just the basics. Where things are, what's in place, what the thinking was behind the decisions that got made along the way. 𝗪𝗵𝗼 𝘁𝗼 𝗰𝗮𝗹𝗹 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗮𝘀𝗸 𝘁𝗵𝗲𝗺.

Because inheriting something complicated that nobody explained to you, while you're also dealing with losing someone you love, is a genuinely hard situation. 𝗜𝘁 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗯𝗲 𝘁𝗵𝗮𝘁 𝗵𝗮𝗿𝗱. A bit of conversation now makes it a lot easier later and costs nothing except the time to have it.

That part isn't a financial product. 𝗜𝘁'𝘀 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝘁𝗵𝗶𝗻𝗴. And it's worth doing.

27/05/2026

One thing that doesn't get talked about enough when people discuss inheritance is the difference between having a will and actually having a plan.

A will is a document. It sits in a drawer somewhere and tells people what you wanted. 𝗜𝘁 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗱𝗼 𝘁𝗵𝗲 𝘄𝗼𝗿𝗸 𝗼𝗳 𝗺𝗮𝗸𝗶𝗻𝗴 𝘀𝘂𝗿𝗲 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁𝗲𝗱 𝗶𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀. And in Spain specifically, with the regional variations, the cross border complications for anyone with assets in multiple countries, and the way different asset types get treated differently, the gap between what a will says and what actually lands with your family can be vastly different.

I talk to people regularly who feel sorted because they have a will. And I don't want to be the person who bursts your bubble. But if that will was written five years ago and your financial situation has changed since then, if you've started a business, bought property, accumulated investments, moved regions, 𝗶𝘁'𝘀 𝗽𝗿𝗼𝗯𝗮𝗯𝗹𝘆 𝗻𝗼𝘁 𝗱𝗼𝗶𝗻𝗴 𝘁𝗵𝗲 𝗷𝗼𝗯 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝗶𝘁'𝘀 𝗱𝗼𝗶𝗻𝗴 𝗮𝗻𝘆𝗺𝗼𝗿𝗲.

𝗧𝗵𝗲 𝘀𝘁𝘂𝗳𝗳 𝘁𝗵𝗮𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗺𝗮𝗸𝗲𝘀 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝘀 𝗽𝗿𝗲𝘁𝘁𝘆 𝗯𝗮𝘀𝗶𝗰. How your assets are owned. What structures they sit inside. Whether your life insurance is set up in a way that keeps it outside your estate entirely. Whether your business has any kind of succession thinking behind it or whether it just stops when you do. None of it requires a law degree to understand. It just requires someone sitting down with you and going through what you actually have.

Most people put this off because it feels heavy. Once it's done it just feels like something you don't have to think about anymore. That's a pretty good trade.

26/05/2026

Spanish inheritance tax gets talked about like it's one thing. It's not. It's about seventeen different things depending on where you live and who's receiving what.

𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗶𝗻 𝗠𝗮𝗱𝗿𝗶𝗱 𝘆𝗼𝘂𝗿 𝗸𝗶𝗱𝘀 𝗮𝗿𝗲 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗯𝗲 𝗶𝗻 𝗽𝗿𝗲𝘁𝘁𝘆 𝗴𝗼𝗼𝗱 𝘀𝗵𝗮𝗽𝗲. The regional government there has reduced inheritance tax to almost nothing for direct family. Valencia is a different story. The Basque Country has its own system entirely that is genuinely among the most favorable in the country. Andalucía has improved significantly in recent years. Catalonia is complicated. 𝗔𝗻𝗱 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗮 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝗮𝘀𝘀𝗲𝘁𝘀 𝗶𝗻 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗿𝗲𝗴𝗶𝗼𝗻𝘀 𝗼𝗿 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗰𝗼𝘂𝗻𝘁𝗿𝗶𝗲𝘀 𝗶𝘁 𝗴𝗲𝘁𝘀 𝗺𝗼𝗿𝗲 𝗹𝗮𝘆𝗲𝗿𝗲𝗱 𝘀𝘁𝗶𝗹𝗹.

The reason this matters practically is that a lot of people in Spain have made financial decisions based on a general assumption that inheritance tax here is manageable without ever actually checking what applies to their specific situation in their specific region. Sometimes that assumption is right. Sometimes it's off by a significant amount of money.

What makes this particularly relevant for business owners and executives is that the assets involved aren't always straightforward to value or transfer. A business interest, a property portfolio, investments held in various structures, these all get treated differently and the timing of when things transfer and how they're structured beforehand makes a real difference to what the people receiving them actually end up with.

𝗧𝗵𝗲 𝗵𝗼𝗻𝗲𝘀𝘁 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆 𝗳𝗿𝗼𝗺 𝗮𝗹𝗹 𝗼𝗳 𝘁𝗵𝗶𝘀 𝗶𝘀 𝘁𝗵𝗮𝘁 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝗹𝗶𝘃𝗲 𝗶𝗻 𝗦𝗽𝗮𝗶𝗻 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝗮𝘀𝘀𝗲𝘁𝘀 𝗮𝗿𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝗱 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗲𝗻𝗼𝗿𝗺𝗼𝘂𝘀𝗹𝘆. If you haven't looked at this with someone who knows the regional picture properly you're essentially making assumptions about one of the most important financial questions you'll ever deal with.

That's worth fixing.

25/05/2026

There's been a lot of conversation lately about inheritance and what actually happens to everything you've built when you're gone. I've been seeing it on social media, hearing it in client meetings, and it's honestly one of those topics where the gap between what people assume will happen and what Spanish law actually does is pretty wide.

𝗠𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲'𝘀 𝗽𝗹𝗮𝗻 𝗶𝘀 𝗿𝗼𝘂𝗴𝗵𝗹𝘆 "𝗺𝘆 𝗳𝗮𝗺𝗶𝗹𝘆 𝘄𝗶𝗹𝗹 𝗴𝗲𝘁 𝗺𝘆 𝘀𝘁𝘂𝗳𝗳." Which is fine as far as intentions go. The issue is that Spanish inheritance law has its own logic and it doesn't particularly care about intentions. It cares about structure. What you own, how you own it, where you live, and what relationship the people inheriting have to you. 𝗚𝗲𝘁 𝘁𝗵𝗼𝘀𝗲 𝘁𝗵𝗶𝗻𝗴𝘀 𝘄𝗿𝗼𝗻𝗴 𝗮𝗻𝗱 𝗮 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁 𝗰𝗵𝘂𝗻𝗸 𝗼𝗳 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘀𝗽𝗲𝗻𝘁 𝘆𝗲𝗮𝗿𝘀 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗲𝗻𝗱𝘀 𝘂𝗽 𝘀𝗼𝗺𝗲𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝗱𝗶𝗱𝗻'𝘁 𝗶𝗻𝘁𝗲𝗻𝗱 𝗶𝘁 𝘁𝗼 𝗴𝗼.

It also varies a lot by region which most people don't realize until it matters. Madrid works differently to Valencia. The Basque Country has its own rules entirely that are considerably more favorable than most of the rest of Spain. If you have any connection to that region it's genuinely worth knowing about.

This week I want to walk through the practical reality of all this in plain language. Not to be morbid about it and not to make it more complicated than it needs to be. J𝘂𝘀𝘁 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝗿𝗲𝗮𝗱𝗶𝗻𝗴 𝘁𝗵𝗶𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁'𝘀 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗶𝘀𝗻'𝘁, 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗳𝗶𝗻𝗱 𝘁𝗵𝗮𝘁 𝗼𝘂𝘁 𝗶𝘀 𝗻𝗼𝘄 𝗿𝗮𝘁𝗵𝗲𝗿 𝘁𝗵𝗮𝗻 𝘄𝗵𝗲𝗻 𝗶𝘁'𝘀 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝘁𝗼𝗼 𝗹𝗮𝘁𝗲 𝘁𝗼 𝗱𝗼 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴 𝘂𝘀𝗲𝗳𝘂𝗹 𝗮𝗯𝗼𝘂𝘁 𝗶𝘁.

22/05/2026

Fridays in Spain have a different energy than anywhere else in the world. There's a collective exhale that happens around lunchtime that I love about this country. People close the laptop, meet someone for a beer, and actually stop for a minute. If you're a business owner who hasn't done that properly in a while, today's a good day to start.

𝗧𝗵𝗲 𝘄𝗵𝗼𝗹𝗲 𝗽𝗼𝗶𝗻𝘁 𝗼𝗳 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗶𝘀 𝘀𝗼 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗲𝘃𝗲𝗻𝘁𝘂𝗮𝗹𝗹𝘆 𝗲𝗻𝗷𝗼𝘆 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝗶𝘁 𝘄𝗮𝘀 𝘀𝘂𝗽𝗽𝗼𝘀𝗲𝗱 𝘁𝗼 𝗰𝗿𝗲𝗮𝘁𝗲. That sounds obvious but it's remarkable how easy it is to keep pushing that part further into the future while the present keeps demanding everything you've got.

If anything this week made you think about whether what you're building is actually pointed in the direction of the life you want, that's the right question to be sitting with. Not stressfully. Just honestly.

Markets this week have continued to move in ways that make having proper structure in place pretty important. Trade tensions between the US and Europe remain unresolved. The euro has been volatile against both sterling and the dollar. Inflation across Spain has remained stubborn enough to keep eroding cash that isn't working hard enough. None of that is going away quickly and the people who have their personal finances properly structured are simply less affected by it than those who don't.

First conversation is always free. No obligation, no pressure, no inbox flooding afterwards. Just an honest conversation about whether there's a better way.

Have a good weekend. Go find someone to have that beer with.

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