Wealth Advisory for International Residents in Marbella
Marbella attracts some of the world's most discerning individuals — with up to 60 private flights daily at peak, branded residences by Four Seasons and Bulgari, and one of Europe's highest concentrations of HNWIs. Managing wealth in Spain requires specialist expertise in local tax, cross-border structuring, and compliant investment vehicles. Fideso has served this community since 1980.
The Challenges Wealthy Residents Face in Spain
Spain's tax system presents unique complexities for HNWIs — from wealth tax on worldwide assets to forced heirship rules that can override your estate plans. Proactive planning is essential.
Wealth Tax Exposure
Spain levies wealth tax on worldwide assets for residents, plus the Solidarity Tax on fortunes over €3 million. Proper structuring can reduce exposure significantly without aggressive avoidance.
Multi-Jurisdiction Complexity
Assets in multiple countries, income from various sources, tax residency questions — HNWIs need coordinated cross-border planning, not isolated local advice.
Succession & Inheritance
Spanish inheritance law and forced heirship rules can conflict with your wishes and your home country's law. Without proper planning, your heirs may face unexpected tax bills and legal challenges.
Investment Tax Inefficiency
Many international investment structures (ISAs, SIPPs, offshore bonds) are not tax-compliant in Spain. Continuing to hold them can trigger annual taxation on unrealised gains.
Standard Tax vs. Beckham Law Regime
The Beckham Law can transform the tax position of qualifying HNWIs. Here's how the two regimes compare.
| Category | Standard Regime | Beckham Law |
|---|---|---|
| Income Tax (Employment) | Up to 47–54% | 24% flat |
| Foreign Employment Income | Taxed at progressive rates | Largely exempt |
| Dividend Income | 19–28% | 19–28% |
| Capital Gains (Securities) | 19–28% | 19–28% |
| Wealth Tax | 0.2–3.5% on worldwide assets | Spanish assets only |
| Foreign Asset Reporting (720) | Full worldwide declaration | Simplified obligations |
How Fideso Serves HNW Clients
We combine local Spanish tax expertise with an understanding of international wealth structures — coordinating with your existing advisors to deliver integrated solutions.
Tax Residency & Beckham Law
Determine the optimal tax residency strategy. If eligible, the Beckham Law offers a flat 24% rate for 6 years — with foreign income (excluding Spanish employment) largely exempt. This alone can save HNWIs hundreds of thousands.
Learn moreWealth Structuring (SCIB)
Spanish Compliant Investment Bonds (via Utmost International) offer tax deferral, preferential rates on withdrawals, unlimited fund switching without triggering tax events, and clean succession planning. Designed specifically for expat investors with €100K+ in investable assets.
Learn moreReal Estate Portfolio Advisory
Whether you're acquiring a primary residence, a portfolio of rental properties, or investing in branded residences (Four Seasons, Marriott, Bulgari), each transaction requires careful structuring for purchase tax, ongoing compliance, and eventual exit.
Learn moreSuccession & Estate Planning
Spanish inheritance law applies forced heirship rules that may override your will. We coordinate with your international advisors to create estate plans that work across jurisdictions — protecting your family and minimising inheritance tax.
Learn moreAnnual Tax Compliance
Spanish tax residents face obligations including income tax (IRPF), wealth tax (Impuesto sobre el Patrimonio), Solidarity Tax, Modelo 720 foreign asset declarations, and capital gains reporting. We handle all filings with precision.
Learn moreOutsourced CFO & Family Office
For clients with complex financial lives, our Outsourced CFO service provides ongoing financial oversight — cash flow management, investment monitoring, tax calendar management, and coordination with your other advisors worldwide.
Learn moreConfidentiality & Discretion
We understand that privacy is paramount. All client matters are handled with the utmost discretion, and our advisory is tailored to your specific circumstances — never a one-size-fits-all approach. With 45 years of serving Marbella's international community, our reputation is built on trust.
Explore Your Options — Confidential Consultation
Whether you're considering a move to Spain or already resident and looking to optimise your position, our team provides the expert guidance you need.
Schedule a Private Consultation