A correct Asset Planning leads to the definition and picture of the situation whereon we would like to live tomorrow (where I am and what I would like to reach). For this reason time is a must. The sooner we define a correct planning, the more probabilities we have to reach the pre-established objectives.

In Acapital we draw with our client the picture of "where and how I would like to live", analyzing the resources we have, the individual situation of each one and, therefrom, we design and implement the strategies which make us reach the pre-established objective situation.

In order to achieve such situation, we provide all those tools, financial products, insurance, etc., which presently are within our reach, and whose effective combination shall result in the design of our future way of living.

When trying to attain this final goal - a comfortable retirement – intermediate objectives often arise – children studies, weddings, investments, etc. - likewise, potential risks, which may have a distorting effect therein, are likely to appear as well – a tax change, a mishap, a professional incident, an illness, etc.- for this reason, an appropriate asset planning shall take into account all these factors making use of the most suitable resources in order to meet each one of the proposed objectives, and covering, additionally, the potential risks which may destabilize the development of our plans.

Preparing oneself for retirement or being already retired are two completely different situations; the scheme of the portfolio designed - combination of shares, bonds, monetary assets, insurance, etc. - shall have a clear protection strategy towards inflation, minimize the tax effects and insure and cover any potential and likely contingency which may arise. Such strategy shall include:

• The composition and distribution of assets based on the income objectives we intend to achieve.
• The optimization of tax cost.
• The most efficient structure (accounts, recurrent income, etc.) which grants the highest flexibility, effectiveness and operating capacity.
• The use of coverage instruments (insurance) which guarantee the protection of the assets.