Wealth

It is a written document that organises your money according to when you will need it: a liquidity cushion for emergencies (about six months of expenses), medium-term goals (3 to 7 years) and retirement savings. It includes your current situation, an improved scenario, the products that suit your profile and a review schedule. A dedicated adviser builds it with you, and it is reviewed regularly, with a full review every year.

The initial assessment is done by video call, in writing or at an office, as you prefer, and before we start we tell you clearly what has a cost and what does not. If you decide to take out a product, the terms and costs of each one are explained in writing before you sign anything. We will never ask you to decide in the first conversation.

No. No serious investment can guarantee a return, and we do not. What we do is explain scenarios to you (conservative, moderate and dynamic), the risk of each level and what happens if the market performs worse than expected. The goal of a plan is not to hit a number, but for your money to have a clear job, with a risk you understand and accept.

It depends on your country, your income and when you will need the money. In Spain the pension plan has a limited tax benefit and little liquidity; in Portugal the PPR works in a similar way; in Mexico the PPR can be deducted in the annual tax return. Funds offer more flexibility and savings insurance adds protection. It is usual to combine several. At the first meeting we explain the tax rules in force in your country and compare the options in writing.

We start by calculating the public pension you are entitled to with your current contribution base and the gap with the income you would like to have. Then we set a realistic monthly contribution, with the flexibility to lower it in bad months, and choose the right vehicles for your country. In Spain, Portugal and Mexico there are products designed for self-employed workers, and we compare them for you at the meeting.

There is no minimum to make the plan. What matters is consistency: an automatic monthly contribution is easier to keep up over time than a large one-off amount. If you have some savings, for example 10,000 euros, we explain how to split them between liquidity, medium term and long term according to your risk profile.

Yes. SafeBrok Longevity supports clients in all three countries, in Spanish, Portuguese, English and French, by video call or in writing. Each country has its own tax rules and its own products, so the plan is adapted to where you live and pay taxes.

The plan is reviewed regularly and whenever something important changes: a child, a mortgage, a change of job or country. Your dedicated adviser stays the same throughout the relationship, so you do not have to explain everything again from scratch.