I have investments abroad and I don't know how to manage them from Spain

Returning home after years abroad isn't always straightforward — especially if you have accounts, funds or property overseas.

That was the case of Carla.

Carla, 56, engineer with over 20 years in London

After a long professional career in London, Carla decided to return to Valencia to be closer to her family and slow down.

Over the years she had built a solid financial position: accounts in pounds and euros with over €110,000, a British pension fund worth €180,000, and shares and ETFs on an international platform worth over €100,000. But no clear plan for managing it all from Spain.

She didn't know where to start. Should she repatriate the money? How would it affect her tax position? What if she wanted to retire in Spain in 5 or 6 years?

A former expat colleague recommended she come to Quality Finance.

What we did together

We carried out a full international wealth analysis, reviewing all assets and accounts in pounds, euros and dollars.

We planned her tax obligations on returning to Spanish tax residency, explaining how to declare everything correctly, avoid penalties and minimise the tax impact.

We managed the currency conversion strategically — we didn't move everything at once, but helped her take advantage of more favourable exchange rates.

We reorganised her investment portfolio with her new Spanish tax residency in mind, optimising it with products adapted to her new life.

We built a roadmap to retirement in Spain, calculating her future pension, monthly needs and target return.

Thanks to this plan, Carla avoided costly mistakes when moving her money, felt secure knowing everything was properly organised, and was able to start planning her retirement in Spain with peace of mind.

All case details have been modified to protect privacy. Presented for informational purposes only.