Patrimonial Architecture & Relocation Diagnostic

Strategic coordination for high-net-worth relocations to Spain — white-label fiscal execution with licensed professionals.

1. The Coordination Problem

High-net-worth relocations to Spain involve 7+ independent professional domains (immigration, tax, real estate, banking, insurance, estate planning, crypto compliance). Most individuals attempt to coordinate these domains themselves, resulting in:

Structural consequence: Uncoordinated relocations cost HNWI an average of €67,000 in excess tax, penalties, and opportunity costs over the first 36 months.

2. Methodology — Integrated Architecture Framework

Our diagnostic applies a proprietary coordination methodology across six interdependent domains. We serve as project manager, not licensed advisor.

2.1. Immigration & Residency Pathway

• Visa eligibility assessment (Non-Lucrative, Digital Nomad, Golden Visa, Beckham Law employment)
• Timeline modeling (application → approval → physical move → tax residency trigger)
• Documentation checklist with 47-point verification
• Consular appointment strategy (jurisdiction selection for fastest processing)

2.2. Tax Residency & Optimization Windows

• 183-day physical presence tracking protocol
• Beckham Law eligibility assessment (employment structure requirements)
• Modelo 721 compliance calendar (crypto, foreign accounts, securities)
• DAC8 impact analysis (automatic exchange of crypto data from 2026)
• Exit tax planning from current jurisdiction (if applicable)

2.3. Banking & Financial Infrastructure

• Bank selection matrix (crypto-friendly, international wire capabilities, multi-currency)
• Source of funds documentation package (for compliance onboarding)
• Multi-jurisdictional account architecture (Spain + offshore if applicable)
• Payment processor setup (NOWPayments, Wise, Revolut Business)

2.4. Real Estate Acquisition Strategy

• Buy vs. rent decision modeling (5-year NPV analysis)
• Zone selection based on lifestyle + investment criteria
• Integration with Buyer’s Agent service (if acquisition planned)
• Mortgage feasibility assessment (non-resident vs. resident rates)

2.5. Insurance & Risk Management

• Health insurance compliance (for visa requirements)
• Property insurance optimization (DANA coverage, liability limits)
• Life insurance + estate planning integration
• Professional liability coverage (for entrepreneurs)

2.6. Crypto & Digital Asset Structuring

• Wallet architecture (hot/cold storage, multi-sig for large holdings)
• Exchange selection (EU-regulated, tax reporting capabilities)
• On/off-ramp optimization (minimizing taxable events)
• Estate planning for digital assets (inheritance protocols)

Deliverable: 35-page strategic roadmap with 90/180/365-day action plan, delivered within 14 business days of initial consultation.

3. Scope Limitations — What We Do Not Do

4. White-Label Fiscal Execution Model

We operate as project manager, not fiscal advisor. Here’s how execution works:

4.1. Partner Network Structure

4.2. Our Role

1. Needs assessment — Identify which licensed professionals you require
2. Partner matching — Recommend 2-3 vetted professionals per domain from our network
3. Briefing preparation — Compile your situation into structured dossiers for each professional
4. Coordination calls — Facilitate multi-party calls to ensure consistent advice
5. Timeline management — Track deadlines, document requests, and deliverables
6. Conflict resolution — Mediate when professionals provide contradictory advice

4.3. What You Pay

Total first-year cost: €5,000–€8,000 (all-inclusive)

5. Engagement Terms

5.1. Fee Structure

Accepted payment methods:

• SEPA wire transfer (EUR)
• USDC on Ethereum, Polygon, or Arbitrum (Bankless Checkout)
• Bitcoin (on-chain, Lightning Network available)

5.2. Engagement Process

1. Qualification — Submission of preliminary inquiry form
2. Conflict check — Verification of no existing relationships with your current advisors
3. Engagement letter — Signature of coordination contract with explicit scope
4. Initial deposit — 50% fee transfer
5. Discovery call — 90-minute deep-dive into your situation (recorded with consent)
6. Partner recommendations — 2-3 vetted professionals per domain
7. Briefing dossiers — Structured documents for each professional
8. Coordination calls — Facilitated multi-party sessions (2-3 calls)
9. Strategic roadmap delivery — 35-page document with 90/180/365-day plan
10. Final settlement — Remaining 50% upon delivery
11. 90-day support — Email support for implementation questions

5.3. Capacity Constraints

We accept a maximum of three (3) new diagnostic engagements per calendar month to ensure quality coordination. Current lead time: 21 business days.

6. Anonymized Case Studies

Case Study 01 — Beckham Law Optimization, Dutch Entrepreneur

Case Study 02 — Multi-Jurisdictional Banking, German Crypto Investor

7. Independence & Conflict of Interest Policy

We maintain structural independence through four non-negotiable commitments:

1. No referral commissions — We receive zero compensation from recommended professionals. Our network is curated for quality, not financial incentive.
2. No proprietary services — We do not offer tax, legal, or accounting services in-house. All regulated work is executed by independent licensed professionals.
3. No financial product sales — We do not sell insurance, investment products, or banking services. Recommendations are purely advisory.
4. Transparent partner vetting — All recommended professionals have been personally vetted through 3+ client engagements with documented outcomes.

This independence policy is contractually binding and survives the termination of any engagement.

8. Engagement Inquiry

Qualified inquiries are reviewed within 48 hours. Please provide:

• Current nationality and tax residency
• Anticipated move date to Spain
• Household composition (spouse, dependents)
• Estimated annual income / liquid net worth
• Primary income sources (employment, business, investments, crypto)
• Specific concerns (Beckham Law, Modelo 721, banking, etc.)

All inquiries are treated as strictly confidential. No information is shared with third parties without explicit written consent.