Finance‑Spain.com

Finance‑Spain.com is run by Patrick Macdonald, an English‑speaking international financial adviser who provides regulated cross‑border wealth, pension and tax planning for expatriates living in Valencia and elsewhere in Spain. The site emphasises pension transfers, Spanish‑compliant investment structures, wealth‑tax mitigation, inheritance planning and reporting overseas assets (Modelo 720).

Services are delivered mainly by online consultation and WhatsApp; the site names Patrick Macdonald (ACSI / CISI) and states he is an appointed representative of Blacktower Financial Management (International) Limited, with BFMI licensed by the Financial Services Commission in Gibraltar (Licence No: 00805B). The site also publishes client review counts and opening hours but does not show fixed public street address or published fee schedules.

1. Discovery call — goals, pensions, assets, family circumstances and residency position.
2. Analysis — reviewing tax exposure, income needs, and portfolio structure.
3. Recommendation — clear rationale, costs explained, and practical next steps.
4. Ongoing reviews — keeping the plan aligned as markets, legislation and your life change.