sphera-wealth-management-advisory
$3,265,000,000 across 7 groups · valuations as of ledger snapshot
€1.8M/yr of Beckham-regime exposure sits in the book
The desk is watching 52 open insights across the book — 4 exposure findings, 28 risks and 20 recommendations, 18 of them high-priority. The modelled 2027 repeal of Spain's Beckham regime would cost €1,820,000 a year, concentrated in the Salvatierra and Duarte files. 2 of 4 findings carry signed attestations.
Mateo currently benefits from Beckham: Spanish-source employment income flat-taxed at 24% and non-Spanish income excluded. If the regime is repealed f… Review the finding and its attestation.
Open in queueBecause Lucas is ineligible for Beckham (prior Spanish residence 2020–2022), he is already taxed under standard IRPF on worldwide income and subject t… Review the finding and its attestation.
Open in queueSingle-valley vineyard concentration exposes target to climate events Review the mitigation plan.
Open in queue