{"id":329519,"date":"2026-10-13T09:18:59","date_gmt":"2026-10-13T07:18:59","guid":{"rendered":"https:\/\/sol-fiscal.com\/diversificacio-patrimonial-i-inversions\/"},"modified":"2026-11-06T15:50:23","modified_gmt":"2026-11-06T14:50:23","slug":"diversificacio-patrimonial-i-inversions","status":"publish","type":"page","link":"https:\/\/sol-fiscal.com\/ca\/diversificacio-patrimonial-i-inversions\/","title":{"rendered":"Diversificaci\u00f3 patrimonial i inversions"},"content":{"rendered":"\r\n\r\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_flex_section sf-hero-cercle\">\r\n\r\n<div class=\"et_pb_row_0 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_0 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>Diversificaci\u00f3 patrimonial i inversions a Andorra<\/strong><\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h1>Doneu una orientaci\u00f3 al vostre patrimoni a Andorra<\/h1>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>El patrimoni \u00e9s m\u00e9s que un conjunt de productes. \u00c9s la capacitat de finan\u00e7ar la vida i els projectes que trieu.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_group_0 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"difl_advancedbutton_0 difl_advancedbutton et_pb_module\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Parlar amb el despatx<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div>\r\n\r\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"#methode\">Veure com us ajudem a decidir<\/a><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_1 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Heu creat valor. Ara cal decidir qu\u00e8 ha de fer possible: conservar un marge real de maniobra, finan\u00e7ar un nou projecte, generar ingressos, invertir a Andorra, implicar els fills o preparar la transmissi\u00f3 del patrimoni.<\/p>\n<p>Connectem les decisions jur\u00eddiques, fiscals, comptables, banc\u00e0ries, immobili\u00e0ries i empresarials per definir una estructura que pugueu entendre, gestionar i adaptar.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>Una visi\u00f3 abans dels productes \u00b7 Responsabilitats per escrit \u00b7 Participaci\u00f3 dels vostres assessors \u00b7 Seguiment despr\u00e9s de la signatura<\/strong><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_1 et_pb_row et_pb_gutters3 et_block_row\">\r\n\r\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_0 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2.png\" alt=\"SOL Fiscal, membre de la xarxa Viaexperts\" width=\"700\" height=\"205\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2.png 700w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2-480x141.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 700px, 100vw\" class=\"wp-image-327816\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>Membre de la xarxa Viaexperts<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\" id=\"cap\">\r\n\r\n<div class=\"et_pb_row_2 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>El client abans que els productes<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Abans d\u2019invertir, definiu qu\u00e8 voleu que us permetin fer els diners.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_3 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_4 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-patrimoine-map {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n\n  position: relative;\n  isolation: isolate;\n  width: 100%;\n  max-width: 510px;\n  aspect-ratio: 1;\n  margin: 10px auto;\n  font-family: \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-patrimoine-map,\n.sf-patrimoine-map * {\n  box-sizing: border-box;\n}\n\n\/* Cercle de liaison ext\u00e9rieur *\/\n.sf-patrimoine-map__orbit {\n  position: absolute;\n  inset: 10% 15% 20%;\n  border: 1px solid rgba(178, 152, 109, .4);\n  border-radius: 50%;\n  z-index: -1;\n}\n\n\/* Centre *\/\n.sf-patrimoine-map__center {\n  position: absolute;\n  top: 45%;\n  left: 50%;\n  transform: translate(-50%, -50%);\n\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 30%;\n  aspect-ratio: 1;\n  padding: 18px;\n  border-radius: 50%;\n  background: var(--sf-ink);\n  color: var(--sf-paper);\n  box-shadow: 0 12px 30px rgba(42, 41, 39, .08);\n\n  font-family: Freight, Georgia, serif;\n  font-size: clamp(23px, 2.5vw, 32px);\n  font-weight: 400;\n  line-height: 1.08;\n  text-align: center;\n}\n\n\/* Anneau fin autour du centre *\/\n.sf-patrimoine-map__center::before,\n.sf-patrimoine-map__center::after {\n  content: \"\";\n  position: absolute;\n  inset: -11px;\n  border-radius: 50%;\n  pointer-events: none;\n}\n\n.sf-patrimoine-map__center::before {\n  border: 1px solid rgba(178, 152, 109, .3);\n}\n\n\/* Animation lente *\/\n.sf-patrimoine-map__center::after {\n  border: 1px solid transparent;\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  animation: sfPatrimoineOrbit 35s linear infinite;\n}\n\n\/* Les cinq bulles *\/\n.sf-patrimoine-map__node {\n  position: absolute;\n  transform: translate(-50%, -50%);\n\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 25%;\n  aspect-ratio: 1;\n  padding: 12px;\n  border: 1px solid rgba(178, 152, 109, .58);\n  border-radius: 50%;\n  background: #fff;\n  color: var(--sf-ink);\n  box-shadow: 0 6px 20px rgba(42, 41, 39, .025);\n\n  font-size: clamp(12px, 1.25vw, 15px);\n  font-weight: 500;\n  line-height: 1.35;\n  text-align: center;\n  hyphens: auto;\n\n  transition: border-color .3s, box-shadow .3s;\n}\n\n.sf-patrimoine-map__node:hover {\n  border-color: var(--sf-gold);\n  box-shadow: 0 8px 25px rgba(178, 152, 109, .13);\n}\n\n.sf-patrimoine-map__node--liquidite {\n  top: 10%;\n  left: 50%;\n}\n\n.sf-patrimoine-map__node--entreprise {\n  top: 35%;\n  left: 85%;\n}\n\n.sf-patrimoine-map__node--famille {\n  top: 75%;\n  left: 72%;\n}\n\n.sf-patrimoine-map__node--immobilier {\n  top: 75%;\n  left: 28%;\n}\n\n.sf-patrimoine-map__node--investissements {\n  top: 35%;\n  left: 15%;\n}\n\n\/* L\u00e9gende *\/\n.sf-patrimoine-map__caption {\n  position: absolute;\n  bottom: 0;\n  left: 0;\n  width: 100%;\n  margin: 0;\n  padding: 0 15px;\n\n  color: #80633a;\n  font-size: 10px;\n  line-height: 1.5;\n  letter-spacing: .12em;\n  text-align: center;\n  text-transform: uppercase;\n}\n\n@keyframes sfPatrimoineOrbit {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n@media (max-width: 800px) {\n  .sf-patrimoine-map {\n    max-width: 440px;\n  }\n\n  .sf-patrimoine-map__center {\n    font-size: 29px;\n  }\n\n  .sf-patrimoine-map__node {\n    font-size: 14px;\n  }\n}\n\n@media (max-width: 500px) {\n  .sf-patrimoine-map {\n    max-width: 340px;\n    margin: 0 auto 12px;\n  }\n\n  .sf-patrimoine-map__node {\n    width: 26%;\n    padding: 6px;\n    font-size: 12px;\n  }\n\n  .sf-patrimoine-map__center {\n    width: 29%;\n    padding: 10px;\n    font-size: 23px;\n  }\n\n  .sf-patrimoine-map__center::before,\n  .sf-patrimoine-map__center::after {\n    inset: -7px;\n  }\n\n  .sf-patrimoine-map__caption {\n    font-size: 9px;\n    letter-spacing: .09em;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-patrimoine-map__center::after {\n    animation: none;\n  }\n\n  .sf-patrimoine-map__node {\n    transition: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-patrimoine-map\" lang=\"fr\">\n  <div class=\"sf-patrimoine-map__orbit\" aria-hidden=\"true\"><\/div>\n\n  <div class=\"sf-patrimoine-map__center\">\n    Els vostres projectes\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--liquidite\">\n    Liquiditat\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--entreprise\">\n    Empresa\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--famille\">\n    Fam\u00edlia\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--immobilier\">\n    Immobles\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--investissements\">\n    Inver<wbr>sions\n  <\/div>\n\n  <p class=\"sf-patrimoine-map__caption\">\n    Coordinaci\u00f3 a c\u00e0rrec de SOL Fiscal\n  <\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_5 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>El capital disponible despr\u00e9s d\u2019una venda, una distribuci\u00f3, una transmissi\u00f3 o diversos anys de creixement rarament t\u00e9 una \u00fanica destinaci\u00f3. Pot caldre mantenir-ne una part immediatament disponible. Una altra pot finan\u00e7ar un projecte a mitj\u00e0 termini. Una tercera pot assumir menys liquiditat si s\u2019entenen els drets, el risc i l\u2019horitz\u00f3 temporal.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><blockquote>\n<p>Comencem per la decisi\u00f3 que cal prendre i despr\u00e9s estudiem els instruments.<\/p>\n<\/blockquote>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_4 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_6 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Mantenir una reserva realment disponible<\/h3><div class=\"et_pb_blurb_description\"><p>La liquiditat necess\u00e0ria dep\u00e8n dels ingressos, els impostos, els compromisos, el cost de mantenir el vostre nivell de vida i els projectes previstos. Els diners invertits, pignorats o compromesos en un fons cobreixen necessitats diferents de la tresoreria disponible.<\/p>\n<p>Fixem els terminis i els marges de seguretat abans de parlar de l\u2019assignaci\u00f3 del capital. Quan \u00e9s necessari, l\u2019assessorament en inversi\u00f3 i la gesti\u00f3 financera es confien a entitats i professionals autoritzats.<\/p>\n<p><a href=\"https:\/\/sol-fiscal.com\/apres-une-cession-combien-garder-disponible-avant-dinvestir\/\">Venda d\u2019una empresa: quina liquiditat cal conservar abans de reinvertir?<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_7 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_1 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Donar un lloc a cada projecte<\/h3><div class=\"et_pb_blurb_description\"><p>Habitatge habitual, compra d\u2019un immoble, desenvolupament d\u2019una activitat, participaci\u00f3 en una empresa o transmissi\u00f3 als fills: cada projecte t\u00e9 els seus terminis, una forma de titularitat i un nivell de risc.<\/p>\n<p>Reunir-ho tot en una sola societat o finan\u00e7ar-ho amb el mateix deute no sempre simplifica les coses. Distingim les necessitats personals, les de l\u2019activitat empresarial i les de la inversi\u00f3.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_8 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_2 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Conservar la possibilitat de canviar de parer<\/h3><div class=\"et_pb_blurb_description\" data-et-mv-hidden-phone=\"true\"><p>Una inversi\u00f3 s\u2019ha de valorar m\u00e9s enll\u00e0 del rendiment anunciat. Examinem els drets d\u2019informaci\u00f3, les comissions, les aportacions de capital requerides, les garanties, les opcions de venda, les conseq\u00fc\u00e8ncies d\u2019un desacord i el temps que cal per recuperar el capital.<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_5 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_9 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_3 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Cinc preguntes per comen\u00e7ar<\/h3><div class=\"et_pb_blurb_description\"><ol>\n<li>Quins imports necessitareu durant els pr\u00f2xims tres anys?<\/li>\n<li>Quin capital continua subjecte a compromisos fiscals, societaris o contractuals?<\/li>\n<li>Quins actius voleu gestionar directament, delegar o transmetre?<\/li>\n<li>Quina part del patrimoni pot quedar immobilitzada sense posar en risc els altres projectes?<\/li>\n<li>Qui ha de poder entendre l\u2019estructura i assumir-ne la gesti\u00f3 amb vosaltres?<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\">\r\n\r\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_10 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Fer un mapa del capital<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>No tots els euros disponibles <br \/>es poden utilitzar de la mateixa manera.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_7 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_11 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Abans de moure els fons, reconstru\u00efm el seu origen i els compromisos associats: patrimoni personal, societat operativa, societat holding francesa, distribuci\u00f3, producte d\u2019una venda, donaci\u00f3, pr\u00e9stec o compte corrent de soci.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_image_1 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal.webp\" title=\"apports-restructurations-sol-fiscal\" width=\"1200\" height=\"800\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal.webp 1200w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal-980x653.webp 980w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal-480x320.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" class=\"wp-image-328766\" alt=\"SOL Fiscal treballa amb els vostres assessors en q\u00fcestions jur\u00eddiques, fiscals i immobili\u00e0ries\" \/><\/span><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_12 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_4 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Distingir la disponibilitat econ\u00f2mica de la disponibilitat jur\u00eddica<\/h3><div class=\"et_pb_blurb_description\"><p>La tresoreria que figura en un compte pot pert\u00e0nyer a una societat, estar afectada a la seva activitat, garantir un deute o continuar subjecta a un comprom\u00eds. La voluntat d\u2019invertir de qui dirigeix la societat no converteix aquests diners en capital personal.<\/p>\n<p>Comprovem qui \u00e9s titular dels fons, qui pot prendre la decisi\u00f3, com es poden utilitzar i quins documents n\u2019hauran de justificar el moviment.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_5 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Revisar els antecedents fiscals abans d\u2019invertir de nou<\/h3><div class=\"et_pb_blurb_description\"><p>Una aportaci\u00f3 seguida de cessi\u00f3, un ajornament o una suspensi\u00f3 de la tributaci\u00f3, una donaci\u00f3, un desmembrament del domini o una operaci\u00f3 de grup poden continuar produint efectes. Abans de subscriure o adquirir res, incorporem a l\u2019expedient les dates, els imports que cal seguir i les obligacions.<\/p>\n<p>L\u2019objectiu \u00e9s que la decisi\u00f3 d\u2019invertir es prengui amb una visi\u00f3 completa del capital disponible, sense complicar el projecte.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_6 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Preparar amb el banc la justificaci\u00f3 de l\u2019origen dels fons<\/h3><div class=\"et_pb_blurb_description\"><p>Les entitats necessiten entendre l\u2019origen dels fons, la cadena d\u2019operacions i qui s\u00f3n els titulars reals. Organitzem els documents amb els vostres assessors i el contacte bancari: actes jur\u00eddics, comptes, decisions, justificants de venda o distribuci\u00f3 i explicaci\u00f3 del projecte.<\/p>\n<p>El banc continua sent responsable dels seus controls i de la seva decisi\u00f3. Nosaltres ens encarreguem que l\u2019expedient sigui clar i coherent.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"organisation\">\r\n\r\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_13 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Triar l\u2019estructura\u00a0<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>La societat que genera valor <br \/>no ha de concentrar necess\u00e0riament tot el vostre patrimoni.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_9 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_14 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Una estructura patrimonial separada pot distingir l\u2019estrat\u00e8gia d\u2019inversi\u00f3 de l\u2019activitat operativa, organitzar la governan\u00e7a familiar o agrupar diversos projectes. Nom\u00e9s \u00e9s \u00fatil si se\u2019n justifiquen les funcions, els costos i les obligacions.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_10 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_15 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-ownership {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 360px;\n  margin: 0 auto;\n  text-align: center;\n}\n\n.sf-ownership,\n.sf-ownership * {\n  box-sizing: border-box;\n}\n\n.sf-ownership__node {\n  padding: 27px 24px;\n  border: 1px solid var(--sf-line);\n  background: var(--sf-paper);\n  color: var(--sf-ink);\n\n  font-family: Freight, Georgia, serif;\n  font-size: 27px;\n  font-weight: 400;\n  line-height: 1.2;\n  overflow-wrap: break-word;\n}\n\n.sf-ownership__node--focal {\n  background: var(--sf-ink);\n  color: var(--sf-paper);\n  border-color: var(--sf-ink);\n}\n\n.sf-ownership__link {\n  display: block;\n  width: 1px;\n  height: 40px;\n  margin: 0 auto;\n  background: var(--sf-gold);\n}\n\n.sf-ownership__caption {\n  margin-top: 22px;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 13px;\n  line-height: 1.5;\n}\n\n@media (max-width: 500px) {\n  .sf-ownership__node {\n    padding: 23px 20px;\n    font-size: 24px;\n  }\n\n  .sf-ownership__link {\n    height: 30px;\n  }\n\n  .sf-ownership__caption {\n    margin-top: 18px;\n    font-size: 12px;\n  }\n}\n<\/style>\n\n<figure class=\"sf-ownership\">\n  <div class=\"sf-ownership__node\">\n    Vosaltres i la vostra fam\u00edlia\n  <\/div>\n\n  <span class=\"sf-ownership__link\" aria-hidden=\"true\"><\/span>\n\n  <div class=\"sf-ownership__node\">\n    activitat existent\n  <\/div>\n\n  <span class=\"sf-ownership__link\" aria-hidden=\"true\"><\/span>\n\n  <div class=\"sf-ownership__node sf-ownership__node--focal\">\n    estructura patrimonial o filial, segons les necessitats\n  <\/div>\n\n  <figcaption class=\"sf-ownership__caption\">\n    una opci\u00f3 entre diverses\n  <\/figcaption>\n<\/figure><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_16 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_7 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Tenir els actius a t\u00edtol personal<\/h3><div class=\"et_pb_blurb_description\"><p>La titularitat personal pot continuar sent la soluci\u00f3 m\u00e9s clara per a alguns actius. Evita una capa addicional de governan\u00e7a i comptabilitat, per\u00f2 cal valorar-la en funci\u00f3 del finan\u00e7ament, la responsabilitat, la transmissi\u00f3 i la participaci\u00f3 d\u2019altres persones.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_8 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Crear una societat patrimonial espec\u00edfica<\/h3><div class=\"et_pb_blurb_description\"><p>Una societat pot tenir liquiditat, t\u00edtols, un immoble o una participaci\u00f3. T\u00e9 comptes, contractes, decisions i obligacions propis. Cal determinar qui la finan\u00e7a, qui la dirigeix, com s\u2019utilitzen els seus actius i com se\u2019n podr\u00e0 retirar el capital.<\/p>\n<p>L\u2019\u00fas privat d\u2019un b\u00e9 de la societat s\u2019ha de preveure i tractar expressament. Les despeses personals i les de la societat continuen sent diferents encara que el b\u00e9 sigui en mans d\u2019una societat.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_9 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Invertir des d\u2019una societat matriu francesa<\/h3><div class=\"et_pb_blurb_description\"><p>Un grup pot mantenir la matriu a Fran\u00e7a i <a href=\"https:\/\/sol-fiscal.com\/ca\/creacio-dempreses-i-estructuracio-de-grups\/\">crear una filial andorrana<\/a> per a un projecte concret. El finan\u00e7ament pot adoptar la forma d\u2019una aportaci\u00f3 de capital, un compte corrent de soci o una combinaci\u00f3 documentada, segons l\u2019inter\u00e8s de cada societat i les normes aplicables.<\/p>\n<p>Quan el cas ho requereix, treballem amb l\u2019expert comptable, l\u2019auditor i els equips de consolidaci\u00f3. La consolidaci\u00f3 comptable, per si sola, no constitueix una integraci\u00f3 fiscal francesa i la filial andorrana mant\u00e9 les seves obligacions pr\u00f2pies.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_10 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Evitar crear estructures per in\u00e8rcia<\/h3><div class=\"et_pb_blurb_description\"><p>Podem recomanar mantenir l\u2019estructura actual, simplificar-la o crear una sola entitat. Una societat holding addicional nom\u00e9s t\u00e9 sentit si se n\u2019ent\u00e9n la funci\u00f3 abans de constituir-la i es pot continuar justificant despr\u00e9s.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"difl_advancedbutton_1 difl_advancedbutton et_pb_module\" data-subject=\"Structure patrimoniale\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Estudiar la meva estructura patrimonial<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\" id=\"investissements\">\r\n\r\n<div class=\"et_pb_row_11 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_17 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Tipus d\u2019inversi\u00f3<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Banca privada, immobles i empreses <br \/>Cada actiu s\u2019ha d\u2019analitzar de manera diferent.<\/h2>\n<\/div>\r\n\r\n<div class=\"et_pb_text_19 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Comparem el paper de les inversions en el vostre patrimoni, els contractes, la liquiditat, la governan\u00e7a i la feina que requeriran despr\u00e9s de la signatura, sense partir d\u2019una classificaci\u00f3 abstracta.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_12 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_18 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_11 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Banca privada: organitzar la liquiditat i la relaci\u00f3 d\u2019inversi\u00f3<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_12 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Una entitat banc\u00e0ria pot custodiar actius, oferir serveis de gesti\u00f3, finan\u00e7ar un projecte o estructurar una garantia. Abans de triar, cal entendre el mandat, els instruments, les comissions, el nivell de risc, les divises, les condicions de sortida i les possibles pignoracions.<\/p>\n<p>Preparem l\u2019expedient patrimonial i jur\u00eddic, contrastem les propostes amb els objectius i fem intervenir els professionals autoritzats per a l\u2019assessorament o la gesti\u00f3 financera. Obrir un compte no implica cap validaci\u00f3 fiscal ni garanteix el rendiment.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_text_20 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/ca\/serveis-bancaris-a-andorra\/\">els serveis bancaris a Andorra<span aria-hidden=\"true\">\u2197<\/span><\/a><\/p>\n<\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_19 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_13 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Immobles: decidir l\u2019\u00fas abans de triar l\u2019estructura<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_14 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Viure-hi, llogar, construir, reformar, revendre o participar en una promoci\u00f3 comporten contractes i riscos diferents. Examinem l\u2019autoritzaci\u00f3 d\u2019inversi\u00f3 estrangera si escau, la fiscalitat, el finan\u00e7ament, les garanties, els terminis urban\u00edstics, la comercialitzaci\u00f3 i la sortida.<\/p>\n<p>L\u2019\u00fas i l\u2019horitz\u00f3 temporal orienten la tria entre la titularitat personal, una societat espec\u00edfica o la participaci\u00f3 en una operaci\u00f3. La plusv\u00e0lua esperada no substitueix l\u2019an\u00e0lisi del preu, els costos, els terminis i la liquiditat.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_text_21 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/ca\/inversio-en-bens-immobles\/\">invertir en immobles a Andorra<span aria-hidden=\"true\">\u2197<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_13 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_20 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_15 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Capital privat i participacions directes: invertir amb drets<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_16 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Entrar al capital d\u2019una empresa implica m\u00e9s que aportar diners. Examinem els drets d\u2019informaci\u00f3, les decisions reservades, la diluci\u00f3, les necessitats futures de finan\u00e7ament, els conflictes d\u2019inter\u00e8s, la governan\u00e7a i les condicions de sortida.<\/p>\n<p>En un fons, cal entendre el vehicle, les aportacions de capital requerides, la durada, les comissions, la valoraci\u00f3 i les opcions de venda. L\u2019etiqueta \u00abcapital privat\u00bb per si sola no indica qu\u00e8 posseeix l\u2019inversor ni quan podr\u00e0 recuperar la liquiditat.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_21 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_17 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Projectes locals i operacions a mida<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_18 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>La nostra pres\u00e8ncia a Andorra ens permet con\u00e8ixer els actors locals, reunir les parts pertinents i estudiar projectes que van m\u00e9s enll\u00e0 d\u2019un producte est\u00e0ndard. La disponibilitat de les operacions no est\u00e0 garantida.<\/p>\n<p>Examinem qui impulsa el projecte, la necessitat econ\u00f2mica, les autoritzacions, els contractes, el finan\u00e7ament, les garanties, els drets de l\u2019inversor i la sortida prevista. Si l\u2019expedient deixa aquestes q\u00fcestions obertes, pot ser m\u00e9s prudent no invertir.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_14 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_22 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_22 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><p>Una oportunitat nom\u00e9s \u00e9s interessant quan queden clars els drets, <br \/>els riscos i el calendari.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_15 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_23 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"difl_advancedbutton_2 difl_advancedbutton et_pb_module\" data-subject=\"Relecture d\u2019un projet\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Demanar una revisi\u00f3 del projecte d\u2019inversi\u00f3<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"comparaison\">\r\n\r\n<div class=\"et_pb_row_16 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_24 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_23 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Comparar les estructures<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_24 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Dues estructures poden servir un objectiu similar <br \/>i conferir drets diferents.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_17 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_25 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_25 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Tant una societat patrimonial com un contracte d\u2019asseguran\u00e7a de vida luxemburgu\u00e8s es poden considerar per diversificar o transmetre el patrimoni. Tenen funcions diferents i no es poden intercanviar.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_18 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_26 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_2 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600;700&display=swap\");\n\n.sf-comparison-wrap {\n  width: 100%;\n  max-width: 100%;\n  min-width: 0;\n  container-type: inline-size;\n\n  \/* Pr\u00e9sentation ordinateur *\/\n  --sf-table-display: table;\n  --sf-head-display: table-header-group;\n  --sf-body-display: table-row-group;\n  --sf-row-display: table-row;\n  --sf-cell-display: table-cell;\n  --sf-label-display: none;\n\n  --sf-question-width: 24%;\n  --sf-question-color: #2a2927;\n  --sf-question-size: 25px;\n  --sf-row-gap: 0;\n  --sf-row-border: 0;\n  --sf-cell-border: 1px solid rgba(178, 152, 109, .36);\n  --sf-cell-padding: 26px 28px;\n}\n\n.sf-comparison-wrap,\n.sf-comparison-wrap *,\n.sf-comparison-wrap *::before,\n.sf-comparison-wrap *::after {\n  box-sizing: border-box;\n}\n\n.sf-comparison-wrap table.sf-comparison {\n  display: var(--sf-table-display) !important;\n  width: 100% !important;\n  max-width: 100% !important;\n  min-width: 0 !important;\n  margin: 0 !important;\n  padding: 0 !important;\n  border: 0 !important;\n  border-collapse: collapse !important;\n  border-spacing: 0 !important;\n  table-layout: fixed;\n  background: transparent !important;\n  color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  line-height: 1.75;\n}\n\n.sf-comparison-wrap .sf-comparison thead {\n  display: var(--sf-head-display) !important;\n}\n\n.sf-comparison-wrap .sf-comparison thead th {\n  padding: 24px 28px !important;\n  border: 1px solid #514e49 !important;\n  background: #2a2927 !important;\n  color: #fcfbf9 !important;\n  -webkit-text-fill-color: #fcfbf9 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 13px;\n  font-weight: 600;\n  line-height: 1.6;\n  letter-spacing: .02em;\n  text-align: left;\n  white-space: normal !important;\n  overflow-wrap: anywhere;\n}\n\n.sf-comparison-wrap .sf-comparison thead th:first-child {\n  width: 24%;\n}\n\n.sf-comparison-wrap .sf-comparison tbody {\n  display: var(--sf-body-display) !important;\n  width: 100% !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr {\n  --sf-cell-background: #fcfbf9;\n\n  display: var(--sf-row-display) !important;\n  width: 100% !important;\n  margin: 0 0 var(--sf-row-gap) !important;\n  padding: 0 !important;\n  border: var(--sf-row-border) !important;\n  background: var(--sf-cell-background) !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr:nth-child(even) {\n  --sf-cell-background: #f6f2ec;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr:last-child {\n  margin-bottom: 0 !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td,\n.sf-comparison-wrap .sf-comparison tbody th {\n  display: var(--sf-cell-display) !important;\n  min-width: 0 !important;\n  max-width: 100% !important;\n  height: auto !important;\n  padding: var(--sf-cell-padding) !important;\n  border: var(--sf-cell-border) !important;\n  vertical-align: top;\n  text-align: left;\n  white-space: normal !important;\n  word-break: normal !important;\n  overflow-wrap: anywhere;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td {\n  width: var(--sf-data-width, auto) !important;\n  background: var(--sf-cell-background) !important;\n  color: #2a2927 !important;\n  -webkit-text-fill-color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  font-weight: 400;\n  line-height: 1.75;\n}\n\n.sf-comparison-wrap .sf-comparison tbody th {\n  width: var(--sf-question-width) !important;\n  background: var(--sf-question-background, var(--sf-cell-background)) !important;\n  color: var(--sf-question-color) !important;\n  -webkit-text-fill-color: var(--sf-question-color) !important;\n  font-family: Freight, Georgia, serif;\n  font-size: var(--sf-question-size);\n  font-weight: 400;\n  line-height: 1.25;\n}\n\n\/* Libell\u00e9s visibles seulement dans les cartes *\/\n.sf-comparison-wrap .sf-comparison tbody td::before {\n  content: attr(data-label);\n  display: var(--sf-label-display) !important;\n  margin: 0 0 10px;\n  padding: 0;\n  color: #80633a !important;\n  -webkit-text-fill-color: #80633a !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 12px;\n  font-weight: 700;\n  line-height: 1.6;\n  letter-spacing: .06em;\n  text-transform: uppercase;\n  white-space: normal;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td + td {\n  border-top: 1px solid rgba(178, 152, 109, .36) !important;\n}\n\n\/* Petit \u00e9cran : passage en cartes *\/\n@media (max-width: 980px) {\n  .sf-comparison-wrap {\n    --sf-table-display: block;\n    --sf-head-display: none;\n    --sf-body-display: block;\n    --sf-row-display: block;\n    --sf-cell-display: block;\n    --sf-label-display: block;\n\n    --sf-question-width: 100%;\n    --sf-data-width: 100%;\n    --sf-question-background: #2a2927;\n    --sf-question-color: #fcfbf9;\n    --sf-question-size: 26px;\n    --sf-row-gap: 22px;\n    --sf-row-border: 1px solid rgba(178, 152, 109, .36);\n    --sf-cell-border: 0;\n    --sf-cell-padding: 22px;\n  }\n}\n\n\/* M\u00eame adaptation dans une colonne Divi \u00e9troite *\/\n@container (max-width: 900px) {\n  .sf-comparison-wrap table.sf-comparison {\n    --sf-table-display: block;\n    --sf-head-display: none;\n    --sf-body-display: block;\n    --sf-row-display: block;\n    --sf-cell-display: block;\n    --sf-label-display: block;\n\n    --sf-question-width: 100%;\n    --sf-data-width: 100%;\n    --sf-question-background: #2a2927;\n    --sf-question-color: #fcfbf9;\n    --sf-question-size: 26px;\n    --sf-row-gap: 22px;\n    --sf-row-border: 1px solid rgba(178, 152, 109, .36);\n    --sf-cell-border: 0;\n    --sf-cell-padding: 22px;\n  }\n}\n\n@media (max-width: 480px) {\n  .sf-comparison-wrap {\n    --sf-cell-padding: 20px 18px;\n    --sf-question-size: 24px;\n    --sf-row-gap: 18px;\n  }\n\n  .sf-comparison-wrap .sf-comparison tbody td {\n    font-size: 16px;\n    line-height: 1.7;\n  }\n}\n<\/style>\n\n<div class=\"sf-comparison-wrap\">\n  <table class=\"sf-comparison\" role=\"table\" aria-label=\"Comparaci\u00f3 entre la societat patrimonial i l\u2019asseguran\u00e7a de vida luxemburguesa\">\n\n    <thead role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"col\" role=\"columnheader\">Pregunta<\/th>\n        <th scope=\"col\" role=\"columnheader\">Societat patrimonial<\/th>\n        <th scope=\"col\" role=\"columnheader\">Asseguran\u00e7a de vida luxemburguesa<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Qui \u00e9s titular dels actius?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          La societat \u00e9s titular dels actius del seu patrimoni. El soci t\u00e9 participacions en la societat.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          L\u2019asseguradora assumeix les obligacions del contracte i els actius que les cobreixen es regeixen per la normativa d\u2019assegurances.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Qui pren les decisions?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          Els \u00f2rgans socials decideixen d\u2019acord amb els estatuts, les seves facultats i l\u2019inter\u00e8s de la societat.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          Les decisions depenen del contracte, la modalitat de gesti\u00f3, l\u2019asseguradora, el dipositari i les normes aplicables als instruments d\u2019inversi\u00f3.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Quin seguiment requereix?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          Comptabilitat, acords socials, contractes, declaracions i governan\u00e7a propis.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          Seguiment contractual i regulador del producte, comissions i informes previstos pel contracte.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Quina protecci\u00f3 ofereix?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          El dret de societats, els contractes, les garanties i la separaci\u00f3 jur\u00eddica dels patrimonis segons l\u2019estructura triada.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          El dret luxemburgu\u00e8s preveu, entre altres mecanismes, el dip\u00f2sit dels actius de cobertura i un patrimoni separat afectat amb car\u00e0cter preferent als cr\u00e8dits d\u2019asseguran\u00e7a. Aquesta protecci\u00f3 no garanteix el valor dels instruments d\u2019inversi\u00f3.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Com es transmet?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          La transmissi\u00f3 recau sobre les participacions o els actius i es prepara d\u2019acord amb les normes civils i fiscals aplicables.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          Cal estudiar la cl\u00e0usula de beneficiaris i el r\u00e8gim del contracte tenint en compte la resid\u00e8ncia del prenedor i dels beneficiaris. Aquests elements no neutralitzen autom\u00e0ticament la tributaci\u00f3 estrangera.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Quin \u00fas se\u2019n pot fer?<\/th>\n\n        <td role=\"cell\" data-label=\"Societat patrimonial\">\n          Adquisici\u00f3 directa d\u2019actius, governan\u00e7a empresarial, immobles, participacions o inversions decidides per la societat dins del seu objecte social.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Asseguran\u00e7a de vida luxemburguesa\">\n          Inversi\u00f3 dins de l\u2019univers contractual adm\u00e8s per l\u2019asseguradora i d\u2019acord amb les normes del producte.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n\n  <\/table>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_19 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_27 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_26 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Comparem aquestes estructures segons la vostra resid\u00e8ncia, l\u2019origen del capital, el tipus d\u2019actius, la governan\u00e7a desitjada, els costos, la liquiditat i la transmissi\u00f3. L\u2019asseguradora, el banc dipositari i els professionals autoritzats intervenen en el contracte i els instruments d\u2019inversi\u00f3. El despatx coordina amb ells l\u2019an\u00e0lisi jur\u00eddica, fiscal i patrimonial.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_20 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_28 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_27 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Els mecanismes luxemburguesos de protecci\u00f3 dels cr\u00e8dits d\u2019asseguran\u00e7a no garanteixen el rendiment ni la recuperaci\u00f3 \u00edntegra del capital. Encara cal examinar el contracte, els instruments d\u2019inversi\u00f3 i el risc de mercat.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\" id=\"analyse-risques\">\r\n\r\n<div class=\"et_pb_row_21 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_29 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_28 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Finan\u00e7ament i liquiditat<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_29 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><h2>El finan\u00e7ament pot accelerar un projecte. <br \/>Tamb\u00e9 pot reduir el vostre marge de maniobra.<\/h2>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_code_3 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-finance-diagram {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n\n  width: 100%;\n  margin: 0;\n  padding: 35px 28px;\n  border: 1px solid rgba(178, 152, 109, .33);\n  background: transparent;\n  color: var(--sf-paper);\n  font-family: \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-finance-diagram,\n.sf-finance-diagram * {\n  box-sizing: border-box;\n}\n\n.sf-finance-diagram__row {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) 150px minmax(0, 1fr);\n  gap: 40px;\n  align-items: center;\n}\n\n.sf-finance-diagram__side {\n  min-width: 0;\n}\n\n.sf-finance-diagram__side--possibilities {\n  text-align: right;\n}\n\n.sf-finance-diagram__label {\n  margin: 0 0 15px;\n  padding: 0;\n  color: #d3b78b;\n  font-size: 12px;\n  font-weight: 400;\n  line-height: 1.6;\n  letter-spacing: .06em;\n  text-transform: uppercase;\n}\n\n.sf-finance-diagram ul {\n  margin: 0;\n  padding: 0;\n  list-style: none;\n}\n\n.sf-finance-diagram li {\n  margin: 0;\n  padding: 8px 0;\n  border: 0;\n  color: var(--sf-paper);\n  font-size: 16px;\n  line-height: 1.45;\n  overflow-wrap: break-word;\n}\n\n.sf-finance-diagram li::marker {\n  content: \"\";\n}\n\n\/* Cercle central *\/\n.sf-finance-diagram__center {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n\n  width: 150px;\n  height: 150px;\n  margin: 10px auto;\n  padding: 18px;\n  border-radius: 50%;\n  background: var(--sf-paper);\n  color: var(--sf-ink);\n  text-align: center;\n}\n\n.sf-finance-diagram__title {\n  font-family: Freight, Georgia, serif;\n  font-size: 28px;\n  font-weight: 400;\n  line-height: 1.15;\n}\n\n.sf-finance-diagram__subtitle {\n  margin-top: 12px;\n  color: #80633a;\n  font-size: 10px;\n  line-height: 1.5;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n}\n\n\/* Anneau anim\u00e9, sans traits de liaison *\/\n.sf-finance-diagram__center::before {\n  content: \"\";\n  position: absolute;\n  inset: -10px;\n  border: 1px solid rgba(178, 152, 109, .27);\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  border-radius: 50%;\n  pointer-events: none;\n  animation: sfFinanceRing 35s linear infinite;\n}\n\n.sf-finance-diagram__caption {\n  margin: 30px 0 0;\n  padding: 25px 0 0;\n  border-top: 1px solid rgba(178, 152, 109, .25);\n  color: #eadac1;\n  font-family: Freight, Georgia, serif;\n  font-size: 27px;\n  font-weight: 400;\n  line-height: 1.25;\n  text-align: center;\n}\n\n@keyframes sfFinanceRing {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n\/* Adaptation \u00e0 la largeur du module Divi *\/\n.sf-finance-container {\n  width: 100%;\n  min-width: 0;\n  container-type: inline-size;\n}\n\n@container (max-width: 850px) {\n  .sf-finance-diagram__row {\n    grid-template-columns: minmax(0, 1fr) 130px minmax(0, 1fr);\n    gap: 25px;\n  }\n\n  .sf-finance-diagram__center {\n    width: 130px;\n    height: 130px;\n  }\n\n  .sf-finance-diagram__title {\n    font-size: 25px;\n  }\n}\n\n@container (max-width: 620px) {\n  .sf-finance-diagram {\n    padding: 30px 24px;\n  }\n\n  .sf-finance-diagram__row {\n    grid-template-columns: 1fr;\n    gap: 28px;\n  }\n\n  .sf-finance-diagram__center {\n    grid-row: 1;\n    width: 145px;\n    height: 145px;\n    margin: 10px auto 15px;\n  }\n\n  .sf-finance-diagram__side--possibilities {\n    text-align: left;\n  }\n\n  .sf-finance-diagram__caption {\n    font-size: 25px;\n  }\n}\n\n\/* Responsive mobile \u00e9galement bas\u00e9 sur l\u2019\u00e9cran *\/\n@media (max-width: 700px) {\n  .sf-finance-diagram {\n    padding: 30px 24px;\n  }\n\n  .sf-finance-diagram__row {\n    grid-template-columns: 1fr;\n    gap: 28px;\n  }\n\n  .sf-finance-diagram__center {\n    grid-row: 1;\n    width: 145px;\n    height: 145px;\n    margin: 10px auto 15px;\n  }\n\n  .sf-finance-diagram__side--possibilities {\n    text-align: left;\n  }\n\n  .sf-finance-diagram__title {\n    font-size: 25px;\n  }\n\n  .sf-finance-diagram__caption {\n    font-size: 25px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-finance-diagram__center::before {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-finance-container\">\n  <figure class=\"sf-finance-diagram\">\n    <div class=\"sf-finance-diagram__row\">\n\n      <div class=\"sf-finance-diagram__side sf-finance-diagram__side--possibilities\">\n        <p class=\"sf-finance-diagram__label\">\n          Qu\u00e8 permet el finan\u00e7ament\n        <\/p>\n\n        <ul>\n          <li>Adquirir<\/li>\n          <li>Desenvolupar<\/li>\n          <li>Conservar liquiditat<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__center\">\n        <span class=\"sf-finance-diagram__title\">\n          El vostre projecte\n        <\/span>\n        <span class=\"sf-finance-diagram__subtitle\">\n          El finan\u00e7ament\n        <\/span>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__side\">\n        <p class=\"sf-finance-diagram__label\">\n          Qu\u00e8 comporta\n        <\/p>\n\n        <ul>\n          <li>Retornar els diners<\/li>\n          <li>Oferir garanties<\/li>\n          <li>Complir els venciments<\/li>\n        <\/ul>\n      <\/div>\n\n    <\/div>\n\n    <figcaption class=\"sf-finance-diagram__caption\">\n      Quin marge de maniobra queda despr\u00e9s del finan\u00e7ament?\n    <\/figcaption>\n  <\/figure>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_22 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_30 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_19 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Un pr\u00e9stec immobiliari, una bestreta en compte corrent de soci, un finan\u00e7ament bancari o un pr\u00e9stec garantit per una cartera modifiquen els fluxos d\u2019ingressos i els riscos del patrimoni.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_31 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_20 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Entendre qu\u00e8 garanteix el deute<\/h3><div class=\"et_pb_blurb_description\"><p>Identifiquem el prestatari, el garant, els actius pignorats, les r\u00e0tios exigides, els sup\u00f2sits de devoluci\u00f3 anticipada i els drets del banc. Un finan\u00e7ament contractat per una societat pot comprometre els seus actius. Una garantia personal torna a canviar l\u2019equilibri.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_21 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Posar a prova un escenari menys favorable<\/h3><div class=\"et_pb_blurb_description\"><p>Caiguda del valor, requeriment de marge, retard de l\u2019obra, distribuci\u00f3 ajornada o nova aportaci\u00f3 de capital. El pla ha de continuar sent clar quan les coses no van com s\u2019havia previst.<\/p>\n<p>Comparem aquests escenaris amb la tresoreria disponible i els altres projectes. El finan\u00e7ament triat ha de ser compatible amb la vostra capacitat d\u2019esperar, refinan\u00e7ar o sortir de l\u2019operaci\u00f3.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_22 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Mantenir els fluxos entenedors<\/h3><div class=\"et_pb_blurb_description\"><p>El capital, el compte corrent de soci, els interessos, els dividends, les devolucions i les despeses privades compleixen funcions diferents. Les decisions, els contractes i els assentaments han de reflectir la mateixa operaci\u00f3.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"methode\">\r\n\r\n<div class=\"et_pb_row_23 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_32 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_30 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Com prenem les decisions<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_31 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Per decidir, necessiteu un mapa clar <br \/>i no pas una pila de fullets.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_24 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_33 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_4 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-method {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-soft: #f2eee7;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 1100px;\n  margin: 0 auto;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  container-type: inline-size;\n}\n\n.sf-method,\n.sf-method * {\n  box-sizing: border-box;\n}\n\n.sf-method__steps {\n  position: relative;\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n  column-gap: 95px;\n  row-gap: 30px;\n  margin: 0 !important;\n  padding: 0 !important;\n  list-style: none !important;\n}\n\n.sf-method__steps::before {\n  content: \"\";\n  position: absolute;\n  top: 35px;\n  bottom: 35px;\n  left: 50%;\n  width: 1px;\n  background: var(--sf-gold);\n}\n\n.sf-method__step {\n  position: relative;\n  min-width: 0;\n  margin: 0 !important;\n  padding: 30px !important;\n  border: 1px solid var(--sf-line);\n  background: var(--sf-soft);\n  list-style: none !important;\n}\n\n.sf-method__step::marker {\n  content: \"\";\n}\n\n.sf-method__step:nth-child(1) {\n  grid-column: 1;\n  grid-row: 1;\n}\n\n.sf-method__step:nth-child(2) {\n  grid-column: 2;\n  grid-row: 2;\n}\n\n.sf-method__step:nth-child(3) {\n  grid-column: 1;\n  grid-row: 3;\n}\n\n.sf-method__step:nth-child(4) {\n  grid-column: 2;\n  grid-row: 4;\n}\n\n.sf-method__step:nth-child(5) {\n  grid-column: 1;\n  grid-row: 5;\n}\n\n\/* Liaison entre le bloc et la ligne centrale *\/\n.sf-method__step::after {\n  content: \"\";\n  position: absolute;\n  top: 34px;\n  left: 100%;\n  width: 48px;\n  height: 1px;\n  background: var(--sf-gold);\n}\n\n.sf-method__step:nth-child(even)::after {\n  right: 100%;\n  left: auto;\n}\n\n\/* Point sur la frise *\/\n.sf-method__dot {\n  position: absolute;\n  top: 28px;\n  left: calc(100% + 41px);\n  width: 13px;\n  height: 13px;\n  border: 3px solid var(--sf-paper);\n  border-radius: 50%;\n  background: var(--sf-gold);\n  box-shadow: 0 0 0 1px var(--sf-gold);\n}\n\n.sf-method__step:nth-child(even) .sf-method__dot {\n  right: calc(100% + 41px);\n  left: auto;\n}\n\n.sf-method .sf-method__title {\n  margin: 0 0 22px;\n  padding: 0;\n  color: var(--sf-ink);\n  font-family: Freight, Georgia, serif;\n  font-size: 29px;\n  font-weight: 400;\n  line-height: 1.2;\n}\n\n.sf-method .sf-method__description,\n.sf-method .sf-method__deliverable p {\n  margin: 0;\n  padding: 0;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  line-height: 1.8;\n  overflow-wrap: break-word;\n}\n\n.sf-method__deliverable {\n  margin-top: 22px;\n  padding: 22px 25px;\n  background: var(--sf-paper);\n}\n\n.sf-method__deliverable-label {\n  display: block;\n  margin-bottom: 10px;\n  color: #80633a;\n  font-size: 10px;\n  font-weight: 500;\n  line-height: 1.5;\n  letter-spacing: .08em;\n  text-transform: uppercase;\n}\n\n\/* Animation : le contenu reste visible sans JavaScript *\/\n.sf-method__step.sf-method__step--entering {\n  animation: sfMethodReveal .65s cubic-bezier(.22, 1, .36, 1) both;\n}\n\n@keyframes sfMethodReveal {\n  from {\n    opacity: .25;\n    transform: translateY(18px);\n  }\n\n  to {\n    opacity: 1;\n    transform: translateY(0);\n  }\n}\n\n\/* Adaptation \u00e0 une colonne Divi \u00e9troite *\/\n@container (max-width: 700px) {\n  .sf-method__steps {\n    display: block;\n    padding-left: 25px !important;\n  }\n\n  .sf-method__steps::before {\n    left: 0;\n    top: 35px;\n    bottom: 35px;\n  }\n\n  .sf-method__step {\n    margin-bottom: 25px !important;\n    padding: 25px !important;\n  }\n\n  .sf-method__step:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .sf-method__step::after,\n  .sf-method__step:nth-child(even)::after {\n    right: 100%;\n    left: auto;\n    width: 25px;\n  }\n\n  .sf-method__dot,\n  .sf-method__step:nth-child(even) .sf-method__dot {\n    right: calc(100% + 19px);\n    left: auto;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 26px;\n  }\n\n  .sf-method__deliverable {\n    padding: 20px;\n  }\n}\n\n\/* Mobile *\/\n@media (max-width: 700px) {\n  .sf-method__steps {\n    display: block;\n    padding-left: 25px !important;\n  }\n\n  .sf-method__steps::before {\n    left: 0;\n  }\n\n  .sf-method__step {\n    margin-bottom: 25px !important;\n    padding: 25px !important;\n  }\n\n  .sf-method__step:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .sf-method__step::after,\n  .sf-method__step:nth-child(even)::after {\n    right: 100%;\n    left: auto;\n    width: 25px;\n  }\n\n  .sf-method__dot,\n  .sf-method__step:nth-child(even) .sf-method__dot {\n    right: calc(100% + 19px);\n    left: auto;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 26px;\n  }\n\n  .sf-method__deliverable {\n    padding: 20px;\n  }\n}\n\n@media (max-width: 400px) {\n  .sf-method__step {\n    padding: 22px 18px !important;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 24px;\n  }\n\n  .sf-method__deliverable {\n    padding: 18px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-method__step.sf-method__step--entering {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-method\">\n  <ol class=\"sf-method__steps\" aria-label=\"Les cinc etapes de la decisi\u00f3\">\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">1. Situar el capital<\/h3>\n\n      <p class=\"sf-method__description\">\n        Titular, origen, disponibilitat, compromisos, deutes i venciments.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e8 rebeu\n        <\/span>\n        <p>Mapa patrimonial i llista de documents \u00fatils.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">2. Definir els objectius<\/h3>\n\n      <p class=\"sf-method__description\">\n        Liquiditat, ingressos, projectes, governan\u00e7a familiar, horitz\u00f3 i transmissi\u00f3.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e8 rebeu\n        <\/span>\n        <p>Ordre de prioritats i criteris de decisi\u00f3.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">3. Comparar les estructures<\/h3>\n\n      <p class=\"sf-method__description\">\n        Titularitat personal, societat, banca privada, asseguran\u00e7a, immobles, fons o participaci\u00f3 directa.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e8 rebeu\n        <\/span>\n        <p>\n          Informe d\u2019opcions amb els drets, costos, limitacions, fiscalitat i q\u00fcestions pendents de validar.\n        <\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">4. Verificar el projecte<\/h3>\n\n      <p class=\"sf-method__description\">\n        Parts implicades, autoritzacions, contractes, finan\u00e7ament, garanties, conflictes i sortida.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e8 rebeu\n        <\/span>\n        <p>\n          Llista de comprovacions, responsabilitats i versions dels documents revisats.\n        <\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">5. Executar i fer el seguiment<\/h3>\n\n      <p class=\"sf-method__description\">\n        Decisions, moviments de fons, comptabilitat, declaracions i fets futurs.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e8 rebeu\n        <\/span>\n        <p>\n          Calendari a partir de la data prevista, expedient final i calendari de seguiment de l\u2019enc\u00e0rrec.\n        <\/p>\n      <\/div>\n    <\/li>\n\n  <\/ol>\n<\/div>\n\n<script>\n(() => {\n  function initSfMethod() {\n    if (\n      !(\"IntersectionObserver\" in window) ||\n      window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches\n    ) {\n      return;\n    }\n\n    document.querySelectorAll(\".sf-method\").forEach(root => {\n      if (root.dataset.sfMethodReady === \"true\") return;\n      root.dataset.sfMethodReady = \"true\";\n\n      const observer = new IntersectionObserver(entries => {\n        entries.forEach(entry => {\n          if (!entry.isIntersecting) return;\n\n          entry.target.classList.add(\"sf-method__step--entering\");\n          observer.unobserve(entry.target);\n        });\n      }, {\n        threshold: 0.1\n      });\n\n      root.querySelectorAll(\".sf-method__step\").forEach(step => {\n        observer.observe(step);\n      });\n    });\n  }\n\n  if (document.readyState === \"loading\") {\n    document.addEventListener(\"DOMContentLoaded\", initSfMethod, { once: true });\n  } else {\n    initSfMethod();\n  }\n})();\n<\/script><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_25 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_34 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_32 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Els honoraris es fixen segons la feina realment necess\u00e0ria: definici\u00f3 de l\u2019abast, an\u00e0lisi, coordinaci\u00f3, actes jur\u00eddics i seguiment. Si n\u2019hi ha prou amb una reuni\u00f3 i un informe, l\u2019enc\u00e0rrec s\u2019ha de limitar a aix\u00f2. Si cal coordinar diversos pa\u00efsos, assessors, bancs o inversions, s\u2019acorden l\u2019abast i el pressupost abans de continuar.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_26 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_35 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_33 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Els nostres honoraris s\u2019han de traduir en decisions <br \/>m\u00e9s clares, documents \u00fatils i m\u00e9s temps per als vostres projectes.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section\" id=\"vos-conseils\">\r\n\r\n<div class=\"et_pb_row_27 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_36 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_34 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Col\u00b7laboraci\u00f3 amb els vostres assessors<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_35 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><h2>El vostre advocat, el vostre expert comptable, el vostre notari <br \/>i el vostre banc poden continuar participant en el projecte.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_28 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_37 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_36 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Coneixen la hist\u00f2ria del patrimoni, les operacions anteriors i els compromisos vigents. Podem estudiar el projecte amb ells i despr\u00e9s executar a Andorra els treballs que ens encomaneu.<\/p>\n<\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_38 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_5 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-advisers {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 620px;\n  margin: 0 auto;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  color: var(--sf-ink);\n  container-type: inline-size;\n}\n\n.sf-advisers,\n.sf-advisers * {\n  box-sizing: border-box;\n}\n\n.sf-advisers__map {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) 150px minmax(0, 1fr);\n  gap: 20px;\n  align-items: center;\n}\n\n.sf-advisers__group {\n  display: grid;\n  gap: 18px;\n  min-width: 0;\n}\n\n.sf-advisers__node {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 76px;\n  padding: 18px 12px;\n  border: 1px solid var(--sf-line);\n  background: var(--sf-paper);\n\n  font-size: 14px;\n  font-weight: 400;\n  line-height: 1.4;\n  text-align: center;\n  overflow-wrap: break-word;\n}\n\n\/* Espace r\u00e9serv\u00e9 au cercle et \u00e0 son anneau *\/\n.sf-advisers__center-space {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 150px;\n  min-height: 160px;\n}\n\n.sf-advisers__center {\n  position: relative;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 125px;\n  height: 125px;\n  flex: 0 0 125px;\n  padding: 15px;\n  border-radius: 50%;\n  background: var(--sf-ink);\n  color: #fff;\n\n  font-family: Freight, Georgia, serif;\n  font-size: 23px;\n  font-weight: 400;\n  line-height: 1.15;\n  text-align: center;\n}\n\n.sf-advisers__center::before,\n.sf-advisers__center::after {\n  content: \"\";\n  position: absolute;\n  inset: -9px;\n  border-radius: 50%;\n  pointer-events: none;\n}\n\n.sf-advisers__center::before {\n  border: 1px solid var(--sf-line);\n}\n\n.sf-advisers__center::after {\n  border: 1px solid transparent;\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  animation: sfAdvisersOrbit 35s linear infinite;\n}\n\n.sf-advisers__caption {\n  margin: 24px 0 0;\n  padding: 0;\n  color: #80633a;\n  font-size: 11px;\n  line-height: 1.6;\n  letter-spacing: .05em;\n  text-align: center;\n}\n\n@keyframes sfAdvisersOrbit {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n\/* Colonne Divi \u00e9troite *\/\n@container (max-width: 480px) {\n  .sf-advisers__map {\n    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n    gap: 22px 16px;\n  }\n\n  .sf-advisers__center-space {\n    grid-column: 1 \/ -1;\n    grid-row: 1;\n    width: 100%;\n    min-height: 155px;\n  }\n\n  .sf-advisers__group {\n    gap: 16px;\n  }\n\n  .sf-advisers__node {\n    min-height: 72px;\n    font-size: 13px;\n  }\n}\n\n\/* T\u00e9l\u00e9phone *\/\n@media (max-width: 500px) {\n  .sf-advisers__map {\n    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n    gap: 22px 16px;\n  }\n\n  .sf-advisers__center-space {\n    grid-column: 1 \/ -1;\n    grid-row: 1;\n    width: 100%;\n    min-height: 155px;\n  }\n\n  .sf-advisers__group {\n    gap: 16px;\n  }\n\n  .sf-advisers__node {\n    min-height: 72px;\n    font-size: 13px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-advisers__center::after {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-advisers\">\n  <div class=\"sf-advisers__map\">\n\n    <div class=\"sf-advisers__group\">\n      <div class=\"sf-advisers__node\">El vostre advocat<\/div>\n      <div class=\"sf-advisers__node\">El vostre notari<\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__center-space\">\n      <div class=\"sf-advisers__center\">\n        Vosaltres i el vostre projecte\n      <\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__group\">\n      <div class=\"sf-advisers__node\">El vostre expert comptable<\/div>\n      <div class=\"sf-advisers__node\">El vostre banc<\/div>\n    <\/div>\n\n  <\/div>\n\n  <p class=\"sf-advisers__caption\">\n    SOL Fiscal \u00b7 Coordinaci\u00f3\n  <\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_29 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_39 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_23 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Compartir la informaci\u00f3 que necessita cada professional<\/h3><div class=\"et_pb_blurb_description\"><p>Amb el vostre acord, definim qu\u00e8 necessita cada professional. Continuen aplicant-se el secret professional, les normes de cada professi\u00f3 i l\u2019examen dels conflictes d\u2019inter\u00e8s.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_40 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_24 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Assignar cada validaci\u00f3<\/h3><div class=\"et_pb_blurb_description\"><p>El despatx pot coordinar el calendari i mobilitzar els seus socis a Fran\u00e7a. Els vostres assessors habituals poden intervenir en l\u2019informe franc\u00e8s, els actes jur\u00eddics, la comptabilitat, l\u2019auditoria, la gesti\u00f3 financera o la transmissi\u00f3. Sabreu qui prepara, qui verifica i qui decideix.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_41 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_25 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Compartir els m\u00e8todes de treball<\/h3><div class=\"et_pb_blurb_description\"><p>Compartim m\u00e8todes, dificultats i posicions p\u00fabliques pertinents. Les lli\u00e7ons d\u2019altres operacions s\u00f3n generals i no permeten identificar-ne les parts. Sempre tornem a examinar una soluci\u00f3 aplicada en un altre cas abans de proposar-la.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_30 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_42 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_group_1 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"difl_advancedbutton_3 difl_advancedbutton et_pb_module\" data-subject=\"Architecture avec mes conseils\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Organitzar una conversa amb els meus assessors<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div>\r\n\r\n<div class=\"et_pb_text_37 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/ca\/el-nostre-enfocament\/\">el nostre enfocament\u00a0<span aria-hidden=\"true\">\u2197\u00a0<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_9 et_pb_section et_section_regular et_block_section\" id=\"equipe\">\r\n\r\n<div class=\"et_pb_row_31 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_43 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_38 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Pres\u00e8ncia local i marc professional<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_39 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Un equip local que fa avan\u00e7ar el projecte <br \/>m\u00e9s enll\u00e0 de presentar formularis.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_32 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_44 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_image_2 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre.webp\" alt=\"SOL Fiscal \u00b7 Creaci\u00f3 de societats holding i estructuraci\u00f3 de grups\" width=\"1920\" height=\"1280\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre.webp 1920w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-300x200.webp 300w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-1024x683.webp 1024w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-768x512.webp 768w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-1536x1024.webp 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" class=\"wp-image-328746\" \/><\/span><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_45 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_40 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><div class=\"intro-copy reveal visible\">\n<p>El nostre equip treballa en franc\u00e8s i en catal\u00e0, coneix els tr\u00e0mits locals i reuneix els professionals que necessita el projecte. Aquesta proximitat ajuda a obtenir els documents adequats, plantejar les preguntes a temps i fer el seguiment de les decisions.<\/p>\n<p>Matthieu Bech, soci director, \u00e9s jurista especialitzat en dret fiscal franc\u00e8s i en procediments transfronterers. \u00c9s economista inscrit al Col\u00b7legi Oficial d\u2019Economistes d\u2019Andorra amb el n\u00fam. 297.<\/p>\n<\/div>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_41 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><div class=\"professional-intro\"><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/ca\/el-nostre-equip\/\">Con\u00e8ixer l\u2019equip <span aria-hidden=\"true\">\u2197\u00a0<\/span><\/a><\/div>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_33 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_46 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_26 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image et_animated\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=\" class=\"wp-image-324622 et_multi_view_hidden_image\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>A Andorra, el COEA organitza la professi\u00f3 d\u2019economista. El seu \u00e0mbit inclou q\u00fcestions empresarials, comptables, financeres i fiscals, dins dels l\u00edmits de les normes aplicables i de les compet\u00e8ncies reservades a altres professions. Quan l\u2019enc\u00e0rrec inclou assessorament o serveis regulats, especialment d\u2019inversi\u00f3 financera, el despatx fa intervenir els professionals autoritzats.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_34 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_47 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_42 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>La relaci\u00f3 continua despr\u00e9s del desemborsament dels fons. Segons l\u2019enc\u00e0rrec acordat, fem el seguiment de les obligacions, els acords socials, els venciments, els compromisos i els canvis que justifiquin una nova an\u00e0lisi.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_10 et_pb_section et_section_regular et_block_section\" id=\"questions\">\r\n\r\n<div class=\"et_pb_row_35 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_48 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_3 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png\" width=\"500\" height=\"83\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png 500w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821-480x83.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 500px, 100vw\" class=\"wp-image-328931\" alt=\"SOL Fiscal \u00b7 Element gr\u00e0fic de separaci\u00f3 entre seccions\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_blurb_27 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Q\u00fcestions que cal resoldre abans d\u2019invertir<\/h2><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_36 et_pb_row et_pb_equal_columns et_block_row\">\r\n\r\n<div class=\"et_pb_column_49 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_code_6 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600&display=swap\");\n\n@font-face {\n  font-family: \"SF Conseil FAQ\";\n  src: url(\"https:\/\/sol-fiscal.com\/wp-content\/themes\/Divi-child\/fonts\/FreightBigProBook-Regular.woff2\") format(\"woff2\");\n  font-weight: 400;\n  font-style: normal;\n  font-display: swap;\n}\n\n.sf-conseil-faq,\n.sf-conseil-faq *,\n.sf-conseil-faq *::before,\n.sf-conseil-faq *::after {\n  box-sizing: border-box;\n}\n\n.sf-conseil-faq {\n  width: 100%;\n  min-width: 0;\n  margin: 0;\n  padding: 0;\n  border-top: 1px solid rgba(178, 152, 109, .35);\n  background: transparent;\n  color: #2a2927;\n}\n\n.sf-conseil-faq details {\n  margin: 0 !important;\n  padding: 24px 0;\n  border: 0;\n  border-bottom: 1px solid rgba(178, 152, 109, .35);\n  background: transparent;\n}\n\n.sf-conseil-faq summary {\n  position: relative;\n  display: block;\n  width: 100%;\n  margin: 0;\n  padding: 0 48px 0 0;\n  color: #2a2927;\n  cursor: pointer;\n  list-style: none;\n}\n\n.sf-conseil-faq summary::-webkit-details-marker {\n  display: none;\n}\n\n.sf-conseil-faq summary::marker {\n  content: \"\";\n}\n\n.sf-conseil-faq summary::after {\n  content: \"+\";\n  position: absolute;\n  top: 50%;\n  right: 8px;\n  transform: translateY(-50%);\n  color: #80633a;\n  font: 500 34px\/1 \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-conseil-faq details[open] summary::after {\n  content: \"\u2212\";\n}\n\n.sf-conseil-faq summary h3 {\n  margin: 0 !important;\n  padding: 0 !important;\n  color: #2a2927 !important;\n  font-family: \"SF Conseil FAQ\", Georgia, serif;\n  font-size: 30px;\n  font-weight: 400;\n  line-height: 1.25;\n  letter-spacing: normal;\n  overflow-wrap: break-word;\n}\n\n.sf-conseil-faq summary:focus-visible {\n  outline: 2px solid #b2986d;\n  outline-offset: 6px;\n}\n\n.sf-conseil-faq__answer {\n  max-width: 850px;\n  margin-top: 20px;\n  padding: 0;\n}\n\n.sf-conseil-faq__answer p {\n  margin: 0 !important;\n  padding: 0 !important;\n  color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  font-weight: 400;\n  line-height: 1.75;\n  letter-spacing: normal;\n  overflow-wrap: break-word;\n}\n\n.sf-conseil-faq__answer p + p {\n  margin-top: 16px !important;\n}\n\n@media (max-width: 767px) {\n  .sf-conseil-faq details {\n    padding: 20px 0;\n  }\n\n  .sf-conseil-faq summary {\n    padding-right: 40px;\n  }\n\n  .sf-conseil-faq summary h3 {\n    font-size: 24px;\n    line-height: 1.3;\n  }\n\n  .sf-conseil-faq summary::after {\n    right: 4px;\n    font-size: 30px;\n  }\n\n  .sf-conseil-faq__answer p {\n    font-size: 15px;\n    line-height: 1.75;\n  }\n}\n<\/style>\n\n<div class=\"sf-conseil-faq\">\n\n  <details open>\n    <summary>\n      <h3>Quants diners cal conservar disponibles abans d\u2019invertir?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No hi ha un percentatge universal. Partim de les despeses, els impostos, els deutes, els projectes i els compromisos de pagament per definir diversos horitzons de liquiditat. El capital destinat a un projecte proper no s\u2019ha de tractar com diners que poden quedar immobilitzats durant anys.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Necessito una societat patrimonial a Andorra?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No necess\u00e0riament. La titularitat personal, la societat existent o una \u00fanica filial poden ser suficients. Abans de recomanar una estructura, comparem la governan\u00e7a, els costos, la fiscalitat, la comptabilitat, el finan\u00e7ament i la transmissi\u00f3.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Puc invertir a Andorra des de la meva societat holding francesa?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>S\u00ed. Una societat francesa pot finan\u00e7ar o tenir una filial andorrana si el projecte i les normes aplicables ho permeten. Cal examinar l\u2019inter\u00e8s de la societat, el finan\u00e7ament, les possibles autoritzacions, els acords, la direcci\u00f3 efectiva, la comptabilitat i les conseq\u00fc\u00e8ncies fiscals als dos pa\u00efsos. No \u00e9s imprescindible traslladar la matriu del grup.<\/p>\n      <p><a href=\"https:\/\/sol-fiscal.com\/ca\/assessorament-legal-i-fiscal\/\">assessorament jur\u00eddic i fiscal francoandorr\u00e0<\/a><\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Puc utilitzar personalment un xalet que pertany a la meva societat?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>L\u2019\u00fas privat s\u2019ha de preveure i tractar des dels punts de vista jur\u00eddic, comptable i fiscal. Cal distingir l\u2019actiu de la societat del patrimoni personal del soci. Examinem l\u2019\u00fas, les decisions, l\u2019eventual contraprestaci\u00f3, el finan\u00e7ament i les conseq\u00fc\u00e8ncies als pa\u00efsos implicats.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>SOL Fiscal tria les meves inversions financeres?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>El despatx defineix el marc jur\u00eddic, fiscal i patrimonial, prepara les decisions i coordina els intervinents. L\u2019assessorament en inversi\u00f3, la gesti\u00f3 de carteres i els serveis financers regulats corresponen a les entitats i als professionals autoritzats. Us ajudem a plantejar les preguntes adequades i a contrastar les seves propostes amb l\u2019estructura triada.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>L\u2019asseguran\u00e7a de vida luxemburguesa protegeix sempre el capital?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No. El dret luxemburgu\u00e8s preveu mecanismes espec\u00edfics per als actius de cobertura i els cr\u00e8dits d\u2019asseguran\u00e7a, per\u00f2 no garanteixen el rendiment ni el valor dels instruments d\u2019inversi\u00f3. Cal examinar el contracte, l\u2019asseguradora, el dipositari, els instruments, les comissions, la cl\u00e0usula de beneficiaris i la fiscalitat aplicable a cada persona.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Com analitzeu una inversi\u00f3 no cotitzada o immobili\u00e0ria?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Examinem la identitat i la funci\u00f3 de les parts, les autoritzacions, els contractes, el finan\u00e7ament, les garanties, la governan\u00e7a, les necessitats futures, les hip\u00f2tesis econ\u00f2miques i la sortida. Les avaluacions t\u00e8cniques, financeres o regulades es confien als especialistes corresponents. La decisi\u00f3 final i el risc de la inversi\u00f3 corresponen a l\u2019inversor.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Quant de temps cal per implantar l\u2019estructura?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>La revisi\u00f3 d\u2019un projecte concret pot avan\u00e7ar de pressa si la documentaci\u00f3 \u00e9s completa. Segons la nostra experi\u00e8ncia, per constituir una societat andorrana cal preveure almenys entre dos mesos i mig i tres mesos per organitzar el projecte, el banc, les autoritzacions, el notari i les inscripcions. \u00c9s una estimaci\u00f3 que dep\u00e8n dels intervinents i del cas, sense valor de termini legal ni de garantia. Una estructura patrimonial completa sovint es construeix en diverses etapes i s\u2019estabilitza despr\u00e9s de les primeres operacions.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Podeu treballar amb els meus assessors habituals?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>S\u00ed. Podem estudiar el cas amb ells i despr\u00e9s executar la feina a Andorra, o coordinar el projecte repartint les validacions. L\u2019abast, les responsabilitats, la informaci\u00f3 que es compartir\u00e0 i els documents que es lliuraran es fixen al comen\u00e7ament.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Qu\u00e8 passa despr\u00e9s de la inversi\u00f3?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Segons l\u2019enc\u00e0rrec, fem el seguiment de les decisions, els contractes, la comptabilitat, les declaracions i els compromisos. Una venda, un refinan\u00e7ament, una nova aportaci\u00f3 de capital, una distribuci\u00f3, un canvi d\u2019\u00fas o una modificaci\u00f3 legislativa poden justificar una nova an\u00e0lisi. El seguiment previst i el pressupost es concreten per escrit.<\/p>\n    <\/div>\n  <\/details>\n\n<\/div>\n\n<script>\n(function () {\n  function initSFConseilFAQ() {\n    if (\n      !(\"IntersectionObserver\" in window) ||\n      window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches\n    ) return;\n\n    document.querySelectorAll(\".sf-conseil-faq\").forEach(function (faq) {\n      if (faq.dataset.sfReady === \"true\") return;\n      faq.dataset.sfReady = \"true\";\n\n      var observer = new IntersectionObserver(function (entries) {\n        entries.forEach(function (entry) {\n          if (!entry.isIntersecting) return;\n\n          if (typeof entry.target.animate === \"function\") {\n            entry.target.animate(\n              [{ opacity: .55 }, { opacity: 1 }],\n              { duration: 750, easing: \"ease-out\" }\n            );\n          }\n\n          observer.unobserve(entry.target);\n        });\n      }, {\n        threshold: 0,\n        rootMargin: \"0px 0px -20px 0px\"\n      });\n\n      faq.querySelectorAll(\"details\").forEach(function (item) {\n        observer.observe(item);\n      });\n    });\n  }\n\n  if (document.readyState === \"loading\") {\n    document.addEventListener(\n      \"DOMContentLoaded\",\n      initSFConseilFAQ,\n      { once: true }\n    );\n  } else {\n    initSFConseilFAQ();\n  }\n})();\n<\/script><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_11 et_pb_section et_section_regular et_block_section\">\r\n\r\n<div class=\"et_pb_row_37 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_50 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_4 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png\" width=\"500\" height=\"83\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png 500w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821-480x83.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 500px, 100vw\" class=\"wp-image-328931\" alt=\"SOL Fiscal \u00b7 Element gr\u00e0fic de separaci\u00f3 entre seccions\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_blurb_28 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Parlem del que voleu construir amb el vostre patrimoni.<\/h2><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_29 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>No cal que vingueu amb una estructura ja triada. Expliqueu-nos d\u2019on ve el capital, qu\u00e8 voleu finan\u00e7ar, quines decisions ja heu pres i quins professionals us acompanyen.<\/p>\n<p>Us indicarem quins documents s\u00f3n \u00fatils, quines q\u00fcestions cal decidir i quin abast de treball conv\u00e9.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_38 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_51 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_7 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600;700&display=swap\");\n\n.sf-contact-code,\n.sf-contact-code * {\n  box-sizing: border-box;\n}\n\n.sf-contact-code {\n  --sf-contact-gold: #b2986d;\n  --sf-contact-graphite: #2a2927;\n  --sf-contact-ivory: #fcfbf9;\n  --sf-contact-serif: \"FreightBigProLight\", \"Iowan Old Style\", \"Palatino Linotype\", Georgia, serif;\n  --sf-contact-sans: \"DM Sans\", Arial, sans-serif;\n\n  display: grid;\n  grid-template-columns: minmax(300px, .72fr) minmax(0, 1.28fr);\n  align-items: stretch;\n  width: 100%;\n  max-width: 1180px;\n  margin: 0 auto;\n  padding: 0;\n  background: transparent;\n  box-shadow: 0 30px 90px rgba(0, 0, 0, .16);\n  font-family: var(--sf-contact-sans);\n  scroll-margin-top: 110px;\n}\n\n\/* Colonne de coordonn\u00e9es *\/\n.sf-contact-code__details {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  min-height: 680px;\n  padding: clamp(2.25rem, 4vw, 4.25rem);\n  overflow: hidden;\n  border: 1px solid rgba(178, 152, 109, .55);\n  background: #2a2927;\n  color: #fff;\n}\n\n.sf-contact-code__details::after {\n  content: \"\";\n  position: absolute;\n  right: -88px;\n  bottom: -88px;\n  width: 230px;\n  height: 230px;\n  border: 1px solid rgba(178, 152, 109, .32);\n  border-radius: 50%;\n  pointer-events: none;\n  transition: transform .6s ease;\n}\n\n.sf-contact-code__details:hover::after {\n  transform: scale(1.14);\n}\n\n.sf-contact-code__address {\n  position: relative;\n  z-index: 1;\n  padding-top: 1.75rem;\n  border-top: 1px solid rgba(178, 152, 109, .38);\n}\n\n.sf-contact-code__logo {\n  display: block;\n  width: 112px;\n  height: auto;\n  margin: 0 0 1.6rem;\n}\n\n.sf-contact-code__address address {\n  margin: 0;\n  color: rgba(255, 255, 255, .75);\n  font-family: var(--sf-contact-sans);\n  font-size: .9rem;\n  font-style: normal;\n  font-weight: 400;\n  line-height: 1.75;\n}\n\n.sf-contact-code__links {\n  position: relative;\n  z-index: 1;\n  display: grid;\n  gap: .55rem;\n  margin: 2.1rem 0;\n}\n\n.sf-contact-code__links a {\n  width: max-content;\n  max-width: 100%;\n  color: #fff !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .96rem;\n  font-weight: 700;\n  line-height: 1.5;\n  text-decoration: none;\n  overflow-wrap: anywhere;\n}\n\n.sf-contact-code__links a::after {\n  content: \"\";\n  display: block;\n  width: 0;\n  height: 1px;\n  margin-top: 3px;\n  background: var(--sf-contact-gold);\n  transition: width .3s ease;\n}\n\n.sf-contact-code__links a:hover::after,\n.sf-contact-code__links a:focus-visible::after {\n  width: 100%;\n}\n\n.sf-contact-code__appointment {\n  position: relative;\n  z-index: 1;\n  max-width: 270px;\n  margin: auto 0 0 !important;\n  color: var(--sf-contact-gold) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .74rem;\n  font-weight: 700;\n  letter-spacing: .08em;\n  line-height: 1.6;\n  text-transform: uppercase;\n}\n\n\/* Formulaire *\/\n.sf-contact-code__form {\n  display: flex;\n  flex-direction: column;\n  min-width: 0;\n  margin: 0;\n  padding: clamp(2.25rem, 5vw, 5rem);\n  background: var(--sf-contact-ivory);\n  color: var(--sf-contact-graphite);\n}\n\n.sf-contact-code__heading {\n  display: flex;\n  align-items: end;\n  justify-content: space-between;\n  gap: 2rem;\n  margin-bottom: 2.8rem;\n  padding-bottom: 1.2rem;\n  border-bottom: 1px solid rgba(178, 152, 109, .45);\n}\n\n.sf-contact-code__heading h3 {\n  margin: 0 !important;\n  padding: 0;\n  color: var(--sf-contact-graphite) !important;\n  font-family: var(--sf-contact-serif);\n  font-size: clamp(2rem, 3vw, 3.25rem);\n  font-weight: 400;\n  line-height: 1;\n}\n\n.sf-contact-code__heading p {\n  max-width: 230px;\n  margin: 0 !important;\n  color: rgba(42, 41, 39, .56) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .68rem;\n  line-height: 1.5;\n  text-align: right;\n}\n\n.sf-contact-code__intro {\n  margin: 0 0 2rem !important;\n  color: rgba(42, 41, 39, .6);\n  font: 400 .85rem\/1.65 var(--sf-contact-sans);\n}\n\n.sf-contact-code__grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  column-gap: 2.2rem;\n}\n\n.sf-contact-code__form label {\n  display: block;\n  margin: 0 0 2rem;\n  color: var(--sf-contact-graphite);\n  font-family: var(--sf-contact-sans);\n  font-size: .7rem;\n  font-weight: 700;\n  letter-spacing: .07em;\n  line-height: 1.5;\n  text-transform: uppercase;\n}\n\n.sf-contact-code__form label > span {\n  display: block;\n}\n\n.sf-contact-code__form label small {\n  font-size: .62rem;\n  font-weight: 500;\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form input,\n.sf-contact-code__form select,\n.sf-contact-code__form textarea {\n  width: 100%;\n  border: 0;\n  border-bottom: 1px solid rgba(42, 41, 39, .32);\n  border-radius: 0;\n  outline: 0;\n  background-color: transparent;\n  color: var(--sf-contact-graphite);\n  font-family: var(--sf-contact-sans);\n  font-size: 1rem;\n  font-weight: 500;\n  line-height: 1.5;\n  text-transform: none;\n  transition: border-color .25s ease, box-shadow .25s ease;\n}\n\n.sf-contact-code__form input,\n.sf-contact-code__form select {\n  min-height: 48px;\n  padding: .55rem 0;\n}\n\n.sf-contact-code__form select {\n  appearance: none;\n  padding-right: 2rem;\n  background-image:\n    linear-gradient(45deg, transparent 50%, var(--sf-contact-gold) 50%),\n    linear-gradient(135deg, var(--sf-contact-gold) 50%, transparent 50%);\n  background-position: calc(100% - 10px) 52%, calc(100% - 5px) 52%;\n  background-repeat: no-repeat;\n  background-size: 5px 5px, 5px 5px;\n}\n\n.sf-contact-code__form input:focus,\n.sf-contact-code__form select:focus,\n.sf-contact-code__form textarea:focus {\n  border-color: var(--sf-contact-gold);\n  box-shadow: 0 1px 0 var(--sf-contact-gold);\n}\n\n.sf-contact-code__form select.is-prefilled {\n  border-color: var(--sf-contact-gold);\n  box-shadow: 0 1px 0 var(--sf-contact-gold);\n}\n\n.sf-contact-code__message-field {\n  margin-top: .3rem !important;\n}\n\n.sf-contact-code__form textarea {\n  min-height: 150px;\n  margin-top: .9rem;\n  padding: 1rem;\n  border: 1px solid rgba(42, 41, 39, .24);\n  resize: vertical;\n}\n\n.sf-contact-code__help {\n  display: block;\n  margin-top: .7rem;\n  color: rgba(42, 41, 39, .6);\n  font-size: .7rem !important;\n  font-weight: 500 !important;\n  letter-spacing: 0 !important;\n  line-height: 1.5;\n  text-transform: none !important;\n}\n\n\/* Case facultative *\/\n.sf-contact-code__coordination {\n  margin: 0 0 2rem;\n}\n\n.sf-contact-code__form label.sf-contact-code__checkbox {\n  display: flex;\n  align-items: flex-start;\n  gap: 12px;\n  margin: 0;\n  font-size: .75rem;\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form .sf-contact-code__checkbox input {\n  appearance: auto;\n  width: 18px;\n  height: 18px;\n  min-height: 18px;\n  flex: 0 0 18px;\n  margin: 2px 0 0;\n  padding: 0;\n  border: 0;\n  accent-color: var(--sf-contact-gold);\n}\n\n.sf-contact-code__coordination .sf-contact-code__help {\n  margin: 8px 0 0 30px;\n}\n\n\/* Bouton et confidentialit\u00e9 *\/\n.sf-contact-code__footer {\n  display: grid;\n  grid-template-columns: auto minmax(0, 1fr);\n  gap: 1.7rem;\n  align-items: center;\n  margin-top: auto;\n}\n\n.sf-contact-code__submit {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 48px;\n  padding: .85rem 1.3rem;\n  border: 1px solid var(--sf-contact-gold);\n  background: var(--sf-contact-gold);\n  color: #fff;\n  font-family: var(--sf-contact-sans);\n  font-size: .8rem;\n  font-weight: 700;\n  letter-spacing: .035em;\n  white-space: normal;\n  text-align: center;\n  cursor: pointer;\n  transition: transform .25s ease, background-color .25s ease;\n}\n\n.sf-contact-code__submit:hover,\n.sf-contact-code__submit:focus-visible {\n  transform: translateY(-2px);\n  background: #9f8459;\n}\n\n.sf-contact-code__privacy {\n  max-width: 420px;\n  margin: 0 !important;\n  color: rgba(42, 41, 39, .58) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .66rem;\n  line-height: 1.55;\n}\n\n.sf-contact-code__privacy a {\n  color: var(--sf-contact-graphite) !important;\n  text-decoration: underline;\n  text-underline-offset: 2px;\n}\n\n\/* Messages *\/\n.sf-contact-code__status {\n  display: none;\n  margin: 1.5rem 0 0 !important;\n  padding: 1rem 1.1rem;\n  border-left: 2px solid var(--sf-contact-gold);\n  background: rgba(178, 152, 109, .1);\n  color: var(--sf-contact-graphite) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .78rem;\n  font-weight: 700;\n  line-height: 1.55;\n}\n\n.sf-contact-code__status.is-visible {\n  display: block;\n}\n\n.sf-contact-code__field-error {\n  display: block;\n  margin-top: 8px;\n  color: #a13425;\n  font: 400 .72rem\/1.5 var(--sf-contact-sans);\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form [aria-invalid=\"true\"] {\n  border-color: #a13425;\n}\n\n\/* Responsive *\/\n@media (max-width: 980px) {\n  .sf-contact-code {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__details {\n    min-height: 0;\n  }\n\n  .sf-contact-code__appointment {\n    margin-top: 1rem !important;\n  }\n}\n\n@media (max-width: 700px) {\n  .sf-contact-code__details,\n  .sf-contact-code__form {\n    padding: 2rem 6vw;\n  }\n\n  .sf-contact-code__grid {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__heading {\n    display: block;\n  }\n\n  .sf-contact-code__heading p {\n    margin-top: .8rem !important;\n    text-align: left;\n  }\n\n  .sf-contact-code__footer {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__submit {\n    width: 100%;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-contact-code__details::after,\n  .sf-contact-code__links a::after,\n  .sf-contact-code__form input,\n  .sf-contact-code__form select,\n  .sf-contact-code__form textarea,\n  .sf-contact-code__submit {\n    transition: none;\n  }\n}\n<\/style>\n\n<section class=\"sf-contact-code\" aria-label=\"Contactar amb SOL Fiscal\">\n\n  <aside class=\"sf-contact-code__details\" aria-label=\"Dades de contacte de SOL Fiscal\">\n\n    <div class=\"sf-contact-code__address\">\n      <img decoding=\"async\" class=\"sf-contact-code__logo\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/11\/White_LOGO-SOL-FISCAL.png\" alt=\"SOL Fiscal\">\n\n      <address>\n        Pla\u00e7a Copr\u00ednceps, Passatge Bonaventura M\u00f3ra Munt, 4Bis<br>\n        AD700 Escaldes-Engordany \u2014 Entresol 2<br>\n        Andorra\n      <\/address>\n    <\/div>\n\n    <div class=\"sf-contact-code__links\">\n      <a href=\"mailto:contact@sol-fiscal.com\">contact@sol-fiscal.com<\/a>\n      <a href=\"tel:+376603847\">+376 603 847<\/a>\n      <a href=\"tel:+33619232475\">+33 6 19 23 24 75<\/a>\n    <\/div>\n\n    <p class=\"sf-contact-code__appointment\">\n      Al despatx o per videoconfer\u00e8ncia, amb cita pr\u00e8via.\n    <\/p>\n  <\/aside>\n\n  <form\n    class=\"sf-contact-code__form\"\n    id=\"sf-contact-form\"\n    method=\"post\"\n    data-sf-context=\"patrimoine\">\n\n    <div class=\"sf-contact-code__heading\" id=\"contact-patrimoine\">\n      <h3>Parlar amb el despatx<\/h3>\n      <p>Els camps marcats amb un asterisc s\u00f3n obligatoris.<\/p>\n    <\/div>\n\n    <div class=\"sf-contact-code__grid\">\n\n      <label>\n        <span>Nom i cognoms <span aria-hidden=\"true\">*<\/span><\/span>\n        <input\n          type=\"text\"\n          name=\"name\"\n          autocomplete=\"name\"\n          required>\n      <\/label>\n\n      <label>\n        <span>Adre\u00e7a electr\u00f2nica <span aria-hidden=\"true\">*<\/span><\/span>\n        <input\n          type=\"email\"\n          name=\"email\"\n          autocomplete=\"email\"\n          required>\n      <\/label>\n\n      <label>\n        <span>Tel\u00e8fon <small>opcional<\/small><\/span>\n        <input\n          type=\"tel\"\n          name=\"phone\"\n          autocomplete=\"tel\">\n      <\/label>\n\n      <label>\n        <span>Societat o grup <small>opcional<\/small><\/span>\n        <input\n          type=\"text\"\n          name=\"company\"\n          autocomplete=\"organization\">\n      <\/label>\n\n    <\/div>\n\n    <label>\n      <span>Assumpte<\/span>\n      <select name=\"subject\" class=\"sf-contact-subject\">\n        <option value=\"\" selected>Trieu un assumpte<\/option>\n        <option value=\"Diversification et investissements\">Diversificaci\u00f3 i inversions<\/option>\n        <option value=\"Structure patrimoniale\">Estructura patrimonial<\/option>\n        <option value=\"Relecture d\u2019un projet\">Revisi\u00f3 d\u2019un projecte<\/option>\n        <option value=\"Architecture avec mes conseils\">Coordinaci\u00f3 amb els meus assessors<\/option>\n        <option value=\"Autre\">Altres consultes<\/option>\n      <\/select>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>\n        Situaci\u00f3 actual i origen general del capital\n        <span aria-hidden=\"true\">*<\/span>\n      <\/span>\n      <textarea name=\"situation\" rows=\"4\" required><\/textarea>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>\n        Projecte previst i termini\n        <span aria-hidden=\"true\">*<\/span>\n      <\/span>\n      <textarea name=\"project\" rows=\"4\" required><\/textarea>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>Assessors que ja hi participen <small>opcional<\/small><\/span>\n      <textarea name=\"advisers\" rows=\"2\"><\/textarea>\n    <\/label>\n\n    <p class=\"sf-contact-code__intro\">\n      Amb unes quantes l\u00ednies n\u2019hi ha prou per a la primera conversa. Eviteu enviar dades banc\u00e0ries o documents confidencials per aquest formulari. Despr\u00e9s acordarem un canal adequat.\n    <\/p>\n\n    <div class=\"sf-contact-code__footer\">\n      <button class=\"sf-contact-code__submit\" type=\"submit\">\n        Presentar el meu projecte\n      <\/button>\n\n      <p class=\"sf-contact-code__privacy\">\n        <a href=\"https:\/\/sol-fiscal.com\/ca\/politica-de-privadesa\/\">\n          Pol\u00edtica de privadesa\n        <\/a>\n      <\/p>\n    <\/div>\n\n    <!-- Champ transmis au traitement WordPress existant -->\n    <input type=\"hidden\" name=\"message\" value=\"\">\n\n    <p class=\"sf-contact-code__status\" role=\"status\" aria-live=\"polite\"><\/p>\n\n    <template class=\"sf-contact-code__success\">\n      Gr\u00e0cies. La vostra consulta s\u2019ha enviat al despatx. Ens posarem en contacte amb vosaltres per concretar la primera conversa i la documentaci\u00f3 \u00fatil.\n    <\/template>\n\n    <template class=\"sf-contact-code__error\">\n      No s\u2019ha pogut enviar el vostre missatge. 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