{"id":329523,"date":"2026-10-13T09:18:59","date_gmt":"2026-10-13T07:18:59","guid":{"rendered":"https:\/\/sol-fiscal.com\/diversificacion-patrimonial-e-inversiones\/"},"modified":"2026-11-06T15:50:25","modified_gmt":"2026-11-06T14:50:25","slug":"diversificacion-patrimonial-e-inversiones","status":"publish","type":"page","link":"https:\/\/sol-fiscal.com\/es\/diversificacion-patrimonial-e-inversiones\/","title":{"rendered":"Diversificaci\u00f3n patrimonial e inversiones"},"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\u00f3n patrimonial e inversiones en 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>D\u00e9 un rumbo a su patrimonio en 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 patrimonio es m\u00e1s que un conjunto de productos. Es la capacidad de financiar la vida y los proyectos que elija.<\/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\">Hablar con el despacho<\/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\">Ver c\u00f3mo le ayudamos 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>Ha creado valor. Ahora toca decidir qu\u00e9 debe hacer posible: conservar un margen real de maniobra, financiar un nuevo proyecto, generar ingresos, invertir en Andorra, implicar a sus hijos o preparar la transmisi\u00f3n del patrimonio.<\/p>\n<p>Conectamos las decisiones jur\u00eddicas, fiscales, contables, bancarias, inmobiliarias y empresariales para definir una estructura que pueda entender, gestionar y 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\u00f3n antes que los productos \u00b7 Responsabilidades por escrito \u00b7 Participaci\u00f3n de sus asesores \u00b7 Seguimiento despu\u00e9s de la firma<\/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, miembro de la red 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>Miembro de la red 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 cliente antes que los productos<\/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>Antes de invertir, defina qu\u00e9 quiere que le permita hacer el dinero.<\/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    Sus proyectos\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--liquidite\">\n    Liquidez\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    Familia\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--immobilier\">\n    Inmuebles\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--investissements\">\n    Inver<wbr>siones\n  <\/div>\n\n  <p class=\"sf-patrimoine-map__caption\">\n    Coordinaci\u00f3n a cargo 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 tras una venta, una distribuci\u00f3n, una transmisi\u00f3n o varios a\u00f1os de crecimiento rara vez tiene un \u00fanico destino. Quiz\u00e1 haya que mantener una parte inmediatamente disponible. Otra puede financiar un proyecto a medio plazo. Una tercera puede asumir una menor liquidez si se entienden los derechos, el riesgo y el horizonte 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>Empezamos por la decisi\u00f3n que hay que tomar y despu\u00e9s estudiamos los instrumentos.<\/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\">Mantener una reserva realmente disponible<\/h3><div class=\"et_pb_blurb_description\"><p>La liquidez necesaria depende de sus ingresos, impuestos, compromisos, gastos de su nivel de vida y proyectos previstos. El dinero invertido, pignorado o comprometido en un fondo cubre necesidades distintas de la tesorer\u00eda disponible.<\/p>\n<p>Fijamos los plazos y los m\u00e1rgenes de seguridad antes de hablar de la asignaci\u00f3n del capital. Cuando corresponde, el asesoramiento en inversi\u00f3n y la gesti\u00f3n financiera se conf\u00edan a entidades y profesionales autorizados.<\/p>\n<p><a href=\"https:\/\/sol-fiscal.com\/apres-une-cession-combien-garder-disponible-avant-dinvestir\/\">Venta de una empresa: \u00bfcu\u00e1nta liquidez conviene conservar antes 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\">Dar a cada proyecto su lugar<\/h3><div class=\"et_pb_blurb_description\"><p>Vivienda habitual, compra de un inmueble, desarrollo de una actividad, participaci\u00f3n en una empresa o transmisi\u00f3n a los hijos: cada proyecto tiene sus plazos, su forma de titularidad y su nivel de riesgo.<\/p>\n<p>Reunirlo todo en una sola sociedad o financiarlo con la misma deuda no siempre simplifica las cosas. Distinguimos las necesidades personales, las de la actividad empresarial y las de la inversi\u00f3n.<\/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 posibilidad de cambiar de opini\u00f3n<\/h3><div class=\"et_pb_blurb_description\" data-et-mv-hidden-phone=\"true\"><p>Una inversi\u00f3n debe valorarse m\u00e1s all\u00e1 de la rentabilidad anunciada. Examinamos los derechos de informaci\u00f3n, las comisiones, las aportaciones de capital exigidas, las garant\u00edas, las opciones de venta, las consecuencias de un desacuerdo y el tiempo necesario para 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\">Cinco preguntas para empezar<\/h3><div class=\"et_pb_blurb_description\"><ol>\n<li>\u00bfQu\u00e9 importes necesitar\u00e1 durante los pr\u00f3ximos tres a\u00f1os?<\/li>\n<li>\u00bfQu\u00e9 capital sigue sujeto a compromisos fiscales, societarios o contractuales?<\/li>\n<li>\u00bfQu\u00e9 activos quiere gestionar directamente, delegar o transmitir?<\/li>\n<li>\u00bfQu\u00e9 parte de su patrimonio puede quedar inmovilizada sin poner en riesgo los dem\u00e1s proyectos?<\/li>\n<li>\u00bfQui\u00e9n debe poder entender la estructura y asumir su gesti\u00f3n con usted?<\/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>Trazar 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 todos los euros disponibles <br \/>pueden utilizarse del mismo modo.<\/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>Antes de mover los fondos, reconstruimos su origen y los compromisos asociados: patrimonio personal, sociedad operativa, holding franc\u00e9s, distribuci\u00f3n, producto de una venta, donaci\u00f3n, pr\u00e9stamo o cuenta corriente de socio.<\/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 trabaja con sus asesores en cuestiones jur\u00eddicas, fiscales e inmobiliarias\" \/><\/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\">Distinguir la disponibilidad econ\u00f3mica de la disponibilidad jur\u00eddica<\/h3><div class=\"et_pb_blurb_description\"><p>La tesorer\u00eda que figura en una cuenta puede pertenecer a una sociedad, estar destinada a su actividad, garantizar una deuda o seguir sujeta a un compromiso. El deseo de invertir del directivo no convierte ese dinero en capital personal.<\/p>\n<p>Comprobamos qui\u00e9n es titular de los fondos, qui\u00e9n puede decidir, c\u00f3mo pueden utilizarse y qu\u00e9 documentos deber\u00e1n justificar el movimiento.<\/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 los antecedentes fiscales antes de volver a invertir<\/h3><div class=\"et_pb_blurb_description\"><p>Una aportaci\u00f3n seguida de cesi\u00f3n, un diferimiento o una suspensi\u00f3n de la tributaci\u00f3n, una donaci\u00f3n, una desmembraci\u00f3n del dominio o una operaci\u00f3n de grupo pueden seguir produciendo efectos. Antes de cualquier suscripci\u00f3n o adquisici\u00f3n, incorporamos al expediente las fechas, los importes que hay que seguir y las obligaciones.<\/p>\n<p>El objetivo es que la decisi\u00f3n de invertir se tome con una visi\u00f3n completa del capital disponible, sin complicar el proyecto.<\/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 con el banco la justificaci\u00f3n del origen de los fondos<\/h3><div class=\"et_pb_blurb_description\"><p>Las entidades necesitan entender el origen de los fondos, la cadena de operaciones y qui\u00e9nes son los titulares reales. Organizamos la documentaci\u00f3n con sus asesores y su interlocutor bancario: actos jur\u00eddicos, cuentas, decisiones, justificantes de venta o distribuci\u00f3n y explicaci\u00f3n del proyecto.<\/p>\n<p>El banco sigue siendo responsable de sus controles y de su decisi\u00f3n. Nuestra funci\u00f3n es que el expediente sea claro y coherente.<\/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>Elegir la estructura\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 sociedad que genera valor <br \/>no tiene por qu\u00e9 concentrar todo su patrimonio.<\/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 puede distinguir la estrategia de inversi\u00f3n de la actividad operativa, organizar la gobernanza familiar o agrupar varios proyectos. Solo es \u00fatil si se justifican sus funciones, sus costes y sus obligaciones.<\/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    Usted y su familia\n  <\/div>\n\n  <span class=\"sf-ownership__link\" aria-hidden=\"true\"><\/span>\n\n  <div class=\"sf-ownership__node\">\n    actividad existente\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, seg\u00fan las necesidades\n  <\/div>\n\n  <figcaption class=\"sf-ownership__caption\">\n    una opci\u00f3n entre varias\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\">Mantener los activos a t\u00edtulo personal<\/h3><div class=\"et_pb_blurb_description\"><p>La titularidad personal puede seguir siendo la opci\u00f3n m\u00e1s clara para algunos activos. Evita una capa adicional de gobernanza y contabilidad, pero debe valorarse en funci\u00f3n de la financiaci\u00f3n, la responsabilidad, la transmisi\u00f3n y la participaci\u00f3n de otras personas.<\/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 sociedad patrimonial espec\u00edfica<\/h3><div class=\"et_pb_blurb_description\"><p>Una sociedad puede tener liquidez, valores, un inmueble o una participaci\u00f3n. Tiene cuentas, contratos, decisiones y obligaciones propios. Hay que determinar qui\u00e9n la financia, qui\u00e9n la dirige, c\u00f3mo se utilizan sus activos y c\u00f3mo podr\u00e1 salir el capital.<\/p>\n<p>El uso privado de un bien de la sociedad debe preverse y tratarse expresamente. Los gastos personales y los de la sociedad siguen siendo distintos aunque el bien sea de la sociedad.<\/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 desde una sociedad matriz francesa<\/h3><div class=\"et_pb_blurb_description\"><p>Un grupo puede mantener su matriz en Francia y <a href=\"https:\/\/sol-fiscal.com\/es\/creacion-de-empresas-y-estructuracion-de-grupos\/\">crear una filial andorrana<\/a> para un proyecto concreto. La financiaci\u00f3n puede adoptar la forma de una aportaci\u00f3n de capital, una cuenta corriente de socio o una combinaci\u00f3n documentada, seg\u00fan el inter\u00e9s de cada sociedad y las normas aplicables.<\/p>\n<p>Cuando el caso lo requiere, trabajamos con el asesor contable, el auditor y los equipos de consolidaci\u00f3n. La consolidaci\u00f3n contable, por s\u00ed sola, no constituye una integraci\u00f3n fiscal francesa y la filial andorrana mantiene sus propias obligaciones.<\/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 estructuras por inercia<\/h3><div class=\"et_pb_blurb_description\"><p>La recomendaci\u00f3n puede ser mantener la estructura existente, simplificarla o crear una \u00fanica entidad. Un holding adicional solo tiene sentido si se entiende su funci\u00f3n antes de constituirlo y puede seguir justific\u00e1ndose despu\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 mi 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>Tipos de inversi\u00f3n<\/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, inmuebles y empresas <br \/>Cada activo requiere un an\u00e1lisis distinto.<\/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>Comparamos la funci\u00f3n de las inversiones en su patrimonio, sus contratos, su liquidez, su gobernanza y el trabajo que requerir\u00e1n despu\u00e9s de la firma, sin partir de una clasificaci\u00f3n 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: organizar la liquidez y el di\u00e1logo sobre inversiones<\/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 entidad bancaria puede custodiar activos, ofrecer servicios de gesti\u00f3n, financiar un proyecto o estructurar una garant\u00eda. Antes de elegir, hay que entender el mandato, los instrumentos, las comisiones, el nivel de riesgo, las divisas, las condiciones de salida y las posibles pignoraciones.<\/p>\n<p>Preparamos el expediente patrimonial y jur\u00eddico, contrastamos las propuestas con sus objetivos e incorporamos a los profesionales autorizados para el asesoramiento o la gesti\u00f3n financiera. Abrir una cuenta no implica ninguna validaci\u00f3n fiscal ni garantiza la rentabilidad.<\/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\/es\/servicios-bancarios-en-andorra\/\">los servicios bancarios en 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\">Inmuebles: decidir el uso antes de elegir el veh\u00edculo<\/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>Vivir en un inmueble, alquilarlo, construir, reformar, revender o participar en una promoci\u00f3n conlleva contratos y riesgos distintos. Examinamos la autorizaci\u00f3n de inversi\u00f3n extranjera cuando proceda, la fiscalidad, la financiaci\u00f3n, las garant\u00edas, los plazos urban\u00edsticos, la comercializaci\u00f3n y la salida.<\/p>\n<p>El uso y el horizonte temporal orientan la elecci\u00f3n entre titularidad personal, una sociedad espec\u00edfica o la participaci\u00f3n en una operaci\u00f3n. La plusval\u00eda esperada no sustituye el an\u00e1lisis del precio, los costes, los plazos y la liquidez.<\/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\/es\/invertir-en-bienes-raices\/\">invertir en inmuebles en 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 privado y participaciones directas: invertir con derechos<\/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 en el capital de una empresa implica m\u00e1s que aportar dinero. Examinamos los derechos de informaci\u00f3n, las decisiones reservadas, la diluci\u00f3n, las necesidades futuras de financiaci\u00f3n, los conflictos de inter\u00e9s, la gobernanza y las condiciones de salida.<\/p>\n<p>En un fondo, hay que entender el veh\u00edculo, las aportaciones de capital exigidas, la duraci\u00f3n, las comisiones, la valoraci\u00f3n y las opciones de venta. La etiqueta \u00abcapital privado\u00bb por s\u00ed sola no indica qu\u00e9 posee el inversor ni cu\u00e1ndo recuperar\u00e1 la liquidez.<\/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\">Proyectos locales y operaciones a medida<\/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>Nuestra presencia en Andorra nos permite conocer a los actores locales, reunir a las partes pertinentes y estudiar proyectos que van m\u00e1s all\u00e1 de un producto est\u00e1ndar. La disponibilidad de las operaciones no est\u00e1 garantizada.<\/p>\n<p>Examinamos qui\u00e9n impulsa el proyecto, la necesidad econ\u00f3mica, las autorizaciones, los contratos, la financiaci\u00f3n, las garant\u00edas, los derechos del inversor y la salida prevista. Si el expediente deja estas preguntas sin respuesta, puede ser m\u00e1s prudente 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 oportunidad solo es interesante cuando quedan claros los derechos, <br \/>los riesgos y el calendario.<\/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\">Solicitar una revisi\u00f3n del proyecto de inversi\u00f3n<\/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 las estructuras<\/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>Dos estructuras pueden servir a un objetivo similar <br \/>y conferir derechos distintos.<\/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>Tanto una sociedad patrimonial como un contrato de seguro de vida luxemburgu\u00e9s pueden considerarse para diversificar o transmitir el patrimonio. Tienen funciones distintas y no son intercambiables.<\/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\u00f3n entre la sociedad patrimonial y el seguro de vida luxemburgu\u00e9s\">\n\n    <thead role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"col\" role=\"columnheader\">Pregunta<\/th>\n        <th scope=\"col\" role=\"columnheader\">Sociedad patrimonial<\/th>\n        <th scope=\"col\" role=\"columnheader\">Seguro de vida luxemburgu\u00e9s<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfQui\u00e9n es titular de los activos?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          La sociedad es titular de los activos de su patrimonio. El socio tiene participaciones en la sociedad.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          La aseguradora asume las obligaciones del contrato y los activos que las respaldan se rigen por la normativa de seguros.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfQui\u00e9n toma las decisiones?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          Los \u00f3rganos sociales deciden conforme a los estatutos, sus facultades y el inter\u00e9s de la sociedad.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          Las decisiones dependen del contrato, la modalidad de gesti\u00f3n, la aseguradora, el depositario y las normas aplicables a los instrumentos de inversi\u00f3n.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfQu\u00e9 seguimiento requiere?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          Contabilidad, acuerdos sociales, contratos, declaraciones y gobernanza propios.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          Seguimiento contractual y regulatorio del producto, comisiones e informes previstos en el contrato.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfQu\u00e9 protecci\u00f3n ofrece?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          El derecho de sociedades, los contratos, las garant\u00edas y la separaci\u00f3n jur\u00eddica de los patrimonios seg\u00fan la estructura elegida.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          El derecho luxemburgu\u00e9s prev\u00e9, entre otros mecanismos, el dep\u00f3sito de los activos de cobertura y un patrimonio separado afectado con car\u00e1cter preferente a los cr\u00e9ditos de seguro. Esta protecci\u00f3n no garantiza el valor de los instrumentos de inversi\u00f3n.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfC\u00f3mo se transmite?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          La transmisi\u00f3n recae sobre las participaciones o los activos y se prepara conforme a las normas civiles y fiscales aplicables.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          Hay que estudiar la cl\u00e1usula de beneficiarios y el r\u00e9gimen del contrato teniendo en cuenta la residencia del tomador y de los beneficiarios. Estos elementos no neutralizan autom\u00e1ticamente la tributaci\u00f3n extranjera.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">\u00bfQu\u00e9 uso se le puede dar?<\/th>\n\n        <td role=\"cell\" data-label=\"Sociedad patrimonial\">\n          Adquisici\u00f3n directa de activos, gobernanza empresarial, inmuebles, participaciones o inversiones decididas por la sociedad dentro de su objeto social.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Seguro de vida luxemburgu\u00e9s\">\n          Inversi\u00f3n dentro del universo contractual admitido por la aseguradora y conforme a las normas del producto.\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>Comparamos estas estructuras seg\u00fan su residencia, el origen del capital, el tipo de activos, la gobernanza deseada, los costes, la liquidez y la transmisi\u00f3n. La aseguradora, el banco depositario y los profesionales autorizados intervienen en el contrato y los instrumentos de inversi\u00f3n. El despacho coordina con ellos el an\u00e1lisis jur\u00eddico, fiscal y 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>Los mecanismos luxemburgueses de protecci\u00f3n de los cr\u00e9ditos de seguro no garantizan la rentabilidad ni la recuperaci\u00f3n \u00edntegra del capital. Hay que examinar el contrato, los instrumentos de inversi\u00f3n y el riesgo de mercado.<\/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>Financiaci\u00f3n y liquidez<\/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>La financiaci\u00f3n puede acelerar un proyecto. <br \/>Tambi\u00e9n puede reducir su margen 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\u00e9 permite la financiaci\u00f3n\n        <\/p>\n\n        <ul>\n          <li>Adquirir<\/li>\n          <li>Desarrollar<\/li>\n          <li>Conservar liquidez<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__center\">\n        <span class=\"sf-finance-diagram__title\">\n          Su proyecto\n        <\/span>\n        <span class=\"sf-finance-diagram__subtitle\">\n          La financiaci\u00f3n\n        <\/span>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__side\">\n        <p class=\"sf-finance-diagram__label\">\n          Qu\u00e9 compromisos implica\n        <\/p>\n\n        <ul>\n          <li>Devolver el dinero<\/li>\n          <li>Aportar garant\u00edas<\/li>\n          <li>Cumplir los vencimientos<\/li>\n        <\/ul>\n      <\/div>\n\n    <\/div>\n\n    <figcaption class=\"sf-finance-diagram__caption\">\n      \u00bfQu\u00e9 margen de maniobra queda despu\u00e9s de financiarse?\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\u00e9stamo inmobiliario, un anticipo en cuenta corriente de socio, una financiaci\u00f3n bancaria o un pr\u00e9stamo garantizado por una cartera modifican los flujos de ingresos y los riesgos del patrimonio.<\/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\">Entender qu\u00e9 garantiza la deuda<\/h3><div class=\"et_pb_blurb_description\"><p>Identificamos al prestatario, al garante, los activos pignorados, las ratios exigidas, los supuestos de devoluci\u00f3n anticipada y los derechos del banco. La financiaci\u00f3n contratada por una sociedad puede comprometer sus activos. Una garant\u00eda personal vuelve a cambiar el equilibrio.<\/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\">Poner a prueba un escenario menos favorable<\/h3><div class=\"et_pb_blurb_description\"><p>Ca\u00edda del valor, llamada de margen, retraso de la obra, distribuci\u00f3n aplazada o nueva aportaci\u00f3n de capital. El plan debe seguir siendo claro cuando las cosas no salen como estaba previsto.<\/p>\n<p>Contrastamos estos escenarios con la tesorer\u00eda disponible y los dem\u00e1s proyectos. La financiaci\u00f3n elegida debe ser compatible con su capacidad de esperar, refinanciar o salir de la operaci\u00f3n.<\/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\">Mantener los flujos comprensibles<\/h3><div class=\"et_pb_blurb_description\"><p>El capital, la cuenta corriente de socio, los intereses, los dividendos, las devoluciones y los gastos privados cumplen funciones distintas. Las decisiones, los contratos y los asientos deben reflejar la misma operaci\u00f3n.<\/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>C\u00f3mo tomamos las decisiones<\/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>Para decidir, necesita un mapa claro <br \/>y no una pila de folletos.<\/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=\"Las cinco etapas de la decisi\u00f3n\">\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. Identificar el capital<\/h3>\n\n      <p class=\"sf-method__description\">\n        Titular, origen, disponibilidad, compromisos, deudas y vencimientos.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e9 recibe\n        <\/span>\n        <p>Mapa patrimonial y lista de documentos \u00fatiles.<\/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 los objetivos<\/h3>\n\n      <p class=\"sf-method__description\">\n        Liquidez, ingresos, proyectos, gobernanza familiar, horizonte y transmisi\u00f3n.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e9 recibe\n        <\/span>\n        <p>Orden de prioridades y criterios de decisi\u00f3n.<\/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 las estructuras<\/h3>\n\n      <p class=\"sf-method__description\">\n        Titularidad personal, sociedad, banca privada, seguro, inmuebles, fondos o participaci\u00f3n directa.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e9 recibe\n        <\/span>\n        <p>\n          Informe de opciones con los derechos, costes, limitaciones, fiscalidad y cuestiones pendientes 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 proyecto<\/h3>\n\n      <p class=\"sf-method__description\">\n        Partes implicadas, autorizaciones, contratos, financiaci\u00f3n, garant\u00edas, conflictos y salida.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e9 recibe\n        <\/span>\n        <p>\n          Lista de comprobaciones, responsabilidades y versiones de los documentos revisados.\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. Ejecutar y hacer el seguimiento<\/h3>\n\n      <p class=\"sf-method__description\">\n        Decisiones, movimientos de fondos, contabilidad, declaraciones y hechos futuros.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          Qu\u00e9 recibe\n        <\/span>\n        <p>\n          Calendario a partir de la fecha prevista, expediente final y calendario de seguimiento del encargo.\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>Los honorarios se fijan seg\u00fan el trabajo realmente necesario: definici\u00f3n del alcance, an\u00e1lisis, coordinaci\u00f3n, actos jur\u00eddicos y seguimiento. Si basta con una reuni\u00f3n y un informe, el encargo debe limitarse a eso. Si hay que coordinar varios pa\u00edses, asesores, bancos o inversiones, se acuerdan el alcance y el presupuesto antes 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>Nuestros honorarios deben traducirse en decisiones <br \/>m\u00e1s claras, documentos \u00fatiles y m\u00e1s tiempo para sus proyectos.<\/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>Colaboraci\u00f3n con sus asesores<\/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>Su abogado, su asesor contable, su notario <br \/>y su banco pueden seguir participando en el proyecto.<\/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>Conocen la historia del patrimonio, las operaciones anteriores y los compromisos vigentes. Podemos estudiar el proyecto con ellos y despu\u00e9s realizar en Andorra los trabajos que nos encomiende.<\/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\">Su abogado<\/div>\n      <div class=\"sf-advisers__node\">Su notario<\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__center-space\">\n      <div class=\"sf-advisers__center\">\n        Usted y su proyecto\n      <\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__group\">\n      <div class=\"sf-advisers__node\">Su asesor contable<\/div>\n      <div class=\"sf-advisers__node\">Su banco<\/div>\n    <\/div>\n\n  <\/div>\n\n  <p class=\"sf-advisers__caption\">\n    SOL Fiscal \u00b7 Coordinaci\u00f3n\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\u00f3n que necesita cada profesional<\/h3><div class=\"et_pb_blurb_description\"><p>Con su acuerdo, definimos qu\u00e9 necesita cada profesional. Siguen aplic\u00e1ndose el secreto profesional, las normas de cada profesi\u00f3n y el examen de los conflictos de inter\u00e9s.<\/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\">Asignar cada validaci\u00f3n<\/h3><div class=\"et_pb_blurb_description\"><p>El despacho puede coordinar el calendario y contar con sus socios en Francia. Sus asesores habituales pueden intervenir en el informe franc\u00e9s, los actos jur\u00eddicos, la contabilidad, la auditor\u00eda, la gesti\u00f3n financiera o la transmisi\u00f3n. Sabr\u00e1 qui\u00e9n prepara, qui\u00e9n verifica y qui\u00e9n decide.<\/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 los m\u00e9todos de trabajo<\/h3><div class=\"et_pb_blurb_description\"><p>Compartimos m\u00e9todos, dificultades y posiciones p\u00fablicas pertinentes. Las lecciones de otras operaciones son generales y no permiten identificar a las partes. Siempre volvemos a examinar una soluci\u00f3n aplicada en otro caso antes de proponerla.<\/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\">Organizar una conversaci\u00f3n con mis asesores<\/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\/es\/nuestro-enfoque\/\">nuestro enfoque\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>Presencia local y marco profesional<\/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 equipo local que hace avanzar el proyecto <br \/>m\u00e1s all\u00e1 de presentar formularios.<\/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\u00f3n de holdings y estructuraci\u00f3n de grupos\" 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>Nuestro equipo trabaja en franc\u00e9s y catal\u00e1n, conoce los tr\u00e1mites locales y re\u00fane a los profesionales que necesita el proyecto. Esta proximidad ayuda a obtener los documentos adecuados, plantear las preguntas a tiempo y hacer el seguimiento de las decisiones.<\/p>\n<p>Matthieu Bech, socio director, es jurista especializado en derecho fiscal franc\u00e9s y procedimientos transfronterizos. Es economista colegiado en el Col\u00b7legi Oficial d\u2019Economistes d\u2019Andorra con el n\u00famero 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\/es\/nuestro-equipo\/\">Conocer al equipo <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>En Andorra, el COEA organiza la profesi\u00f3n de economista. Su \u00e1mbito incluye cuestiones empresariales, contables, financieras y fiscales, dentro de los l\u00edmites de las normas aplicables y de las competencias reservadas a otras profesiones. Cuando el encargo incluye asesoramiento o servicios regulados, especialmente de inversi\u00f3n financiera, el despacho recurre a profesionales autorizados.<\/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\u00f3n contin\u00faa despu\u00e9s del desembolso de los fondos. Seg\u00fan el encargo acordado, hacemos el seguimiento de las obligaciones, los acuerdos sociales, los vencimientos, los compromisos y los cambios que justifiquen un nuevo an\u00e1lisis.<\/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-328925\" alt=\"SOL Fiscal \u00b7 Elemento gr\u00e1fico de separaci\u00f3n entre secciones\" \/><\/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\">Cuestiones que conviene resolver antes de invertir<\/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>\u00bfCu\u00e1nto dinero conviene conservar disponible antes de invertir?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No hay un porcentaje universal. Partimos de sus gastos, impuestos, deudas, proyectos y compromisos de pago para definir distintos horizontes de liquidez. El capital destinado a un proyecto pr\u00f3ximo no debe tratarse como dinero que puede permanecer inmovilizado durante a\u00f1os.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfNecesito una sociedad patrimonial en Andorra?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No necesariamente. La titularidad personal, la sociedad existente o una \u00fanica filial pueden ser suficientes. Antes de recomendar una estructura, comparamos la gobernanza, los costes, la fiscalidad, la contabilidad, la financiaci\u00f3n y la transmisi\u00f3n.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfPuedo invertir en Andorra desde mi holding franc\u00e9s?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>S\u00ed. Una sociedad francesa puede financiar o tener una filial andorrana si el proyecto y las normas aplicables lo permiten. Hay que examinar el inter\u00e9s de la sociedad, la financiaci\u00f3n, las posibles autorizaciones, los acuerdos, la direcci\u00f3n efectiva, la contabilidad y las consecuencias fiscales en ambos pa\u00edses. Trasladar la matriz del grupo no es un requisito previo.<\/p>\n      <p><a href=\"https:\/\/sol-fiscal.com\/es\/asesoramiento-legal-y-fiscal\/\">asesoramiento jur\u00eddico y fiscal francoandorrano<\/a><\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfPuedo usar personalmente un chalet que pertenece a mi sociedad?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>El uso privado debe preverse y tratarse desde los puntos de vista jur\u00eddico, contable y fiscal. Hay que distinguir el activo de la sociedad del patrimonio personal del socio. Examinamos el uso, las decisiones, la posible contraprestaci\u00f3n, la financiaci\u00f3n y las consecuencias en los pa\u00edses implicados.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfSOL Fiscal elige mis inversiones financieras?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>El despacho define el marco jur\u00eddico, fiscal y patrimonial, prepara las decisiones y coordina a los intervinientes. El asesoramiento en inversi\u00f3n, la gesti\u00f3n de carteras y los servicios financieros regulados corresponden a las entidades y los profesionales autorizados. Le ayudamos a plantear las preguntas adecuadas y a contrastar sus propuestas con la estructura elegida.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfEl seguro de vida luxemburgu\u00e9s protege siempre el capital?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No. El derecho luxemburgu\u00e9s prev\u00e9 mecanismos espec\u00edficos para los activos de cobertura y los cr\u00e9ditos de seguro, pero no garantizan la rentabilidad ni el valor de los instrumentos de inversi\u00f3n. Hay que examinar el contrato, la aseguradora, el depositario, los instrumentos, las comisiones, la cl\u00e1usula de beneficiarios y la fiscalidad aplicable a cada persona.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfC\u00f3mo analizan una inversi\u00f3n no cotizada o inmobiliaria?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Examinamos la identidad y la funci\u00f3n de las partes, las autorizaciones, los contratos, la financiaci\u00f3n, las garant\u00edas, la gobernanza, las necesidades futuras, las hip\u00f3tesis econ\u00f3micas y la salida. Las evaluaciones t\u00e9cnicas, financieras o reguladas se conf\u00edan a los especialistas correspondientes. La decisi\u00f3n final y el riesgo de la inversi\u00f3n corresponden al inversor.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfCu\u00e1nto tiempo hace falta para implantar la estructura?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>La revisi\u00f3n de un proyecto concreto puede avanzar deprisa si la documentaci\u00f3n est\u00e1 completa. Seg\u00fan nuestra experiencia, para constituir una sociedad andorrana conviene prever al menos entre dos meses y medio y tres meses para organizar el proyecto, el banco, las autorizaciones, el notario y las inscripciones. Es una estimaci\u00f3n que depende de los intervinientes y del expediente, sin valor de plazo legal ni de garant\u00eda. Una estructura patrimonial completa suele construirse en varias etapas y estabilizarse tras las primeras operaciones.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfPueden trabajar con mis asesores habituales?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>S\u00ed. Podemos estudiar el expediente con ellos y despu\u00e9s ejecutar el trabajo en Andorra, o coordinar el proyecto repartiendo las validaciones. El alcance, las responsabilidades, la informaci\u00f3n que se compartir\u00e1 y los documentos que se entregar\u00e1n se fijan al comienzo.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>\u00bfQu\u00e9 ocurre despu\u00e9s de la inversi\u00f3n?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Seg\u00fan el encargo, hacemos el seguimiento de las decisiones, los contratos, la contabilidad, las declaraciones y los compromisos. Una venta, una refinanciaci\u00f3n, una nueva aportaci\u00f3n de capital, una distribuci\u00f3n, un cambio de uso o una modificaci\u00f3n legislativa pueden justificar un nuevo an\u00e1lisis. El seguimiento previsto y el presupuesto se concretan por escrito.<\/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-328925\" alt=\"SOL Fiscal \u00b7 Elemento gr\u00e1fico de separaci\u00f3n entre secciones\" \/><\/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\">Hablemos de lo que quiere construir con su patrimonio.<\/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 hace falta que llegue con una estructura ya elegida. Cu\u00e9ntenos de d\u00f3nde viene el capital, qu\u00e9 quiere financiar, qu\u00e9 decisiones ha tomado y qu\u00e9 profesionales le acompa\u00f1an.<\/p>\n<p>Le indicaremos qu\u00e9 documentos son \u00fatiles, qu\u00e9 cuestiones hay que decidir y qu\u00e9 alcance de trabajo conviene.<\/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 con SOL Fiscal\">\n\n  <aside class=\"sf-contact-code__details\" aria-label=\"Datos de contacto 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      En el despacho o por videoconferencia, con cita previa.\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>Hablar con el despacho<\/h3>\n      <p>Los campos marcados con un asterisco son obligatorios.<\/p>\n    <\/div>\n\n    <div class=\"sf-contact-code__grid\">\n\n      <label>\n        <span>Nombre y apellidos <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>Correo electr\u00f3nico <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\u00e9fono <small>opcional<\/small><\/span>\n        <input\n          type=\"tel\"\n          name=\"phone\"\n          autocomplete=\"tel\">\n      <\/label>\n\n      <label>\n        <span>Sociedad o grupo <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>Asunto<\/span>\n      <select name=\"subject\" class=\"sf-contact-subject\">\n        <option value=\"\" selected>Seleccione un asunto<\/option>\n        <option value=\"Diversification et investissements\">Diversificaci\u00f3n e inversiones<\/option>\n        <option value=\"Structure patrimoniale\">Estructura patrimonial<\/option>\n        <option value=\"Relecture d\u2019un projet\">Revisi\u00f3n de un proyecto<\/option>\n        <option value=\"Architecture avec mes conseils\">Coordinaci\u00f3n con mis asesores<\/option>\n        <option value=\"Autre\">Otras consultas<\/option>\n      <\/select>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>\n        Situaci\u00f3n actual y 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        Proyecto previsto y plazo\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>Asesores que ya participan <small>opcional<\/small><\/span>\n      <textarea name=\"advisers\" rows=\"2\"><\/textarea>\n    <\/label>\n\n    <p class=\"sf-contact-code__intro\">\n      Basta con unas l\u00edneas para la primera conversaci\u00f3n. Evite enviar datos bancarios o documentos confidenciales a trav\u00e9s de este formulario. Despu\u00e9s acordaremos un canal adecuado.\n    <\/p>\n\n    <div class=\"sf-contact-code__footer\">\n      <button class=\"sf-contact-code__submit\" type=\"submit\">\n        Presentar mi proyecto\n      <\/button>\n\n      <p class=\"sf-contact-code__privacy\">\n        <a href=\"https:\/\/sol-fiscal.com\/es\/politica-de-privacidad\/\">\n          Pol\u00edtica de privacidad\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      Gracias. Su consulta se ha enviado al despacho. Nos pondremos en contacto con usted para concretar la primera conversaci\u00f3n y la documentaci\u00f3n \u00fatil.\n    <\/template>\n\n    <template class=\"sf-contact-code__error\">\n      No se ha podido enviar su mensaje. 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