Topics:

• Legal and tax structure of annuities in Spain.
• Tax advantages: partial taxation based on age and potential tax deferral.
• Cross-border tax treatment for residents and non-residents.
• When annuities enhance income stability and predictability.
• Reverse mortgage requirements, legal framework, and access to liquidity without income taxation.
• Long-term costs and inheritance impact of reverse mortgages.
• Alternatives if you do not yet own property in Spain.
• Essential legal checks before purchasing property.
• Tax implications at acquisition and proper ownership structuring.
• Common mistakes foreign buyers make and aligning property planning with retirement strategy.

• Pedro Heredia. International Lawyer at Pellicer & Heredia
• Michael Davies from Davies Abogados /Solicitors & Barristerst
• Rafael Ramón Bravo – Independent Financial Advisor & Wealth Manager at MAPFRE Wealth Management

Moderator:

• Ignacio Pellicer. International Lawyer at Pellicer & Heredia