The Roadmap

Step 1. Work Out Why, Where, and How.

• Define your Why: Identify the core drivers of your relocation (professional, financial, or personal) and align them with non-negotiable lifestyle goals like schooling, health, and climate.

• Evaluate the Where: Compare potential destinations by weighing practical connectivity and cost against critical fiscal incentives and visa pathways

• Write down your 3 non-negotiables for a dream life.

“Lifestyle-led relocation is only successful when paired with long-term legal and tax planning.”

-Alex Martin, Founder of IPTW

Step 2. Start Tax planning

• Strategic Residency Selection: Identify the ideal visa pathway while accounting for tax residency triggers like the 183-day rule, ensuring all planning is finalized before you arrive.

• A Gateway to Efficiency: Treat residency as a structural tool to access the Beckham Law's 24% flat tax and ring-fence international wealth from the Spanish tax system.

Example:

• Mr. Y (fictitious name for draft) saved over €50,000/year by planning residency timing and tax structures

• 401(k) pensions, overseas dividends, and business income can be sheltered under the right regime

Checklist:

• Are you eligible for Beckham Law?

• Do you have foreign assets to protect?

Step 3. Consider Residency Options

• Nomad Visa: For remote workers with an income of €2,333+/mo and a 1-year

  employment contract

• Non-Lucrative Visa: For passive income earners showing €27,800+ in

  assets or income

• Key Person Visa: For those with job offers in Spain with salaries between

  €40,000 and €55,000

• Entrepreneur Visa: Business plan + €50K–€100K investment into Spain

“Residency is more than paperwork—it’s your gateway to a tax-efficient lifestyle.”

Step 4. Relocate & Rent First

• Strategic Relocation Foundations: Rent first to test your lifestyle while building local credibility for financial approvals and carefully managing your presence to avoid unintentionally triggering tax residency.

• The IPTW Transition Advantage: Access to on-ground support for NIE, insurance, and school enrollment, leveraging proven structures that have saved clients over €100,000 through precise timing.

• Checklist Before You Move

  • Secure your NIE appointment and private health insurance.

  • Finalize a short-term rental contract and a digital tax residency plan.

Step 5. Buy Smart, Not Fast

• Strategic Acquisition: Align purchase timing with tax benefits like the Beckham Law and utilize corporate structures to minimize tax exposure or create clear exit paths.

• Expert Guidance: Work with bilingual advisors and notaries to navigate rental income, capital gains, and wealth tax while ensuring your ownership structure remains strategic.

Strategies: Buying under a company (Spanish SL or foreign holding), optimizing family asset allocation, and evaluating Golden Visa eligibility.

Reminder: A home is personal; its ownership structure should be strategic.

Step 6. Finance & Finalize

• Tailored Financing: Explore Spanish bank mortgages, international private banks for high-net-worth individuals, or cash purchases with equity release options.

• The Completion Process: We manage due diligence, arras contract signing, notary deed execution, and final property registration, including utility and tax setup.

• The IPTW Role: As your legal team, we coordinate banks and notaries while handling pre-planned tax reporting and post-purchase wealth planning from start to finish.

Financing Checklist: EU income/deposit history, Model 720, and local tax declarations.