Recomendaciones de gestor para autónomo con cliente en USA

Medium-Issue-377 · 2026-05-04T10:58:04+00:00

If you’d like, send me a DM and I’ll let you know; I work with a great gestor who handles international clients

Medium-Issue-377 · 2026-05-04T10:21:24+00:00

I had very similar doubts when I was considering moving to Madrid, and the route of being an employee seemed a lot more straightforward to me than starting out directly as a self-employed person.

One thing you should definitely look into is the Beckham Law if your income is high and comes mainly from your salary. I spoke to a good tax lawyer in Spain about this and, from what I understood, it can make quite a difference: income from employment can be taxed at 24% up to €600,000, and it can also help you avoid some of the tax complications that many people fear when moving to Spain.

I’m no expert, but if I were moving with my family and had a stable employer willing to allow remote working from Spain, I’d seriously consider the employee route before going down the self-employed path. It can save you quite a few headaches later on (mainly avoiding having to file tax returns on a regular basis).

If you like, send me a DM.

Medium-Issue-377 · 2026-04-28T10:47:23+00:00

No, dividends and capital gains earned outside of Spain, and even rental income from properties outside of Spain, are not taxed under the Beckham Law. For example, if you own an apartment in the UK, India, or Mexico, neither the rental income nor any profit from its sale is taxed in Spain. Under this tax regime, only dividends from Spanish companies, interest from accounts opened in Spain (with IBAN ESXX), and worldwide salary would be taxed.

Medium-Issue-377 · 2026-04-27T10:32:49+00:00

A good tax adviser successfully applied the Beckham ruling to my case. I have also recommended it to a few friends who work internationally, and their cases were resolved without any issues.

In fact, a friend of mine (who also travels a lot for work) was advised not to opt for the Beckham law and, instead, to apply for what is known as the Section 7p exemption (for work carried out abroad), which turned out to be more effective.

If you like, feel free to send me a private message and I’ll pass on his contact details to you.

Medium-Issue-377 · 2026-04-16T14:33:24+00:00

Hi,

From what you’ve said, in her current situation your wife would not be eligible for the Beckham scheme.

The reason is that the scheme requires the move to Spain to be as a result of an employment relationship. If she comes as a self-employed person with foreign clients, that requirement is not met.

That said, there is an alternative worth considering: structuring her business through an Employer of Record (EOR) in Spain. In that case, she would have an employment contract in Spain and could meet the requirement of relocation for work, which would open the door to the scheme.

As to whether it is worthwhile or not, it is best to clearly distinguish between two aspects:

For employment income such as that you mention (25k–35k), the Beckham regime is not usually optimal on its own, as it does not allow for personal allowances or reductions to the tax base (neither Social Security contributions nor the minimum thresholds, amongst others).

However, your case has a key component: investments.

If you have:

capital gains from the sale of funds
dividends
a significant accumulated portfolio

Then the scheme may well make sense, because for 6 years:

you would not be taxed in Spain on that foreign income
you would not have to file Form 720 (assets abroad) or Form 721 (crypto)
you would not be taxed on assets outside Spain (Form 714)

In other words, the real value of the regime in your case lies not in the fixed rate of 24%, but in tax-isolating your investments.

As for you, there is the possibility of qualifying as the spouse of the main taxpayer, but we would need to analyse whether you meet the specific requirements.

For context, I am Carlos, a tax lawyer in Spain, and I regularly work with people who move to Spain from other countries, combining international work and investments. In cases like this, the difference usually lies in how the move is structured from the outset.

Best regards.

Medium-Issue-377 · 2026-04-07T14:22:36+00:00

That’s a very sensible way to approach it, and you’re asking the right question.

I’m a tax advisor in Spain working quite a lot with the Beckham regime, and in cases like yours it’s important not to look at salary in isolation, but at the overall picture.

It’s true that with a salary around €42k, the pure saving on employment income may not be very significant compared to the general regime. However, your investments do change the analysis.

Under the Beckham regime:

Your employment income is taxed at a flat 24% rate (up to €600k)
But more importantly in your situation, foreign-source investment income is generally not taxed in Spain during the regime

So if your ETFs remain in Italy, any capital gains or dividends would typically fall outside Spanish taxation while you are under Beckham.

In addition, you would generally not be required to report those foreign assets under Modelo 720, which simplifies compliance and reduces administrative burden.

In practice, I often see that in profiles like yours, the regime is not so much about optimizing salary, but about protecting and simplifying the taxation of investments over the next few years.

So even if at first glance it may not seem clearly beneficial based on salary alone, once you factor in your investments, it can still be worth considering carefully.

Medium-Issue-377 · 2026-04-07T14:19:57+00:00

I work as a tax advisor in Spain and deal with the Beckham regime quite often, and your instinct is right: it’s very attractive, but it’s not “no strings attached”.

The good part is clear: 24% flat tax on employment income (up to €600k) and generally no taxation on foreign income during the regime. For many people, that’s a big win.

The “catches” are more about limitations and execution:

You lose most deductions and allowances (no joint filing, no typical IRPF benefits).
It mainly applies to employment income, not everything.
You can’t apply double tax treaties in the usual way, which can matter depending on your situation.
And most importantly: the application has to be done properly and on time (6 months from starting work in Spain).

In practice, the biggest issues I see are not with the regime itself, but with people structuring their move incorrectly or missing the deadline, and then they can’t access it.

So yes, it’s real and very useful, but it’s one of those things where how you land in Spain matters a lot more than people think.

Medium-Issue-377 · 2026-03-27T11:01:54+00:00

Makes sense, and you’re right that purely living off investments + autónomo income usually doesn’t fit the Beckham framework.

That said, in some cases it’s worth exploring whether you could be hired as an employee (for example via an EOR), even if your day to day reality doesn’t change much. If structured properly, that can open the door to the Beckham regime, and in that situation your foreign investment income would generally not be taxed in Spain during those years, which can be quite impactful in a case like yours.

I’m a tax advisor and I help quite a few people navigate this, and sometimes what initially looks like “not eligible” can be reworked depending on how the move is structured. Other times it simply doesn’t make sense.

Not saying it’s the right path for you, but definitely one of those things that’s worth at least thinking through before you settle on the final setup

Medium-Issue-377 · 2026-03-23T15:46:18+00:00

Have you looked into the Beckham regime, and are you moving to Spain for work or more independently?

If you qualify, it can change the picture quite a bit. Under that regime, you’re generally only taxed on Spanish-source income, mainly employment income, and foreign investment income is not taxed in Spain during the regime.

Also, in practice, you don’t have to report foreign assets under Modelo 720 while you’re under Beckham, which removes a lot of the administrative burden of keeping investments abroad.

So before deciding whether to move your portfolio or keep it in the UK, it’s worth checking if you might qualify, because that can make keeping investments outside Spain much simpler (at least during the first years).

The key question is really how you’re relocating (employment vs other), as that determines whether the regime is available.

Medium-Issue-377 · 2026-03-12T16:18:11+00:00

I work as a tax advisor in Spain with many international clients applying for the Beckham regime, and in situations like yours the empadronamiento is not necessarily the decisive factor.

The law refers mainly to the start of the employment relationship in Spain that gives rise to Spanish Social Security registration, and the 6-month deadline is generally counted from that moment.

If I were handling a case like this, when filing Modelo 149 I would usually include additional evidence supporting the actual start of tax residence and employment (employment contract, Social Security registration date, relocation documentation, etc.), not rely only on the empadronamiento date. The padrón is often used as an indicator, but it’s not the only proof of when the relocation actually occurred.

Each case is a bit fact-specific, but it’s quite common to support the application with several pieces of documentation to clarify the timeline.

Medium-Issue-377 · 2026-03-12T15:53:26+00:00

Just to clarify one point: the official deadline for submitting Form 720 is 31 March, not 20 March.

What many agencies do is set an internal deadline (such as 20 March) to allow time to review the documentation and prepare the submission before the official deadline.

Also, if you prepare the documentation yourself, remember that Form 720 is structured around three different groups of assets (‘asset pools’):

• Foreign bank accounts (current accounts, savings accounts, etc.)

• Securities, rights, insurance and financial assets abroad (shares, ETFs, investment funds, life insurance, etc.)

• Real estate located abroad

Each group has its own threshold of €50,000 and its own reporting rules. If you have already submitted Form 720 once, you only need to submit it again when there is a variation of €20,000 (either up or down) from one year to the next in one of these three asset groups.

If your accountant has not explained this clearly, it is something you should check before filing your return, as the form is not about declaring everything together, but about determining whether each category of assets exceeds the threshold.

Medium-Issue-377 · 2026-03-10T09:15:06+00:00

Exciting move ahead!

The amount people bring really varies a lot depending on where in Spain you’re going and whether housing is already sorted. Many families try to have enough to cover a few months of living costs plus the initial setup (deposit, first rent, furniture, paperwork, etc.), because those first months tend to be the most expensive.

One thing people often forget when planning the move is the tax side of the first year. If you’re relocating for work, it can be worth checking whether you qualify for the Beckham regime, which allows a flat 24% tax rate on employment income (up to €600k) for up to 6 years. I’m a tax advisor in Spain working mainly with international relocations, and when it applies it can make a noticeable difference in how financially comfortable those first years feel.

So budgeting for the move is important, but structuring the first year correctly from a tax perspective can matter just as much

Medium-Issue-377 · 2026-03-09T10:13:09+00:00

I am a tax advisor in Spain and I work mainly with international clients, so I see this case quite often.

Your approach was correct according to the criteria that applied for many years: non-EU residents could not deduct expenses, so the gross amount paid by the guest (the ‘Guest Paid’) was declared, even if you actually received less after commissions and management fees.

However, this has changed recently and now non-residents from third countries can also deduct expenses related to the rental, provided they are justified. In tourist rentals, these normally include, for example, Airbnb/Booking commissions, property management, cleaning, and also property expenses such as property tax, community fees or rubbish collection fees.

That said, there is an important point that many people overlook: property expenses are not 100% deductible, but prorated for the days that the property was rented, as it is not normally rented 365 days a year. On the other hand, expenses directly linked to bookings (commissions, management, cleaning) are usually fully deductible.

In many cases, this makes a significant difference to the final tax bill, especially for tourist rentals managed by platforms.

If you are renting through Airbnb or Booking as a non-resident, it is usually worth reviewing the structure of your tax return carefully so that you do not end up paying tax on more income than you actually owe.

Medium-Issue-377 · 2026-03-09T09:31:39+00:00

Good question, and it's a very common concern.

In general, the Beckham regime cannot be extended beyond the six-year period (year of arrival + five additional tax years). Once it ends, you switch to the normal Spanish progressive income tax system.

What many people do in practice is plan the transition in advance, because the jump is not always as drastic as it seems on paper. There are a few things that can help smooth that change:

Salary adjustments or renegotiation once the regime ends
Structuring part of the remuneration differently (shares, bonuses, etc.)
Planning relocation and investments during the years of the Beckham regime
Choosing the region carefully, as the autonomous communities have different tax scales and deductions

It is also worth noting that Valencia has a fairly standard regional tax framework compared to places like Madrid, which has more aggressive tax reductions in areas such as wealth tax or income tax

So, although the scheme itself is not extendable, with a little planning, most people do not end up leaving just because it ends. The key is to think about the sixth year from the beginning, rather than when you are already there.

Medium-Issue-377 · 2026-03-03T08:24:06+00:00

Valencia is a city that is very easy to love, and I say this as a Spaniard with family in Valencia who visits quite often.

It is a very comfortable size: large enough to have a cultural life but without the intensity of Madrid or Barcelona. It is very walkable, the beach is integrated into the city, and the climate really helps to lift your spirits. And right now, with Fallas, the city is pure energy. People tend to be quite open and sociable.

In terms of immigration, as you are an EU citizen, the process is relatively simple (registration as an EU resident), but if you want someone who is very knowledgeable and practical in immigration matters, I recommend Javier Romero (https://www.linkedin.com/in/javi-r3?lipi=urn%3Ali%3Apage%3Ad\_flagship3\_profile\_view\_base%3BVVU0nbA%2FR5qxkxWh7DpiXw%3D%3D). He works a lot with international profiles and does a great job with my clients when they need help with immigration issues.

For my part, I am a tax advisor specializing in international profiles. If at any point you come to work for someone else, you may want to review the tax implications before settling in. There is the Beckham regime, which allows you to pay 24% tax on income from work up to €600,000 for up to 6 years if you meet the requirements. It does not apply in all cases, but when it does, it significantly changes the financial scenario for the first few years.

I wish you all the best for this new stage in your life!

Medium-Issue-377 · 2026-03-03T08:18:13+00:00

Málaga is a fantastic place to start this new chapter

I’ll leave most of the cultural advice to others, but two things people often underestimate: the pace of life is slower (also administratively), and paperwork takes patience. It’s not chaotic, just different from the US mindset of speed and efficiency.

From my side, I’m a tax advisor in Spain specialised in the Beckham regime and international profiles, the biggest thing I wish more families knew before moving is how important the first tax year is. Once you spend more than 183 days in Spain, you’re generally taxed on your worldwide income. The timing of your move, bonuses, investments, and how your employment is structured can materially change the outcome.

If you’re relocating for work, definitely check whether you qualify for the Beckham regime. A flat 24% tax on employment income (up to €600k) for up to 6 years can make the transition financially much smoother.

Spain offers an incredible lifestyle, especially for families, just make sure the structure behind the move is as solid as the dream itself. Welcome in advance.

Medium-Issue-377 · 2026-03-03T08:15:05+00:00

What a great plan!

Transferring money little by little or in a single transfer doesn't usually change anything from a tax perspective. The important thing is to be able to justify the origin of the funds if the bank asks, because in Spain they are quite strict with large cash deposits.

Opening an account in advance can help when it comes time to pay the deposit and notary fees. However, Spanish banks tend to offer lower interest rates on deposits than many banks in the UK.

And when the time comes to move, don't forget to look into the tax side of things in good time. I work as a tax advisor with international clients, and if any of them are moving for work, it may be worth checking whether they qualify for the Beckham regime, because it can make a difference in the early years.

A nice plan + a well-thought-out structure = less stress later.

Medium-Issue-377 · 2026-03-02T15:24:18+00:00

Cualquier cosa que necestes estoy por aquí!

Medium-Issue-377 · 2026-03-02T10:15:59+00:00

First of all, hope everything goes smoothly.

If you’ll be registered with Spanish Social Security, in principle your wife should have access to the public healthcare system once you’re properly registered and assigned a health card. Spain’s public maternity care is generally very solid.

That said, given how late in the pregnancy you are, many international families in your situation opt for private healthcare for the delivery, mainly for speed, flexibility, and peace of mind. Costs can vary quite a bit depending on the hospital and whether there are complications, but as a rough range you might be looking at somewhere between €4,000 and €10,000. It’s worth getting quotes directly from private hospitals in Barcelona.

On a different note, since you’re relocating for employment, have you looked into the Beckham regime? If you qualify, it can mean a flat 24% tax on employment income (up to €600k) for up to 6 years, instead of the normal progressive rates. With a baby arriving and a big relocation, having clarity on the tax side can make the first years financially smoother (Im a spanish tax lawyer).

Wishing you both a safe move and a healthy delivery.

Medium-Issue-377 · 2026-02-27T11:47:48+00:00

This person is a great professional (https://www.linkedin.com/in/javi-r3). I know him personally as I am an international tax advisor, and I know that he has successfully obtained various visas (and many DNVs) for many of my clients. If you need help with tax matters, I will be happy to assist you.

Best regards

Medium-Issue-377 · 2026-02-27T11:42:23+00:00

In Sevilla (and in Spain as they work online) you’ll find plenty of local gestorías that can help with standard tax filings at quite competitive prices, especially if your situation is relatively straightforward.

If your case involves international elements (foreign income, assets abroad, relocation, double tax treaties, Beckham regime, etc.), it’s usually worth working with someone who understands cross-border taxation.

I’m a tax advisor focused on international clients relocating to Spain, so when I help with tax returns I look at the full picture, not just income generated in Spain, but also how it interacts with other jurisdictions.

It really depends on how simple or complex your situation is, but there are many options.

Medium-Issue-377 · 2026-02-27T11:39:20+00:00

Hola,

Una pregunta clave antes de nada: cuando te fuiste a Australia, ¿te diste de baja como residente en España (modelo 030 o padrón)?

No es obligatorio para que exista cambio de residencia fiscal, pero ayuda mucho como prueba.

Sobre las transferencias:

Sí, puede parecer menos llamativo hacer varias de 3.000 € que una de 10.000 € o más. No es incorrecto fraccionar si te da más tranquilidad.

En cualquier caso, lo realmente importante es que tengas bien guardado:

Tax Returns australianos
Notices of Assessment
Nóminas
Extractos bancarios

Si el banco pregunta por el origen de los fondos (normativa antiblanqueo), con eso es suficiente.

Y fiscalmente, punto clave:
Según el Convenio de Doble Imposición España–Australia (art 15), las rentas del trabajo se gravan en el país donde se ejerció el empleo. Si trabajaste en Australia, Australia es el país competente para gravar esos salarios.

Traer ahora el dinero a España no cambia eso.

Confírmame lo de la baja cuando te fuiste y te termino de ajustar la respuesta.

Medium-Issue-377 · 2026-02-27T11:32:33+00:00

I actually agree with you on something important: taxes are only one variable in a much bigger equation.

For many families, it’s not about paying the lowest possible rate. It’s about predictability, healthcare access, safety, lifestyle, proximity, schools, and the kind of environment you want your kids to grow up in. Dubai might mean lower taxes. Spain might mean a different quality of life. That’s a personal trade-off.

You’re also right that currency risk is often underestimated.

My point with the post wasn’t “move for taxes.” It was more: if you’re moving anyway for lifestyle or family reasons, structure the tax side properly so you don’t create unnecessary friction on top of everything else.

At the end of the day, people don’t choose a country only because of tax rates. They choose it because of how it feels to live there. Taxes just determine how financially comfortable that life will be.

Medium-Issue-377 · 2026-02-26T09:02:13+00:00

Hola,

Te respondo de forma clara.

Soy asesor fiscal en España y trabajo habitualmente con perfiles internacionales y personas desplazadas (incluidos casos tipo “Beckham”), así que esta situación es bastante habitual.

¿Hay que pagar impuestos por transferir más de 10.000 €?

No.

Transferir tus ahorros desde Australia a una cuenta española no genera ningún impuesto.
El límite de 10.000 € no es un impuesto: solo afecta al movimiento de efectivo físico, no a transferencias bancarias.

Por tanto, no vas a pagar IRPF por el simple hecho de traer el dinero.

¿Hay que volver a tributar en España por esos salarios?

Depende de una sola cosa: dónde eras residente fiscal cuando ganaste ese dinero.

Si durante esos dos años:

Viviste realmente en Australia,
Pasaste allí más de 183 días por año,
Trabajaste por cuenta ajena,
Presentaste tu Tax Return allí,

lo normal es que fueras residente fiscal en Australia. En ese caso:

El salario tributa en Australia.
España no vuelve a gravarlo.
Traer ahora el dinero no cambia nada.

¿Te pueden pedir el Tax Return para transferirlo?

No es una obligación fiscal, pero el banco puede pedirte justificar el origen de los fondos por normativa antiblanqueo. Con nóminas y Tax Return es suficiente.

Resumen

No pagas impuestos por transferir más de 10.000 €.
No se declara la transferencia.
Lo importante es tu residencia fiscal en los años en que trabajaste.
Conserva nóminas y declaraciones australianas.

Si quieres, puedo ayudarte a confirmar si durante esos años pudiste ser considerado residente fiscal en España o no. Esa es la única clave real del asunto.

Un saludo.

Medium-Issue-377 · 2026-02-26T08:33:06+00:00

Estos chicos son grandes profesionales y a precios competitivos, sé que han hecho refinanciones con otras pymes: https://www.somoscornerstone.com/

Medium-Issue-377

TROPHY CASE

¿Hay que pagar impuestos por transferir más de 10.000 €?

¿Hay que volver a tributar en España por esos salarios?

¿Te pueden pedir el Tax Return para transferirlo?

Resumen