The gaze financial full legal advice
Not enough to have the legal reason: there is that to translate into economic decisions that are right. Why join the legal advice of a financial picture to practice on savings, mortgages, insurance and wealth.
01
Financial planning, and personal and family protection
Diagnostic of your current situation
We analyse income, expenses, debt, savings and coverage (life, disability, and dependence) to get a real x-ray before proposing any solution.
Savings Plan with goal and period
We design your savings plan according to your time horizon and risk profile, selecting the right product, and discarding the comfort commercial.
Protection of the family
We look to see if your life cover, disability, or serious disease is enough for that, faced with an unforeseen event, his family also has an economic problem added to the staff.
Periodic review of the plan
The personal situation and the economic environment change; we regularly review the plan to adjust to the new reality without having to take the initiative.
02
Mortgage intermediation
We seek and negotiate between different entities, the mortgage that best fits your capacity to pay and to your project, not the first offer that makes him your usual bank. We compare fixed-rate, variable, and mixed, bindings required, commissions, and insurance partners, so that the total cost of the loan over its life is the decision criterion, not only the initial interest rate.
We also review mortgages already signed to assess whether a subrogation or novation to another entity, or simply a renegotiation with the current bank, you may incur a cost savings relevant, especially if we detect signs of clauses soil or expenses improperly charged, in which case we coordinate your claim with our area of Clauses Soil and Expenses Mortgage.
03
Claims to insurance companies
When an insurer denies, delays unreasonably or underestimates a sinister —home, life, disability, liability or accident—, we review the policy you purchase, the general and special conditions, and the report of the expert of the company to verify if the refusal or the valuation are really justified.
We claim first to the own customer service and the defender of the insured of the company, and if there is no satisfactory answer, we exercise the respective judicial claim, including the surcharge for late payment of the insurer when the delay in the payment of the compensation is not justified.
04
Especialist real estate
Coordinate evaluations in real estate-independent when the valuation of a property is crucial for a procedure: division of inheritance, settlement of marital property, foreclosure, claims to an insurer or disagreement with the appraisal bank for a loan.
An expert opinion of well-informed can be the difference between accepting a valuation unfavorable or defend with technical criteria objectives the actual value of the property to the other party or to the court itself.