Financial advising · Lisbon
Guidance for people who want their financial life to make sense
Finance MBA · English & Spanish
I help individuals build a financial life that fits their real history, values, and future, one that they can actually stick to.
Personalized financial advising in Lisbon · English & Spanish
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Who this is for
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You want guidance that starts from your actual life story, not a spreadsheet model
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You prefer a calm, honest conversation over high-pressure product pushing
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You value a plan you can live with through market ups and downs, life changes, and evolving goals
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How I guide
Financial decisions are not made on spreadsheets. They are shaped by the lives we have lived.
Your history matters more than any model
Someone who grew up in a financially struggling family often carries a deep need for security. Someone raised in a more solvent household may feel more at ease with risk. Neither is wrong. We never assume that a strategy that worked for someone else will work for you. Your history, your tolerance for uncertainty, and the life you actually want to live matter far more than any model.
Behavioral consistency beats theoretical precision
We are not looking for the mathematically perfect plan. We look for a reasonable one: the plan you can actually stick with when markets fall, life changes, or your priorities shift. A strategy that looks optimal on paper but keeps you awake at night is not optimal at all.
Plans that leave room for life to change
Because people change, we build with flexibility in mind. The goals that feel urgent today may not feel the same in five or ten years. Rigid plans built only around present ambitions often become burdens later. We leave room for new careers, moves, different interests, and evolving definitions of a good life.
In the end, successful financial behavior rests on a few durable principles: spend less than you earn, invest for the long term, avoid catastrophic risks, keep a cash buffer, and choose independence over status. You do not need to predict the future. You simply need a system that can work across many possible futures, and then adapt it carefully to your own reality.
This is not template work. There is no standard recipe. I listen first: to your history with money, your real constraints, and what you actually value. Then we build the systems and habits that fit your life.
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Jose Salazar. His path
I was born into a middle-class household and raised by a single mother and my grandmother. We never had much and we never splurged, but we always had what we needed. Growing up, money was not a daily worry.
A year before I finished university, everything changed. My mother lost her job and the financial responsibility for the household fell on me. I discovered there was a large mortgage and a real possibility of losing the house. That was the moment I had to learn about money, because keeping our home depended on it.
I was fortunate that my employer at the time paid for my Finance MBA. That education gave me the tools to understand loans, mortgages, budgets, savings, and investments. With those tools the situation slowly turned. The house we were at risk of losing became my first rental apartment. It was the first of nine properties that eventually gave me enough safety and bandwidth to leave corporate life and become an entrepreneur in Lisbon.
Nothing about this path was magical. I stuck to saving, investing, and the same ordinary fundamentals, always while holding a regular 9-5 job. No inheritance, no lottery, no sudden windfall. Just consistency with the basics.
Along the way I also learned why so many people struggle with money. It is rarely a lack of information. It is about each person’s relationship with money and whether the plan in front of them actually fits their life, their history, and their real possibilities. There is no universal recipe.
Because of my own path, I can meet people where they are. I listen, I try to understand, and then we build the systems and habits that can create a steadier financial future, one that belongs to them.
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What I offer
In person in Lisbon or virtual
Individuals
Personalized financial guidance focused on clarity, sustainable habits, and a plan you can live with. We start with your history and values, then build practical systems for saving, investing, and decision-making. Available in English or Spanish.
Pricing
€60 per session
Organizations
Conversations and workshops on financial wellbeing, money psychology, and practical decision-making for teams that want to support long-term resilience.
Pricing
Custom formats available after an exploratory conversation
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Let’s talk about your financial path
A real conversation. No pressure. No product pitch.
Schedule a free exploratory callOr send me a message
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How we begin
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Book a free exploratory conversation
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We talk about your current situation, history with money, and what financial independence means to you
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I share a clear picture of how we could work together and what a personalized approach might look like
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If it feels right, we begin, at your pace, with systems you can actually maintain
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Frequently Asked Questions
Who is this for?
People who want financial guidance that starts from their real life story, values, and constraints, not from a generic model or product pitch. It tends to work well for those who prefer calm, thoughtful conversations and a plan they can actually live with over time.
Who is this not for?
Anyone looking for high-pressure sales, product recommendations with commissions, or a purely mathematical “optimal” portfolio that ignores how they feel and behave with money. If you mainly want someone to pick stocks or push specific products, this is probably not the right fit.
Do you sell financial products or earn commissions?
No. I do not sell investment products, insurance, or any financial instruments. My work is guidance and decision support only. There are no commissions or product incentives involved.
What happens in the free exploratory conversation?
We talk about your current situation, your history with money, and what financial independence means to you. I share how we could work together and what a personalized approach might look like. There is no pressure and no product pitch. You decide if it feels right to continue.
How much does it cost and how long is a session?
Individual sessions are €60. A typical session lasts around 60 minutes. We work at your pace: some people start with a few sessions to gain clarity; others prefer ongoing support. We decide together after the exploratory call.
Do you work only in Lisbon or also online?
Both. Sessions are available in person in Lisbon or virtually. Language options are English and Spanish.
What is your background?
I hold a Finance MBA. My own path involved taking full financial responsibility for my family after a sudden job loss, learning the fundamentals the hard way, and eventually building financial stability through consistent saving and investing while working a regular job. That experience shapes how I work with others.
Is this regulated financial advice?
The content and conversations on this site and in our sessions are for general guidance and education. They do not constitute individual investment, tax, or legal advice. I am transparent about the limits of what I offer. If specific regulated advice is required, I can help you understand when to involve the appropriate professionals.
How is your approach different from traditional financial advising?
Most traditional models start with numbers and products. I start with your history, your relationship with money, and the life you actually want to live. We look for a reasonable plan you can stick with through market changes and life shifts, not the theoretically perfect one that keeps you awake at night.
Can you work with couples or families?
Yes, when it makes sense. Many financial decisions are shared. We can discuss the best format during the exploratory conversation.
Do you work with companies or teams?
Yes. I offer conversations and workshops on financial wellbeing, money psychology, and practical decision-making for teams. Formats are custom and defined after an exploratory conversation.
How do we get started?
Book a free exploratory conversation. From there we decide together whether and how to continue.