Strategic Wealth Migration
& Elite Alpine Residency
Architecting seamless transitions for global citizens, exclusively within the Principality of Andorra.
A boutique advisory for those who entrust their legacy to Andorra.
For over a decade, RelocAnd has guided global investors, founders, and family offices through wealth migration to the Principality — Europe's most exclusive alpine sanctuary and a modern, compliant financial center. One senior interlocutor. Absolute discretion. Flawless execution in every detail.
The Andorran Fiscal Framework — 2026
A framework designed to frame success, not punish it — fully aligned with OECD standards
| Fiscal Category | The 2026 Framework | Wealth Preservation Implication |
|---|---|---|
| PERSONAL INCOME TAX (IRPF) | Capped at 10% — first €24,000 fully exempt; effective 5% on the next €16,000 | Legally retain maximum liquid wealth, far from the 40%+ brackets of neighbouring states |
| CORPORATE TAX (IS) | Flat 10% — Andorran-source dividends to residents entirely tax-exempt | Exceptionally competitive for holding companies and family office structuring |
| WEALTH, INHERITANCE & GIFT TAX | 0% | The ultimate mechanism for trans-generational wealth planning — estates pass to heirs intact |
| VALUE ADDED TAX (IGI) | 4.5% — the lowest on the European continent | Materially reduces the cost of maintaining luxury assets and estates |
| REAL ESTATE CAPITAL GAINS | 15% in year one, declining linearly to 0% after ten years of ownership | Rewards long-term asset holding and strategic portfolio diversification |
| FOREIGN INVESTMENT TAX (IIE) | 3% on a first property, scaling to 10% for multiple acquisitions — Law 3/2024 | Structured acquisitions minimize the burden across a growing portfolio |
Andorra is a full participant in the Common Reporting Standard, adheres to OECD and AML directives, and maintains a growing network of Double Taxation Agreements across Europe and beyond. Cross-border tax optimization through RelocAnd is a globally recognized, fully compliant strategy.
"From our first conversation to the day our children began school, every detail was anticipated. We were never once asked to navigate anything alone."
A representative engagement: for a family with corporate holdings across three jurisdictions, RelocAnd structured the €1M eligible-asset allocation across a diversified portfolio, optimized the corporate framework at Andorra's flat 10%, and executed the secure, climate-controlled transfer of a private automobile collection — alongside residency permits for the family's full domestic staff. Identities remain protected; outcomes do not.
Everything your transition requires.
One senior interlocutor.
Strategic Advisory
Corporate structuring and cross-border tax optimization & wealth preservation — aligning your relocation with business interests, family dynamics, and global tax exposure, in concert with your existing advisors.
Residency & Legal
Securing Premium Residency Rights & Global Mobility under the post-Omnibus framework — clear delineation of passive and active pathways, managed end-to-end by a dedicated relationship manager. You never face the Servei d'Immigració or the AFA alone.
Executive Relocation
White-Glove Executive Logistics & Asset Transport — climate-controlled fine art and wine cellar relocation, exotic automobile collections, private aviation liaison, and turnkey estate preparation before you arrive.
Premium Real Estate
Curated Alpine Estates & Off-Market Access — silent listings in Ordino, La Massana, and Grandvalira, with strategic navigation of the foreign investment tax (3%–10%, Law 3/2024) and access to the 90% rebate for qualifying new construction.
Lifestyle Concierge
Lifestyle Management & VIP Family Office Concierge — elite school placement, CASS and premium private healthcare integration, domestic staff immigration, private Catalan tutors, and introductions to Andorra's most exclusive circles.
- €1,000,000 in eligible Andorran assets, or
- €400,000 into the government Housing Fund (Fons de l'Habitatge)
- €50,000 state contribution + €12,000 per dependent — your exclusive entry premium into one of Europe's safest, most tax-efficient societies
- 90 days annual presence — the ultimate flexible European basecamp
- Andorran company formation with a minimum 34% equity stake
- 183 days annual presence — full leverage of the 10% corporate framework
- €50,000 fee waiver available for digital economy, innovation & high-tech projects
- RelocAnd exclusive: we draft and present your business plan to the Ministry of Economy to secure this exemption
Andorra offers no citizenship by investment — and therein lies its prestige. Residency in the Principality is earned, exclusive, and enduring.
Your Journey to Andorra
Private Strategic Consultation
A discreet, comprehensive needs analysis — aligning the relocation with your business interests, family dynamics, and global tax exposure. Never a generic package.
Due Diligence & Compliance Structuring
Seamless collaboration with your family office, private banks, and international tax counsel — under Andorra's stringent AML framework and the Qualified Data Protection Act (LQPD).
Residency Acquisition
A dedicated relationship manager secures your Premium Residency Rights — you never navigate the Servei d'Immigració or the AFA independently.
Investment Execution
Whether the €1M asset allocation, the €400,000 Housing Fund contribution, or a compliant corporate entity — executed with precision and full transparency.
Lifelong Partnership
Ongoing lifestyle and family office support: renewals, Catalan integration, domestic staff, and multi-generational estate planning. Our engagement does not end at arrival.
RelocAnd does not process paperwork.
We architect transitions. We secure legacies.
—
Founder Portrait
Coming Soon
Silvia Bello
For more than a decade, I have accompanied global families, founders, and their advisors through one of the most consequential decisions of their lives: establishing their future — and their legacy — in Andorra.
Every engagement operates on a single principle: one senior interlocutor, available around the clock, in direct dialogue with your family office, your counsel, and your assistants. No triangle communication. No intermediaries. I oversee every project personally, from the first confidential conversation to long after the move is complete.