Javier Rumbo Lorenz--Banco Santander

Former executive at Banco Santander, Banco Popular, and Banco Pastor with almost two decades of experience in traditional Spanish banking. Throughout this journey, I managed personal and private banking client portfolios, advised on savings and investment products, structured long-term wealth planning strategies, and guided clients in adapting to the MiFID II regulatory framework. This direct experience in top-tier institutions is the foundation from which I work today.

In 2024, I founded JP Financial with Pedro Muñoz, an independent financial advisory firm based in Madrid. The model on which JP Financial operates is based on a clear principle: advisors participate in the same products we recommend to our clients. This eliminates the structural conflict of interest found in conventional banking and places transparency at the core of every professional relationship.

I can help you if you need to organize your financial strategy, review an existing savings plan, structure retirement planning, analyze the real risk of your current investments, or understand the implications of the products you have contracted. I also collaborate with companies and management teams that require financial consulting or clear, accessible economic communication without unnecessary technical jargon.

Among the projects I typically manage: comprehensive wealth diagnosis, long-term savings planning, personalized financial risk analysis, consulting for individual investors and companies, and development of client-oriented financial communication strategies.

If you are looking for a profile with proven banking experience, independent judgment, and a working model free of hidden commercial incentives, let's talk.