Rafael · Money & tax coach
Budgeting, savings, debt, income or taxes: talk to Rafael to make sense of your situation, compare options and prepare your next decisions.
Free account · 5 free minutes · No card
By voice · No bank connection
Start with your situation.
One conversation can connect it all
An everyday question or a more complex decision. Choose your starting point.
01 / Your everyday money
Your spending, changing income, repayments or a wish to save. Start in your own words, with the figures you know.
Understand where your money goes.
Organize recurring, variable and one-off expenses to understand what is left.
Identify spending to review while keeping essential needs covered.
Choose an amount that fits your budget and a date to review it.
What you prepareA clearer budget and a savings routine you can adjust.
Prepare for quieter months, too.
Gather essential expenses, due dates and expected income.
Compare a lower-income month with a good month to identify gaps to cover.
Decide how to allocate upcoming income and when to adjust if a payment is late.
What you prepareA flexible budget, payment priorities and a buffer to build.
Get the figures in one place.
List balances, interest rates, repayments and any overdue amounts in one place.
Review costs and due dates alongside essential living expenses.
Organize upcoming dates and questions to verify with creditors or a qualified professional.
What you prepareA view of your debts, priorities to compare and a calendar to follow.
Connect your goal to your circumstances.
Define what you want to fund, its total cost and expenses to anticipate.
Compare your target date with what your budget allows you to set aside.
Break the goal into stages and decide when to review the amount or timeframe.
What you prepareA goal with an amount, a timeframe and milestones to track progress.
A path to build together. Your first conversation is a starting point.
Create my account02 / Prepare for what’s next
A move, a buffer for the unexpected, a goal of your own. Connect what you want to prepare for with what your situation allows today.
Understand your goal, timeframe, risks, fees and access to your money. Questions to explore before choosing, without promised returns or investments executed for you.
Your priorities, at your pace
What you need to live on and commitments to prepare for.
Room to build for quiet months and the unexpected.
A goal, an amount and a timeframe to put in perspective.
Future priorities and questions to explore before investing.
03 / Your business and taxes
How much to pay yourself, what to keep in your business and which deadlines to prepare for? Connect your personal needs with business decisions, then explore your tax questions.
Three things to put in perspective with Rafael.
Your income, your costs and what remains in your business.
Commitments, a buffer and what you want to reinvest.
Your personal needs and ways of paying yourself.
What you can clarify with Rafael
Higher turnover alone doesn’t decide the structure. What matters also includes your profit, what you need to live on and how much you want to reinvest.
Where Rafael would start« Which country do you run your business in? »
Explore further / Companies
An LLC is a legal form. A holding company describes an ownership role. The two are not necessarily alternatives.
LLC / United StatesConsider the entity, its owner and the actual business activity together. The bank account is another part of the picture, with its own facts to establish.
Owing no particular tax does not automatically mean there are no returns to file.
Holding / Group structureA holding company owns shares in other companies. The illustration brings those relationships together: a parent company and the businesses it holds shares in.
Organising activities, reinvesting or preparing to transfer ownership. Explore your goal, then consider whether the requirements and costs fit that purpose.
OwnerHolds shares in the holding company
Holding companyCompany ACompany BYou can talk it through before choosing a structure.
Create my accountExplore further / International
Panama, the Cayman Islands, Turkey or Paraguay. Whether you are exploring an account, a company or a new place to live, start with your goal and your current obligations in Spain, Colombia or your country of residence.
The label ‘tax haven’ only tells part of the story. Each destination raises different questions about residence, business activity and obligations to check.
What should I know before exploring an account in Panama?
Start with who would own the account, where the funds come from and the bank’s requirements. Then review the obligations you retain in your country of residence.
Visit Panama’s banking regulator
What should I understand before considering a structure there?
Define its purpose, who would own it and what it would do. Compare costs, documentation and obligations across the jurisdictions involved.
Read CIMA’s regulatory framework
What changes if I want to live or start a business in Turkey?
Separate permission to reside, permission to work and your tax position. Having the right to live there does not, by itself, determine where or how you are taxed.
Read the official residence permit guide
What should I review before moving to Paraguay?
The immigration route is one part. Your dates, where you will work and the obligations to check when leaving one country and arriving in another also matter.
Visit Paraguay’s immigration authorityYour life may cross borders. The conversation starts with you.
Where you live, where you work and what you want to organise: tell Rafael.
04 / The bigger picture
Your income, personal life and plans are connected. Rafael starts with your experience to help clarify one priority at a time.
Illustrative example.
Not a recording or a client case study.
My business brings in money, but I never know how much I can pay myself and how much to keep aside.
We can start by separating what your business needs from what you need to live on. Is your income regular or does it change each month?
It changes a lot. And I’m saving for a project too.
All right. How much do you need to cover an ordinary month? Then we can look at upcoming commitments and where your project fits.
Your personal needs, your business money and your plans: three things to look at together.
05 / Your first conversation
One specific decision is a good place to start. A complex situation needs more time and further checks.
Create my accountFree account · 5 free minutes · No card
A budget question, a goal, a debt or a tax decision. Start in your own words, with approximate figures.
Rafael helps distinguish what you already know, what is missing and which options to compare.
A fact to gather, a deadline to review or a question to check before deciding.
Before you start
From organizing your money to tax questions: here is how to get started.
Terms and privacyRafael is Soul Club’s virtual money and tax coach. Explore budgeting, savings, debt, income, goals, companies and taxes by voice. He helps organize questions and compare options, without connecting your bank, executing investments or filing returns.
Yes. You do not need a company or substantial wealth. Start with spending, savings, debts or changing income.
No. Start with a question and approximate amounts. Rafael can help identify what to gather. He uses what you share, without connecting your bank account.
You can explore your goals, timeframe, risks and fees. Rafael does not execute investments or guarantee returns. Decisions requiring regulated advice should be checked with a qualified professional.
You can also explore remuneration, structures, tax residence, accounts and cryptoassets. The analysis depends on your situation, the countries and the relevant tax year.
No. He helps you understand and prepare questions. He does not file returns, check legislation live or replace your professional adviser.
Transcription and memory are explained at signup and subject to your consent. Review memory settings and the privacy policy before sharing sensitive information.
Available time and conditions are shown when you start. For an eligible new account, five minutes with your chosen companion allow an introductory conversation, not a complete financial plan. Signup does not activate a subscription.
There is no turnover threshold that fits everyone. Rafael can help compare profit, money you need to withdraw, reinvestment, social contributions and administration costs. The rules for the relevant country and tax year then need checking.
Opening an LLC does not, by itself, remove your obligations as its owner. Your residence, business activity, entity classification and the rules in each country need examining. Owing no particular tax does not automatically mean there are no returns to file.
The number of companies alone doesn’t answer that. Define what you want to organise, which shares would be held and what transactions you expect. Rafael helps frame the comparison without assuming that a more complex structure is better.
Yes. You can explore an account, a company or a move abroad. These are separate decisions: bank acceptance, immigration permission and tax residence each have their own requirements. Rafael helps separate the questions and the points to verify.
You can discuss custody, transactions, income and obligations to check. Not converting to traditional currency, or holding an account abroad, does not settle the tax question. Do not share private keys, account numbers or recovery phrases.
Your first conversation, with Rafael
A money question, a goal or a tax decision. Start with what matters to you today.
Create my accountFree account · 5 free minutes · No card
Explore available plans
