{"id":1944,"date":"2024-04-12T11:19:53","date_gmt":"2024-04-12T11:19:53","guid":{"rendered":"https:\/\/pjma.es\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/"},"modified":"2025-06-11T09:19:15","modified_gmt":"2025-06-11T09:19:15","slug":"welfare-flexible-remuneration-and-tax-optimisation-schemes","status":"publish","type":"page","link":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/","title":{"rendered":"Welfare, flexible remuneration and tax optimisation schemes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1944\" class=\"elementor elementor-1944 elementor-68\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e1555 e-flex e-con-boxed e-con e-parent\" data-id=\"66e1555\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:12,&quot;url&quot;:&quot;http:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/torres-financieras-scaled.webp&quot;}],&quot;background_slideshow_ken_burns&quot;:&quot;yes&quot;,&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500,&quot;background_slideshow_ken_burns_zoom_direction&quot;:&quot;in&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d306835 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d306835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Social Prevention, tax optimisation schemes and pre-retirement schemes<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e107bb1 e-flex e-con-boxed e-con e-parent\" data-id=\"e107bb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-432d084 elementor-widget elementor-widget-heading\" data-id=\"432d084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">We improve the well-being of your company<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f89b914 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f89b914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Welfare, flexible remuneration, tax optimisation schemes and early retirements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1305775 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1305775\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Corporate social welfare is the actions that a company takes to ensure the well-being of its employees and their families.<\/p><p class=\"p1\">Proper implementation is synonymous with well-being at work and through which companies find the necessary levers to attract and retain the best professionals in the sector.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dce4d86 elementor-widget elementor-widget-spacer\" data-id=\"dce4d86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c86257 e-flex e-con-boxed e-con e-parent\" data-id=\"8c86257\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6cf4e9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e6cf4e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7df8d02 elementor-widget elementor-widget-spacer\" data-id=\"7df8d02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a78d20 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"9a78d20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><font color=\"#C4A63F\">3 blocks of<\/font> solutions<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba6f96b elementor-widget elementor-widget-spacer\" data-id=\"ba6f96b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ad6e45 e-grid e-con-boxed e-con e-child\" data-id=\"4ad6e45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b11b25 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"1b11b25\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3230b0c elementor-widget-divider--view-line_icon elementor-widget-divider--element-align-left elementor-view-default elementor-widget elementor-widget-divider\" data-id=\"3230b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28dda00 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"28dda00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Managers and owners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c460ffb elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"c460ffb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>Protection<\/strong>. The maximum pension paid by the social security for these contingencies is \u20ac3,175.04 gross. Through this solution, companies can guarantee their executives a percentage of their salary in the event of death or disability.  <\/span><\/p>\n<p class=\"p1\"><strong>Alternative remuneration systems<\/strong>. We build schemes that allow you to decide how to receive remuneration. This formula generates control over your personal income tax.  <\/p>\n<p class=\"p1\"><strong>Family protocol for SMEs<\/strong>. We develop the structure that allows the surviving partners to preferentially acquire the shares that the heirs of the deceased would receive and thus anticipate a future problem. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6c6d67 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"d6c6d67\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1be20c1 elementor-widget-divider--view-line_icon elementor-widget-divider--element-align-left elementor-view-default elementor-widget elementor-widget-divider\" data-id=\"1be20c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a26512d elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a26512d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Employees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29536b2 elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"29536b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>Employment Pension Plans and Company Social Welfare Plans<\/strong>. With this measure, companies contribute to mitigating the economic loss that their employees will have when they have to retire. In addition, the contributions are deductible as an expense in the employees&#8217; income tax and personal income tax.  <\/p><p class=\"p1\"><strong> Health Insurance<\/strong>. They increase disposable income through taxation, attract and retain the best talent and help reduce absenteeism. <\/p><p class=\"p1\"><strong>Deferred remuneration systems<\/strong>. Closely linked to rewards for permanence, achievement of objectives or completion of projects. They help to retain talent and offer significant tax savings in IRFP as they are considered irregular income from work (30% reduction).  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57408db e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"57408db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a01031b elementor-widget-divider--view-line_icon elementor-widget-divider--element-align-left elementor-view-default elementor-widget elementor-widget-divider\" data-id=\"a01031b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4880f97 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4880f97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">For companies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6994130 elementor-widget-mobile__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6994130\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>Pre-retirement and workforce restructuring<\/strong>. Through contingency plans you can plan your workforce to optimise financial costs and rejuvenate structures. <\/p><p class=\"p1\"><strong>Cash surpluses<\/strong>. Usually a company&#8217;s investments need to meet 3 basic criteria: Security, Profitability and Liquidity. We help you select the most suitable solution for your needs with a wide portfolio of products.  <\/p><p class=\"p1\"><strong>Regulatory compliance<\/strong>. Most companies are obliged to have externalised commitments set out in collective agreements. <\/p><p class=\"p1\">&#8220;<strong>Key person<\/strong>. It allows companies to have a contingency plan for the death\/disability of a key person in the organisation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c7a47 elementor-widget elementor-widget-spacer\" data-id=\"f1c7a47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9859d0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c9859d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8cdb46 e-flex e-con-boxed e-con e-parent\" data-id=\"f8cdb46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a18d70 e-con-full e-flex e-con e-child\" data-id=\"7a18d70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5da6ea elementor-widget elementor-widget-heading\" data-id=\"d5da6ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-757439b elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"757439b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Have you ever asked yourself these questions?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09040f5 e-con-full e-flex e-con e-child\" data-id=\"09040f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-889c21e elementor-widget elementor-widget-toggle\" data-id=\"889c21e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1431\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1431\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Could I increase the salaries of my employees without incurring higher costs?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1431\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1431\"><p>Affirmative. With a good implementation of a la carte remuneration you can offer your employees the possibility to increase their disposable income without the need for your company to increase costs. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1432\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1432\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">As a manager, are there mechanisms that allow me to reduce the tax impact on my personal income tax return?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1432\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1432\"><p>Indeed, there are different formulas that allow managers to achieve significant savings in their personal income tax. One of the most commonly used are pension commitments, which can also be implemented selectively. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1433\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1433\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">I am having trouble retaining and attracting the best talent to my company - what can I do? <\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1433\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1433\"><p>At PJ&amp;MA we offer you a consultancy service to help you define and implement mechanisms that will help you retain and attract the best talent.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1434\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1434\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I force a worker to retire?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1434\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1434\"><p>Unfortunately, the answer is NO. In Spain, retirement is a right but not an obligation. However, we can help you to set up systems that encourage your employees to retire when they can, according to their contributions.  <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1435\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1435\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How can I offer a dignified exit to an employee who has been with us all his life but is not being able to adapt to the new times?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1435\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1435\"><p>Having to dismiss an employee who has been with a company for many years because he or she has not been able to adapt to the new times is always a very sensitive issue. Unfortunately, many companies opt for dismissal without considering the economic and social consequences for the employee who has given everything. <\/p>\n<p>But&#8230; Can you imagine being able to design a system that would be beneficial for him and for your company? We are talking about early retirement. If you want to know more, do not hesitate to contact us.  <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1436\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1436\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How can making people close to retirement redundant affect the climate in my company?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1436\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1436\"><p>Layoffs are always synonymous with uncertainty, concern and insecurity for employees who remain in the company but if these layoffs occur with people close to retirement generate even more tension in the work climate<br \/>and consequently loss of productivity and high turnover. Would you like to know how to deal with this situation and mitigate these risks? At PJ&amp;MA we have the solution.  <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1437\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1437\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">From an economic point of view, does it make sense for me to implement an early retirement system in my company?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1437\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1437\"><p>In most cases, yes. But in order to be able to advise you correctly it is necessary to carry out a prior study of your company&#8217;s situation. We are here to help you. Contact us and we will explain how.   <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Could I increase the salaries of my employees without incurring higher costs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Affirmative. With a good implementation of a la carte remuneration you can offer your employees the possibility to increase their disposable income without the need for your company to increase costs. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"As a manager, are there mechanisms that allow me to reduce the tax impact on my personal income tax return?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Indeed, there are different formulas that allow managers to achieve significant savings in their personal income tax. One of the most commonly used are pension commitments, which can also be implemented selectively. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"I am having trouble retaining and attracting the best talent to my company - what can I do?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>At PJ&amp;MA we offer you a consultancy service to help you define and implement mechanisms that will help you retain and attract the best talent.<\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Can I force a worker to retire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Unfortunately, the answer is NO. In Spain, retirement is a right but not an obligation. However, we can help you to set up systems that encourage your employees to retire when they can, according to their contributions.  <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"How can I offer a dignified exit to an employee who has been with us all his life but is not being able to adapt to the new times?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Having to dismiss an employee who has been with a company for many years because he or she has not been able to adapt to the new times is always a very sensitive issue. Unfortunately, many companies opt for dismissal without considering the economic and social consequences for the employee who has given everything. <\\\/p>\\n<p>But&#8230; Can you imagine being able to design a system that would be beneficial for him and for your company? We are talking about early retirement. If you want to know more, do not hesitate to contact us.  <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"How can making people close to retirement redundant affect the climate in my company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Layoffs are always synonymous with uncertainty, concern and insecurity for employees who remain in the company but if these layoffs occur with people close to retirement generate even more tension in the work climate<br \\\/>and consequently loss of productivity and high turnover. Would you like to know how to deal with this situation and mitigate these risks? At PJ&amp;MA we have the solution.  <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"From an economic point of view, does it make sense for me to implement an early retirement system in my company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In most cases, yes. But in order to be able to advise you correctly it is necessary to carry out a prior study of your company&#8217;s situation. We are here to help you. Contact us and we will explain how.   <\\\/p>\\n\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dddc110 e-flex e-con-boxed e-con e-parent\" data-id=\"dddc110\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-04f1b3c e-grid animated-fast e-con-boxed elementor-invisible e-con e-child\" data-id=\"04f1b3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;slideInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-59ef850 e-flex e-con-boxed e-con e-child\" data-id=\"59ef850\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb4f0b6 elementor-widget elementor-widget-heading\" data-id=\"eb4f0b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Contact us<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42b46fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"42b46fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Take the first step in planning your financial future. \n<font color=\"#C4A63F\">Contact us today<\/font><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be000e2 elementor-widget elementor-widget-text-editor\" data-id=\"be000e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have any questions or would like more information about our services, please do not hesitate to contact us.<br><br><br> Complete this form and one of our consultants will contact you as soon as possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd86b64 e-flex e-con-boxed e-con e-child\" data-id=\"dd86b64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b454209 elementor-widget elementor-widget-tp-contact-form-7\" data-id=\"b454209\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tp-contact-form-7.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"theplus-contact-form plus-cf7-custom  text-left    after \" >\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f30-p1944-o1\" lang=\"es-ES\" dir=\"ltr\" data-wpcf7-id=\"30\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#wpcf7-f30-p1944-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulario de contacto\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"30\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"es_ES\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f30-p1944-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"1944\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Nombre\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nombre\" value=\"\" type=\"text\" name=\"Nombre\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Apellidos\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Apellidos\" value=\"\" type=\"text\" name=\"Apellidos\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"Email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Telefono\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tel\u00e9fono\" value=\"\" type=\"tel\" name=\"Telefono\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Negocio\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Negocio\" value=\"\" type=\"text\" name=\"Negocio\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Mensaje\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Mensaje\" name=\"Mensaje\"><\/textarea><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Privacidad\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first last\"><label><input type=\"checkbox\" name=\"Privacidad[]\" value=\"He le\u00eddo y acepto la &lt;a href=&quot;\/politica-privacidad&quot;&gt;Pol\u00edtica de Privacidad&lt;\/a&gt;.&nbsp;&nbsp;&nbsp;\" \/><span class=\"wpcf7-list-item-label\">He le\u00eddo y acepto la &lt;a href=&quot;\/politica-privacidad&quot;&gt;Pol\u00edtica de Privacidad&lt;\/a&gt;.&nbsp;&nbsp;&nbsp;<\/span><\/label><\/span><\/span><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar \u2192\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Social Prevention, tax optimisation schemes and pre-retirement schemes We improve the well-being of your company Welfare, flexible remuneration, tax optimisation [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1889,"parent":1934,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1944","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Social Welfare, Remuneration and Tax Optimisation | PJ&amp;MA<\/title>\n<meta name=\"description\" content=\"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Social Welfare, Remuneration and Tax Optimisation | PJ&amp;MA\" \/>\n<meta property=\"og:description\" content=\"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/\" \/>\n<meta property=\"og:site_name\" content=\"PJ&amp;MA\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-11T09:19:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pjma.es\/wp-content\/uploads\/2024\/05\/Asesoria-y-consultoria-financiera-PJMA-3.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"641\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/\",\"url\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/\",\"name\":\"Social Welfare, Remuneration and Tax Optimisation | PJ&MA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Asesoria-y-consultoria-financiera-PJMA-3.webp\",\"datePublished\":\"2024-04-12T11:19:53+00:00\",\"dateModified\":\"2025-06-11T09:19:15+00:00\",\"description\":\"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/#primaryimage\",\"url\":\"https:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Asesoria-y-consultoria-financiera-PJMA-3.webp\",\"contentUrl\":\"https:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Asesoria-y-consultoria-financiera-PJMA-3.webp\",\"width\":960,\"height\":641,\"caption\":\"Asesori\u0301a y consultori\u0301a financiera - PJ&MA 3\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/welfare-flexible-remuneration-and-tax-optimisation-schemes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/pjma.es\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\\\/\\\/pjma.es\\\/en\\\/services\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Welfare, flexible remuneration and tax optimisation schemes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/pjma.es\\\/en\\\/\",\"name\":\"PJ&MA\",\"description\":\"Tu socio estrat\u00e9gico en finanzas, ofrecemos un asesoramiento experto y personalizado para optimizar tu patrimonio y alcanzar tus objetivos financieros\",\"publisher\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pjma.es\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#organization\",\"name\":\"PJ&MA\",\"url\":\"https:\\\/\\\/pjma.es\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/Logotipo-Asesoria-financiera-PJMA.png\",\"contentUrl\":\"https:\\\/\\\/pjma.es\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/Logotipo-Asesoria-financiera-PJMA.png\",\"width\":2854,\"height\":494,\"caption\":\"PJ&MA\"},\"image\":{\"@id\":\"https:\\\/\\\/pjma.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Social Welfare, Remuneration and Tax Optimisation | PJ&MA","description":"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/","og_locale":"en_US","og_type":"article","og_title":"Social Welfare, Remuneration and Tax Optimisation | PJ&MA","og_description":"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.","og_url":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/","og_site_name":"PJ&amp;MA","article_modified_time":"2025-06-11T09:19:15+00:00","og_image":[{"width":960,"height":641,"url":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/05\/Asesoria-y-consultoria-financiera-PJMA-3.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/","url":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/","name":"Social Welfare, Remuneration and Tax Optimisation | PJ&MA","isPartOf":{"@id":"https:\/\/pjma.es\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#primaryimage"},"image":{"@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#primaryimage"},"thumbnailUrl":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/05\/Asesoria-y-consultoria-financiera-PJMA-3.webp","datePublished":"2024-04-12T11:19:53+00:00","dateModified":"2025-06-11T09:19:15+00:00","description":"Discover how our Social Welfare, Flexible Remuneration and Tax Optimisation service can maximise your financial benefits.","breadcrumb":{"@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#primaryimage","url":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/05\/Asesoria-y-consultoria-financiera-PJMA-3.webp","contentUrl":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/05\/Asesoria-y-consultoria-financiera-PJMA-3.webp","width":960,"height":641,"caption":"Asesori\u0301a y consultori\u0301a financiera - PJ&MA 3"},{"@type":"BreadcrumbList","@id":"https:\/\/pjma.es\/en\/services\/welfare-flexible-remuneration-and-tax-optimisation-schemes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/pjma.es\/en\/"},{"@type":"ListItem","position":2,"name":"Services","item":"https:\/\/pjma.es\/en\/services\/"},{"@type":"ListItem","position":3,"name":"Welfare, flexible remuneration and tax optimisation schemes"}]},{"@type":"WebSite","@id":"https:\/\/pjma.es\/en\/#website","url":"https:\/\/pjma.es\/en\/","name":"PJ&MA","description":"Tu socio estrat\u00e9gico en finanzas, ofrecemos un asesoramiento experto y personalizado para optimizar tu patrimonio y alcanzar tus objetivos financieros","publisher":{"@id":"https:\/\/pjma.es\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pjma.es\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/pjma.es\/en\/#organization","name":"PJ&MA","url":"https:\/\/pjma.es\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/pjma.es\/en\/#\/schema\/logo\/image\/","url":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/04\/Logotipo-Asesoria-financiera-PJMA.png","contentUrl":"https:\/\/pjma.es\/wp-content\/uploads\/2024\/04\/Logotipo-Asesoria-financiera-PJMA.png","width":2854,"height":494,"caption":"PJ&MA"},"image":{"@id":"https:\/\/pjma.es\/en\/#\/schema\/logo\/image\/"}}]}},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/pages\/1944","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/comments?post=1944"}],"version-history":[{"count":1,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/pages\/1944\/revisions"}],"predecessor-version":[{"id":1945,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/pages\/1944\/revisions\/1945"}],"up":[{"embeddable":true,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/pages\/1934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/media\/1889"}],"wp:attachment":[{"href":"https:\/\/pjma.es\/en\/wp-json\/wp\/v2\/media?parent=1944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}