Is it really possible to invest wisely, earn solid returns, and avoid unnecessary banks and middlemen? That’s the promise behind Consultoría Baragaño, the Spanish financial advisory firm that’s now launching its services in the United States with the goal of transforming how people manage their money.
Founded by Antonio Romo Baragaño, the firm officially sets up shop in the U.S. this year, bringing with it the same approach that has driven its growth in Spain: clarity, accessibility, and real results. No traditional bank products. No insurance company tie-ins. Just transparent, conflict-free advice designed to help clients make their money work smarter.
A Different Kind of Financial Service for the U.S. Market
Consultoría Baragaño isn’t a bank. It’s not a fund manager. It’s an independent financial advisory firm whose business model relies on commissions paid by vetted investment providers, not fees extracted from clients. That means its recommendations aim to be genuinely in the client’s best interest, not designed to push the highest-margin product.
“We’re used to working with double-digit annual returns,” says founder Antonio Romo Baragaño. “That’s only possible because we avoid traditional banking products, insurance wrappers, and most intermediaries. By cutting out the layers, investments get cleaner and returns get higher for our clients.”
It’s a simple idea—but one that runs counter to the typical experience many investors have: handing their money to a bank, signing paperwork they don’t fully understand, and discovering years later they’ve paid steep fees for disappointing results. Consultoría Baragaño offers the opposite: clear information, tailored planning, and strategies that actually make sense.
From Frustration with Banks to Transparent Advising
The decision to expand to the United States didn’t happen overnight. According to Antonio, the firm saw the same need here that they did back in Spain when they first started: people who feel underserved by their banks, confused about their options, or who find out too late that high fees have quietly eaten away at their returns.
“We’ve all been there. You go to the bank, they sell you a mutual fund or retirement plan with complicated jargon, and you sign. Later you realize it barely grew, while they collected big commissions,” Antonio explains. “That frustration is exactly why Consultoría Baragaño was founded.”
The firm positions itself as a true partner for individual investors. No cookie-cutter products. No one-size-fits-all solutions. Instead, they get to know each client’s goals, risk tolerance, and circumstances to create a personalized plan.
Alternative Investments and Strategic Planning
What do these personalized plans often include? A wide range of investment opportunities outside the standard banking shelves. That can mean factoring, crowdlending, energy projects, or other carefully selected alternative assets. The goal: avoid unnecessary costs, diversify risk smartly, and maximize net returns.
“We’re applying common sense, but with a very rigorous selection process. Not every opportunity is right. We’re picky about quality and completely transparent about risks,” Antonio emphasizes.
But it’s not just about chasing high returns. The firm also offers tax optimization strategies and estate planning advice to ensure clients have a holistic plan for building and preserving their wealth.
Empowering Clients with Knowledge
If there’s one principle Antonio insists on, it’s that informed clients make better decisions. That’s why the firm’s model prioritizes education and clear communication. No jargon meant to impress or intimidate. Every recommendation is explained with real-life examples, in plain language, until the client feels confident.
“Most people don’t need more financial products. They need to truly understand what they’re doing with their money and have a plan that actually suits them,” says Antonio.
This approach has been key to the firm’s success in Spain, where nearly all their growth has come through word of mouth. No big ad campaigns. No flashy promises of guaranteed returns. Just clients who are satisfied enough to recommend them to friends and family.
A Service for Every Budget
Another misconception the firm wants to challenge as it enters the U.S. market is that this kind of personalized financial advising is only for the ultra-wealthy. In fact, many of their existing clients are small business owners, professionals planning for retirement, or families looking to make their savings work harder.
“It’s a myth that you need millions to invest well. The most important thing is having an active mindset and planning for the long term. Our mission is to guide people no matter their starting point,” says Antonio.
Whether someone is taking their first steps in investing or looking to optimize an existing portfolio, the firm adapts its approach to suit them.
Free Financial Education for All
Beyond individual advising, Consultoría Baragaño is committed to improving overall financial literacy. In Spain, they’ve shared free resources on their website and social media, including practical tips and clear explanations of financial concepts. They plan to bring the same approach to the U.S., offering accessible education so anyone can start understanding and taking control of their finances.
“We make so many life-altering decisions without even basic financial education. It leaves people vulnerable. We want to change that, step by step, by helping them understand how money actually works,” Antonio reflects.
A More Honest (and Human) Way to Advise
In a time when inflation erodes savings and trust in banks is wavering, Consultoría Baragaño hopes to fill a gap in the U.S. market: honest, transparent, client-first advising that’s focused on delivering real results.
“Our business only works if the client does well. That’s why our priority is helping them understand every step, make informed decisions, and see real outcomes. We don’t promise miracles. We promise serious work and total commitment,” Antonio concludes.
With its expansion to the United States, Consultoría Baragaño embarks on a new chapter, aiming to help hundreds of Americans transform their relationship with money. Because, as they like to say at the firm, managing your finances wisely shouldn’t be a privilege for a few—it should be a right for everyone.