The Challenge:

Noori, a successful podologist and business owner in Spain, earned a strong income but felt her money was going nowhere. She had unknowingly locked savings into a high-fee life insurance product and carried a deep fear of investing, shaped by childhood money conditioning. On top of that, she worried about securing her two sons’ futures without any clear financial education.

Our Solution:

Through a tailored financial coaching program, we helped Noori rescue her money, rebuild her confidence, and create a long-term plan:

Phase 1 - Product Recovery: Analysed full 86-page life insurance policy revealing 1.7% annual fees, early withdrawal penalties, and market-dependent death benefits. Coordinated with Spanish accountant on tax implications of withdrawals, and executed full principal recovery strategy.

Phase 2 - Mindset Transformation: Addressed childhood money conditioning that linked spending to conditional approval. Reframed money relationship from fear-based to values-based, enabling empowered financial decisions aligned with family goals.

Phase 3 - Investment Education: Designed a low-cost, diversified ETF strategy with an automated system focused on funding her children’s education and future security.

Financial Transformation:

• Recovered full €8,000 principal from predatory life insurance scheme

• Built a secure family emergency fund for peace of mind

• Half a million euros projected in investment returns over a 30-year period for her sons' education

• Eliminated 1.7% annual fees saving thousands in unnecessary costs over time

• Shifted from financial fear to clarity and confidence

Life Impact Beyond Numbers:

• Gained time and peace of mind with her family

• Protected her household from risky investment habits

• Accelerated progress toward her dream of homeownership

• Rebuilt trust in her ability to make sound financial decisions

  
  

  Spanish Tax Optimization:

  • Coordinated with local accountant to ensure tax-efficient investment structure

  • Navigated Spanish investment regulations for any ETF investment implications

    
    

Important Disclosure:

Spanish tax considerations mentioned are for educational purposes only and do not constitute tax advice. Always consult qualified Spanish tax professionals for personal situations.

Here's what Noori had to say:

“I thought this program would be like, ‘put your money in these ETFs, they will make you money.’ But Sanam went beyond this. She made me understand the fundamentals so I could choose the ETFs myself and understand my portfolio properly. She made me realise it’s possible to invest on my own for future financial stability."