ABOUT · LEADERSHIP
Rubén de Gracia
CEO of Elitelia · Economist · Investor · Financial Commentator
Rubén de Gracia leads Elitelia, a boutique advisory firm helping established businesses and their owners navigate financing, company sales, selected private investments and international tax and ownership decisions.
His experience across entrepreneurship, business development, investment and financial commentary informs an approach that connects decisions inside the company with the owner’s wider capital.
ROLE AT ELITELIA
Connecting business finance, private investments and ownership decisions.
Rubén leads Elitelia’s strategy and participates in selected engagements where several financial, transaction or ownership questions need to be considered together.
01
Corporate Finance
Support for established companies seeking financing and shareholders preparing a partial or full company sale.
02
Private Investments
Selected private-credit, real-estate and direct-investment opportunities assessed through their structure, economics and principal risks.
03
Tax & Structuring
International companies, holdings, tax residency and ownership questions coordinated with appropriately qualified professionals.
For clients, this creates one point of coordination when decisions about the company, accumulated capital and ownership begin to overlap.
WORKING WITH ELITELIA
A clear route from the initial question to a defined scope.
Client work is conducted through Elitelia and the relevant entities and professional partners involved in each engagement. Roles, responsibilities and fees are explained before work begins.
01 · CONTEXT
Clarify the decision
Begin with the objective, relevant facts and the outcome the client is considering.
02 · SCOPE
Define the scope
Identify what Elitelia can support, which specialists may be required and where responsibility sits.
03 · COORDINATION
Coordinate next steps
Organise the information, parties and sequence required to move the matter forward.
BUSINESS AND PERSONAL CAPITAL
Why company and personal capital cannot be considered separately.
As an operating business creates value, decisions about financing, ownership, investment, tax and succession increasingly affect the same owner. These are some of the questions that often need to be considered together.
01 · GROWTH
How should the next stage of growth be financed?
02 · PROFITS
Should accumulated capital remain inside the operating company?
03 · OWNERSHIP
Would a holding structure support the owner’s objectives?
04 · RESIDENCE
What changes if the shareholder genuinely moves country?
05 · EXIT
What should be prepared before part or all of the company is sold?
06 · REINVESTMENT
How should capital be held and evaluated after a distribution or sale?
PROFESSIONAL BACKGROUND
Experience across business building, commercial strategy and capital decisions.
Rubén’s professional background spans entrepreneurship, B2B commercial development, financial education and investment. That progression shapes how Elitelia examines the relationship between an operating business and the capital it creates.
01
Entrepreneurship
First-hand exposure to the commercial and operational decisions involved in building businesses.
02
B2B & Digital Strategy
Consulting, professional positioning, commercial development and transformation projects for business clients.
03
Finance & Investment
A growing focus on how entrepreneurs allocate capital, evaluate risk and plan beyond the operating company.
04
Elitelia
Corporate finance, selected private investments and international ownership coordination brought together for business owners.
MEDIA & PUBLIC COMMENTARY
Making financial and economic questions easier to understand.
01
Economics & Taxation
Tax disputes, salaries, purchasing power and economic policy.
02
Investment & Markets
Financial education, market conditions, assets and valuations.
03
Business & Finance
Company financing, entrepreneurship and commercial decisions.
04
Household Capital
Housing, pensions, inheritance, succession and personal finance.
Public commentary is separate from Elitelia’s client work. Its purpose is to explain general financial and economic issues rather than provide personalised advice.
SELECTED MEDIA
Selected appearances across television and digital media.
Rubén has contributed financial and economic commentary to Spanish television, newspapers and digital publications.
TELEVISION
Antena 3
Y ahora Sonsoles · Economic and tax commentary.
TELEVISION
Cuatro
Economic and financial commentary.
PRESS
EL PAÍS
Economics and financial education.
PRESS
Infobae
Investment, finance, taxation and business topics.
PRESS
THE OBJECTIVE
Economics, investment and asset valuation.
PRESS
El Confidencial
Economics, pensions, business and financial commentary.
PRESS
El Español
Economic commentary and purchasing power.
PRESS
La Voz de Galicia
Taxation, business and financial commentary.
COMMENTARY AREAS
Economics · Business finance · Investment · Taxation · Housing · Pensions · Personal capital
BOOKS & PUBLISHING
Books on personal capital and business development.
PERSONAL FINANCE · 2025
Rico y Libre
Jubílate Joven Trabajando Menos. A book about financial independence, saving, investing and building a more deliberate relationship with money.
ANAYA MULTIMEDIA - 2022
Curso de marketing en LinkedIn
Menos publicidad, más clientes. A practical book on B2B business development, professional positioning and client acquisition through LinkedIn.
@SOYDEGRACIA
Public financial and economic commentary across digital platforms.
Rubén publishes general commentary on investment, markets, taxation, international structuring, business, real estate, pensions, financial independence and personal finance.
SOCIAL
@soydegracia
VIDEO
YouTube
@soydegracia
PROFESSIONAL
Rubén de Gracia
Social-media content is general information and education. It is not personalised investment, legal or tax advice.
PRINCIPLES
Four principles that shape how Elitelia examines complex decisions.
The product, structure, jurisdiction or transaction should follow the objective — not replace it.
01
Start with the objective
Define what the client is actually trying to achieve before discussing a product, entity or tax regime.
02
Look behind the number
Returns, valuations, tax rates and financing costs only become meaningful once their conditions and risks are understood.
03
Keep the owner at the centre
The operating company may be both a source of income and a major component of the owner’s personal capital.
04
Use the right specialists
Coordinate tax, legal, accounting, financing and investment expertise with clearly defined responsibilities.
PUBLIC COMMENTARY & CLIENT ADVISORY
Public information and client work serve different purposes.
Media appearances, articles, videos and social publications provide general information, commentary and financial education.
They do not constitute personalised investment, legal or tax advice. Client work through Elitelia is handled separately according to the defined scope, contracting entity, professional responsibilities and terms of each engagement.
WHO ELITELIA WORKS WITH
For owners facing a material business, capital or ownership decision.
Elitelia works selectively where the size, complexity or cross-border nature of a decision justifies coordinated support.
01
Established Businesses
Companies seeking meaningful financing for growth, acquisitions, investment or refinancing.
02
Shareholders
Owners considering a partial or full company sale and preparing for a confidential process.
03
Eligible Investors
Business owners evaluating selected private-credit, real-estate or direct-investment opportunities.
04
International Entrepreneurs
Owners reviewing companies, holdings, tax residence or cross-border ownership.
CONTACT ELITELIA
Considering financing, a company sale, a private investment or a new ownership structure?
Share the essential context and the outcome you are considering. Elitelia will review your enquiry and contact you to discuss the next steps where we believe we can help.