Make more money worth more.

You worked hard to increase your income. Now look at what happens to it.

There is a huge amount of attention given to earning more money and surprisingly little given to what happens once you earn it. If your income increases but your tax bill rises with it, a large part of that additional work never becomes additional wealth.

The same problem exists inside a business. Strong profits are valuable, but the jurisdiction your company operates from has an enormous effect on how much of those profits remain available to you.

Then there is the money you have already kept. If substantial cash is sitting in accounts earning very little, it may be safe and accessible, but it is not doing much for you. This is why we created the 10/10/10 Method™. It changes the conversation from "How much do you earn?" to "How much of it are you actually keeping, and what is that money doing once it is yours?"

The first 10% changes your personal tax position.

Bulgaria has a flat 10% personal income tax rate on the general annual tax base. For somebody coming from a significantly higher-tax country, that difference can fundamentally change how much of their income remains available to save, invest, reinvest into a business or simply enjoy.

We have already worked with clients whose personal tax position moved from rates as high as 45% to 10% after establishing the appropriate Bulgarian structure. That does not happen because somebody signs a Bulgarian residency form. It happens because their actual tax residence changes.

We work through where you currently live, the income you receive, the ties you are leaving behind and how Bulgarian residence needs to be established in your circumstances. Once the structure is in place, you have something far more valuable than a low headline rate: you have a genuine European tax base built around it.

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Your business can benefit too.

Bulgaria also applies a 10% corporation tax rate to taxable company profit. For founders and business owners who can genuinely operate their company from Bulgaria, the difference can be substantial.

Take a Bulgarian company producing €100,000 of taxable profit. At the 10% corporation tax rate, €10,000 is paid in corporate tax and €90,000 remains in the company. If the entire amount is later distributed to an individual shareholder and the standard Bulgarian 5% dividend withholding rate applies, €85,500 remains after Bulgarian corporation and dividend tax — from the original €100,000, still in your hands.

The point is not to create a Bulgarian company on paper and hope for the best. We establish the company around the way the business actually operates so that the structure makes commercial as well as tax sense.

Move my business to Bulgaria →

Then we look at the money you have managed to keep.

This is where the 10/10/10 Method™ goes further than a conventional tax structure. Lowering your tax bill gives you more capital. We then look at whether some of that capital could be working harder.

Selected Georgian GEL term deposits currently offer effective annual interest rates above 10%, with some currently reaching 10.70%. For the right client, that creates an interesting second banking market alongside the accounts they already use.

You do not need to abandon your existing bank and you certainly do not need to put all of your savings into Georgian lari. We help you establish the Georgian banking relationship and decide what role it should play within your wider setup. The higher rates come with GEL currency exposure, so that has to be weighed against the additional interest available. We explain that before money is placed rather than hiding it in small print.

Explore 10%+ Georgian savings →

This is where 10/10/10 becomes powerful.

Think about what changes when you stop looking at each financial decision on its own. Reducing the amount lost to personal tax means more of your income reaches you. Running a profitable business through a 10% corporate environment means more profit remains available inside the structure.

Once more capital is being retained, you have more money available to invest, build another business, buy assets, create a larger financial buffer or place some of it somewhere capable of producing a stronger return. That is the point of 10/10/10. It is not a trick for reducing one bill. It is a structure intended to improve what happens to your money over and over again as you continue to earn.

The more you earn, the more the structure matters.

A poor financial structure can be relatively easy to ignore when the numbers are small. It becomes much harder to ignore as income and profits grow. A few percentage points on a meaningful income can represent tens of thousands of euros every year. Over several years, the difference between money lost unnecessarily and money retained becomes much larger.

That is why the 10/10/10 Method™ tends to appeal to entrepreneurs, investors and internationally mobile professionals who have already proved they can make money. They are not looking for another way to increase their turnover by 5%. They are looking at the money already passing through their hands and asking whether their current structure still makes sense.

What would changing your structure actually mean?

For one of our clients, the change meant moving from a personal tax rate of 45% to 10%. Across Sovereignty Global, we estimate that the structures we have implemented have generated more than €11 million in client tax savings since 2020.

• More than 180 clients since 2020.
• More than 150 Bulgarian companies formed.
• More than 280 banking relationships secured.

Those figures matter because 10/10/10 is not something we created as a theoretical tax model. It grew out of the work we were already doing for people moving their lives, businesses and money internationally.

See our client results →

So, what does 10/10/10 look like for you?

That depends on where you are starting. Someone running a profitable company from the UK has a very different starting position from an investor living in Dubai or a consultant already moving between countries.

We look at your existing tax position and the way you make your money, then work out what would need to change for the 10/10/10 Method™ to work properly. You should know the potential upside before you start restructuring your life or business. That is what the first conversation is for.

Book a ConsultationFree. No documents needed. 30 minutes.

You do not have to do the full 10/10/10 Method™.

For the right client, the complete structure is where 10/10/10 becomes particularly compelling. But it is not an all-or-nothing product. You might already have a tax residence that works well and simply want to move your company into Bulgaria. You may not own a company at all, but want to establish Bulgarian personal tax residency. Or perhaps your tax and business structure is already exactly where you want it and Georgian banking is the part that interests you. We can handle those independently.

10/10/10 is our flagship. It is not everything we do.

Your circumstances might call for something different. Sovereignty Global also handles the wider work that comes with relocating your financial life, from tax planning and residency through to banking, company administration and ongoing support. You may only need one service today and add another later. Or you may have a situation that does not fit neatly into one of our standard products at all.

Explore all Sovereignty Global services →

Why Sovereignty Global?

Because this needs to work after the setup is finished. We have seen what happens when somebody collects a foreign company from one provider, residency advice from another and a bank account from somewhere else. Each individual piece can be perfectly legitimate while the overall arrangement makes very little sense.

Our job is to understand where you are trying to get to financially and build around that. Bulgaria is our core European jurisdiction — we understand the residency process, the tax environment and how companies need to operate once they are established. Where another jurisdiction adds something genuinely useful, such as Georgian banking, we incorporate it for a reason rather than because it gives us another product to sell.