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John began his career in the Financial Services sector in 1986, working as a “man from the Pru”. Following that, he worked as a Financial Adviser with Royal Life until 1994 when he joined Independent Financial Advisors MLP Ltd. It was here that he developed an understanding of the needs of individual clients, encompassing investment bonds, pensions, mortgages, life assurance and other protection products.

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Radio Interviews with John Hayward

JULY 2021

• The latest effects of Brexit on personal finances
• New Spanish tax rules for UK ISAs and investment funds
• Options restricted on UK pensions
• Spanish capital gains tax on UK property

JANUARY 2021

Recovery of stockmarkets since the Covid outbreak, Investment managers adapting to change, Becoming resident and fiscally resident in Spain, Making the most of UK tax breaks prior to moving to Spain, Receiving qualified investment and financial advice, Advantages and disadvantages of buying property as an investment ,Future for investments and the green economy.

10^th November 2019 – Effect of Brexit on exchange rate, inflationary effects on savings, right to vote in the UK General Election, healthcare and Brexit, registering on the Padron, cautious investing for income, regulation of Baskerville Advisers (part of The Spectrum IFA Group) in Spain.

19th May 2019 – Effects of inflation, dealing with a poor exchange rate and low interest rates, Spanish tax on Premium Bonds and ISAs

2nd December 2018 – Brexit fears, residency, compliant investments, inflation protection, and pension transfers.