French Residency – Dispelling the Myths
French residency is a popular topic of discussion for expatriates when they get together in a social setting....
Latest Financial News for Expats in Europe
Common Reporting Standard – Italy
You will be aware that since January 2016 the Common Reporting Standard has now been in effect. This...
Are taxes in Italy really ‘that’ complicated?
As I walk my son to school in the morning we have the opportunity to walk through the...
I have been asked this question, more than once. Some clients are embarrassed to ask. Others have simply...
New QROPS tax charge for 2017 – Will this change after BREXIT?
In the Spring 2017 Budget, the UK government announced its intention to introduce a new 25% Overseas Transfer...
Tax in Spain can be a matter of opinion
In Spain, there can be a huge difference in what autonomous regions charge for income, capital gains, wealth,...
UK Investments & ISAs – Tax Treatment in Spain
With automatic exchange of financial information between most countries now standard practice, most of us already recognise the...
Taking a Lump Sum from your Pension when Resident in Spain
There are conflicting stories on how much lump sum/one off amount can you take from your pension if...
Is Buy To Let still a good investment?
Given concerns over the effect of Brexit on UK house prices, together with recent changes to the tax...
Living in a foreign country is never easy, but have you thought how complicated it would be for...
As promised, I thought I would follow up with my last article on the complicated issue of trusts,...
This is an introduction to the differences between the UK and Spanish tax systems and an introduction to...
Every year, like many organizations, The Spectrum IFA Group is approached for support from many charities. As a...
Tax relief on Spanish charity donations
When you pay Spanish income tax while residing in Spain, you can qualify for tax relief on any...
Pension Commencement Lump Sum Tax in Spain – How does it work?
There are conflicting stories on how much lump sum/one off amount can you take from your pension if...
The Spectrum IFA Group provides specialist independent financial advice to expatriates across Europe. Our expertise covers Retirement and Pension Planning including QROPS, Life Assurance, Efficient Investing (using Insurance wrappers), Succession and Inheritance Tax Planning, Currency Exchange and much more.
We are here to help
In today’s world of finance one thing is clear, we all have to pay attention to and take great care of our own finances. Spectrum advisers are here to help you, our clients, with the many complex financial and tax issues you are confronted with: retirement and pension planning including QROPS, Life Assurance, efficient investing (using Insurance wrappers), succession and inheritance tax planning, currency exchange and many more. As for most expatriates, these planning issues may exist in more than one country, and we believe working with experienced, qualified, cross border advisers who are themselves expatriates, and therefore facing similar challenges, is really important.
At Spectrum we believe clients should not leave their finances entirely in the hands of a third party, a banker, an investment manager or an adviser. We want our clients to stay involved and work with us to ensure they continue to prosper. We put an emphasis on continued independent financial advice and support with some of our clients having worked with their adviser for more than 15 years. Our commitment to long term business relationships allows us to provide advice and reassurance during the inevitable changes in tax rules, movements in exchange rates and markets.
