Excuses that will not fly with the Agenzia delle Entrate You wouldn't believe it, but I started venturing...
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.
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 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.
Latest Financial News for Expats in Europe
French Tax declarations in June – Trusts & Wealth Tax
Oh what a month of May! So despite the old adage of being able to do as we...
New Spanish tax rules for UK ISAs and investment funds
Brexit increases tax woes for UK nationals living in Spain Slowly but surely, the impact of the United Kingdom’s...
More Spanish residents to pay wealth tax
Valencia reduces allowance with more people having to pay the Impuesto Sobre el Patrimonio Further to my article from last...
Inheritance Planning and French Residency
Welcome to the latest edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
The UK tends to rely on income and inheritance taxes to generate revenue, but countries such as Spain...
Tax in France – what needs to be declared
No-one needs reminding that 2020 was a year like no other. Our lives were changed in many ways...
Are you a French tax resident who owns a house in the UK?
UK Property Matters I thought I would write this month about the topic I am asked most frequently about...
The right to make mistakes There is an expression in France which goes “In May, do what pleases you”...
Do you have non-euro based cash deposits?
Inspiration for this article came from a client (they often do) who fell into one of those sneaky...
Property Rental Income in Spain
For a Spanish Resident, property rental income can be incredibly tax efficient It is commonplace to overhear conversations or...
“When the dust settles on Brexit!” has been heard many, many times over recent months and even the...
Why do I need a Financial Adviser?
Top 10 reasons! As 2021 progresses and hopes of a better year than the last increase, I thought I...
The Times They Are a-Changin' (Bob Dylan:1964) With the first three months of the year having seemingly whizzed by,...
HOW TO INVEST – Shares, Equities and Branch 23
This is the third and final in a series of articles where I have talked about holding stock...
BREXIT Proof your Investments
The UK formally left the EU on the 31st January 2020 and there followed a transition period which ended on the 31st December. There are now agreements in place governing various aspects of how the UK and the EU will interact in future. However, financial services were not included in the withdrawal agreement (the ‘trade deal’), so UK based financial advisers and institutions can no longer advise their EU resident clients without also having an appropriately authorised presence in the EU. This is not an issue for The Spectrum IFA Group, since we have always been fully regulated and authorised across the entire EU.
If you live in France, Spain or Luxembourg, did you know that you have access to secure, tax-efficient, locally authorised investment solutions backed by some of the UK’s largest and most well-known financial institutions.
These products, issued from the safety of Dublin, are both EU regulated and highly tax efficient. For example, one of the largest insurance companies in the UK offers a fully French compliant (Dublin based) Assurance Vie. Another offers a Branch 23 product, which is similarly tax efficient in Belgium. Both companies offer tax efficient solutions for Spanish residents.
Even though the UK has left the EU, you can still invest with companies whose names you know and trust, in a tax efficient manner, in the country you now call home.
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