Save Thousands in Gift and Inheritance Tax in Spain
|In Spain, you can transfer money or other assets to your children or grandchildren during your lifetime, but...
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
Modelo 720 Reporting Time – 2020
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A Fundamental Reshaping of Investments
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An introduction to Switzerland’s savings and investment market
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Arts Society de La Frontera & Spectrum – Costa del Sol
The Spectrum IFA Group again co-sponsored an excellent Arts Society de La Frontera lecture on 19th February at...
Advice before you arrive in Spain
For the majority of those who move to a Spain, speaking to a qualified financial planning adviser, who...
Moving to France – When should I take financial advice?
For the majority of those who move to a France, speaking to a qualified financial adviser, who is...
The Grim Reaper is not a nice subject, but its finality remains. There are those left behind, alone...
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Swiss taxes and various deductions
This document is intended for information purposes only and does not constitute tax advice. The intention is to...
At Spectrum International Mortgages we do an annual update on the rate development in Spain. We do this...
The Spectrum IFA Group Conference 2020 – Athens
This year The Spectrum IFA Group annual conference was held in Athens. I...
We now have a new government here in Spain, albeit quite far to the left which could cause...
Why should I review my finances
Very little has changed in my life during the last 12-18 months; why should I review my finances? When...
Tax return and other reporting dates for Spain 2020
Whether you have lived in Spain for a while, or are new and trying to understand when you...
BREXIT Proof your Investments
The UK left the EU on the 31st January 2020. There follows a transition period which will end on the 31st December 2020. Trading arrangements and citizens’ rights agreements will be negotiated during this time. Until the 31st December 2020 the UK and its citizens are still subject to existing EU benefits, rules and regulations.
However, if you live in France, Spain, Luxembourg or Belgium, 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.
As a result, when the transition period ends (with or without trade agreements), 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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