I´ve been playing around with this article during the past few days, trying to fill in some spare...
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
UK Inheritance Tax and Spanish Succession Tax
Much has been written and said on this subject, particularly in many of a 19th hole....
How to avoid Spanish taxes on your UK property and investments
Being tax resident in Spain is not your choice once you have made the initial decision to...
UK State Pension & Voluntary Contributions
This guide is compiled to help you find out more about...
Investments in the current climate
Welcome to the fourth edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’. Last month we focused on...
Discussing how to deal with “life after death” with loved ones is not an easy topic for most...
What type of recovery do we foresee?
The days are long and sunny and lots of people are looking forward to beginning their life in...
Any change, even a change for the better, is always accompanied by drawbacks and discomforts - Arnold Bennett - Will...
Now as we enter phase 3,are we just beginning to get back to a different version of normality?...
Getting residency in Italy before Brexit
In this E-zine I am going to provide anyone who is still wondering about residency in Italy, before...
What is the point of having money?
The point of having money is personal to you. Looking after your money should always start with your...
7 Good Reasons to Retire in Andalucía
There is currently a noticeable increase in the number of enquiries to estate agents in this area from...
I trust you are all safe and well and enjoying the...
Inheritance Planning & French Residency
Welcome to ‘Spectrum in Occitanie, Finance in Focus’. The Covid-19 pandemic still dominates the news and will inevitably remain...
As a financial adviser, during lockdown I had the luxury of time to keep in touch with clients,...
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.
Download our FREE guides
