Receiving a lump sum payment can be exciting, as it is not often that we have the opportunity...
“Brexit proof” your investments using top UK financial institutions
If you are living in France, Spain, Luxembourg or Belgium, did you know that certain large, household name
UK financial institutions offer products locally from Dublin based sister organisations?
These products are both EU regulated and tax efficient in the country where you live.
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 tax efficient in Belgium. Both companies offer a tax efficient solution for Spanish residents.
As a result, should the UK leave the EU, you can still invest with companies whose names you know and trust,
in a tax efficient manner,in the country you call home.
Latest Financial News for Expats in Europe
Arts Society Event – San Roque, Costa del Sol
The Spectrum IFA Group again co-sponsored an excellent Arts Society de La Frontera lecture on 20th March at...
Tips in investing in tough times
When the economy slows down, it is inevitable share prices will take a hit. Such times are never...
2019: Modelo 720 – Reporting time for overseas assets
Time is running out for submitting your Modelo 720 declaration for 2019, the “Overseas Assets Declaration”. The deadline this...
1. Failing to plan I believe the most common mistake is not having any type of financial plan along...
Why is it important to have regular financial reviews?
Finding time in our busy schedules for reviewing our financial position is not always easy; however, here are...
If you have been reading my previous articles, you may have read about tax breaks that are in...
Taxes affecting residents in Italy
Well, before I start this article I thought I should let you know that I am now a...
A NEW ERA FOR INCOME STRATEGIES Income investing has moved into a new dimension. In the past, income-generating strategies...
The best way to start diversifying your portfolio and to blend together the myriad options in a way...
Savings Bank Account Comparison in Spain
The most efficient way of losing money is to keep it in a current account. Many years ago...
Does Qrops or transferring your UK Pension overseas work?
Those people who have a UK private or company pension and are resident outside of the UK, more...
Creating THE Folder – your financial snapshot
It was ten years ago that my wife, son and I (and our golden retriever) had to evacuate...
Putting financial concerns in perspective
Perspective ( /pəˈspɛktɪv/) - To compare something to other things so that it can be accurately and fairly...
The danger of waiting for Brexit
There are many questions that we don´t know the answers to regarding Brexit. There are also questions that...
The Spectrum IFA Group provides specialist 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 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.
