Is it better to pay off your mortgage early or save for retirement?
One of the more common and difficult questions to answer for clients, more because emotionally people like to...
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
Buying a property in Portugal | Webinar
Watch the webinar below At the end of July Mark Quinn from The Spectrum IFA Group joined...
UK investments living in Portugal
Can I keep my UK bank accounts, Individual Savings Accounts (ISAs) and other investments? Moving to a new country...
Spain’s Golden and Non-Lucrative Visas
Prior to Brexit, British residents had the freedom to live, work and travel anywhere in the EU, subject...
In this months regular article I'll be discussing three main concerns I've heard from clients recently: Changes to...
Succession planning in Portugal
How to protect your loved ones Death and taxes are the two certainties, but it is surprising how many...
Are you paying too much on your investments?
Paying too much for something is never a good idea! Unless you have been spending all your time either...
Buying a property in Portugal seminar
Are you thinking about buying a property in Portugal? Do you have questions about tax, currency, mortgages, the visa...
Why things really aren’t that bad It might seem rather strange for me to be writing an article with...
Portuguese capital gains tax – changes from Budget 2022
If shares, investments or Portuguese property were acquired before January 1989 there is no capital gains tax on...
Are you thinking of moving to Spain
"Its so nice holidaying here, I’d love to live here all year round…’’ If you are a UK resident...
Investment Property in Portugal
I’m often asked for my opinion on property as an investment, either in Portugal or elsewhere and I...
Are you domicile or non-domicile?
Domicile is often confused with residence, but it is quite distinct The law of domicile is highly complex and...
Markets have fallen recently with concerns over rising inflation and interest rates and the war in Ukraine. In...
Have you completed your tax returns in France?
The tax season is almost over! Those of you living in departments numbered 55 to 976 still have...
Moving on from Brexit
Brexit created a number of well-documented issues for expatriates living in the EU.
Financial planning and wealth management were impacted heavily as the Withdrawal Agreement excluded financial services and specifically the passporting of advisory licences between the UK and EU. This means that many UK based advisers and institutions are no longer able to engage with clients living in the EU.
The Spectrum IFA Group is licensed across the entire EEA and can ensure that your finances are ‘Brexit-proof’, through access to secure, locally authorised, tax-efficient investment solutions.
In countries such as France, Spain, Italy, Luxembourg, Portugal and Malta, you have access to many flexible investment options backed by some of the UK’s largest and most well known financial institutions.
These products, issued from Dublin or Luxembourg, are both EU regulated and highly tax efficient. One of the largest insurance companies in the UK offers a fully French compliant (Dublin based) Assurance Vie. Similarly tax efficient products, designed for expatriates, are available to Italian, Spanish, Portuguese and Maltese residents.
As a result, you can still invest with companies whose names you know and trust, whilst ensuring compliance and tax-efficiency in the country you now call home.
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