The Times They Are a-Changin' (Bob Dylan:1964) With the first three months of the year having seemingly whizzed by,...
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
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...
Big brother is watching… or might be
After the fun and festivities of March (or those that could be had in current circumstances) it’s time...
Are you self employed in Spain – What expenses can you claim?
I find people are not always aware of what they can and can’t claim back as expenses in...
RISK Can you avoid this in financial terms?
Welcome to edition number ten of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
Spanish CGT on UK Principal Residences
New residents in Spain wanting to sell their home in the UK, face a small but perhaps very...
HOW TO INVEST – Stocks – They Don’t Have to be Taxing
In my previous article, I described what stock options are and how they can be utilised by both...
Should I leave money in the bank?
For citizens living in France, assurance vie is known to be one of the safest ways to invest...
Moving to France from the UK: Figuring Out Where You’re a Tax Resident
Is the dream of waking up every day to a breakfast of freshly-baked bagels as you look at...
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...
I’m moving to Spain – When should I take financial advice?
Brexit removed the previous rules pertaining to “Freedom of movement, goods and services within the EU”. Those who...
Investing 101 for Expats Living in France
With today’s economic environment of record low interest rates and high inflation, it’s crucial to understand your investing...
Assurance Vie, an Alternative Way to Save For Your Retirement
Many people are looking for an alternative to setting up a regulated pension for their retirement savings. Whilst...
HOW TO INVEST – What are Stock Options?
More and more people are accumulating new wealth through gaining stock options as part of their remuneration package....
As new investment types become more popular, people generally get in touch with me about them. That is...
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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