The recovery of stock markets cannot be ignored
Apart from the uncertainty of whether or not you will still be able to use your UK bank...
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
If you’re reading this, you may well already own a property in Italy – in which case, you’ll...
Should I transfer my UK Pensions if I’m living in France?
I live in France but have pensions in the UK. Should I transfer them to a QROPS, an...
Are you au fait with Exchange Rates?
Welcome to the sixth edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’. The Covid-19 pandemic is still...
Taxe Foncière – Do you qualify for exemption?
Although it hasn’t felt like it, because we have had such gloriously warm and sunny September, autumn is...
The 21st annual International Investment Awards 2020
International Investment announced six new categories as part of a relaunched...
New registration procedure for residents (TIE)
Well, summer is well and truly over. After a scorching few months, which at times was unbearable, we´re...
How is my UK Pension taxed in Italy?
There is nothing like a cold snap to focus the mind and it certainly arrived with a bang...
Comment prendre sa retraite à 50 ans?
Qui n'a pas rêvé un jour de pouvoir arrêter de travailler avant l'âge légal de la retraite? 50,...
In answer to the question of where do you put your money for maximum tax efficiency, an assurance...
There is more to (investment) life than the FTSE100
Dependence on the UK stockmarket has damaged wealth In the last 5 months, life has not been easy. We...
After the results from the UK's General Election, it seems we are closer to Brexit than ever before,...
Tax break for pensioners moving to Italy
Anyone like the sound of living in Italy and paying only 7% tax? Generally speaking, if you are contemplating...
I´ve been playing around with this article during the past few days, trying to fill in some spare...
UK Inheritance Tax and Spanish Succession Tax
Much has been written and said on this subject, particularly in many of a 19th hole....
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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