If you are considering a move to Spain, or have recently arrived, there are a few basic steps...
Latest Financial News for Expats in Europe
Should I make a tax return? If so, why?
By Peter Brooke & Patrick Maflin of Marine Accounts Understanding tax liability is still a big issue for yacht...
The Importance of having a Local Financial Adviser
Moving to another country is one of the biggest decisions that anyone is likely to make, especially to...
Tax threat: the consequences of CRS – The Spanish Situation
Unlike the UK non-dom or the Portuguese non-habituale tax rules, Spain does not have a specific tax offereing...
Spectrum’s Daphne Foulkes appointed to Chair of the European Pensions Institute
Spectrum’s Daphne Foulkes, a board member of FECIF (The European Federation of Financial Intermediaries and Financial Advisers) has...
The current political environment in Italy is one which I find very interesting, notably in how it is...
Retiring & income in retirement
A major part of my role as a Financial Planner involves helping clients move towards retirement and advising...
French Residency – Dispelling the Myths
French residency is a popular topic of discussion for expatriates when they get together in a social setting....
Common Reporting Standard – Italy
You will be aware that since January 2016 the Common Reporting Standard has now been in effect. This...
Are taxes in Italy really ‘that’ complicated?
As I walk my son to school in the morning we have the opportunity to walk through the...
New QROPS tax charge for 2017 – Will this change after BREXIT?
In the Spring 2017 Budget, the UK government announced its intention to introduce a new 25% Overseas Transfer...
I have been asked this question, more than once. Some clients are embarrassed to ask. Others have simply...
Tax in Spain can be a matter of opinion
In Spain, there can be a huge difference in what autonomous regions charge for income, capital gains, wealth,...
UK Investments & ISAs – Tax Treatment in Spain
With automatic exchange of financial information between most countries now standard practice, most of us already recognise the...
Taking a Lump Sum from your Pension when Resident in Spain
There are conflicting stories on how much lump sum/one off amount can you take from your pension if...
The Spectrum IFA Group provides specialist independent 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 independent 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.
