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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.

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

Moving on from Brexit

Brexit created a number of well-documented issues for expatriates living in the EU.

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.

But enough about us… view some of The Spectrum IFA reviews
to see what our existing clients have to say

The Spectrum IFA Group Reviews

Download our FREE guides

The Spectrum IFA Group Tax Guide to France 2021
Tax Efficient Savings & Investments in France
Your Guide to Tax in Spain 2021
Spectrum IFA Guide to investment risk