Over the past year or so, with Covid-19 restrictions being lifted and impact of Brexit becoming clearer, we...
Latest Financial News for Expats in Spain
The Spectrum IFA Group again co-sponsored an excellent Arts Society de La Frontera lecture on the 18th May...
Removing Confusion on Spain and UK Tax Situation Especially Pensions
It is clear from calls and messages to me from people seeking advice there...
Over the last few years, there have been some well-known IFAs here in Spain advising their clients that...
Life just seems to be getting so much more expensive nowadays. Over the last few years we have seen...
Sustainable & Ethical Investment funds in Spain
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Thank goodness for the Spanish compliant investment bond! It is a very efficient way that we can legitimately avoid...
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In February I wrote about the impact on investments with Russia’s invasion of Ukraine and inflation rearing its...
Ukraine – stockmarkets’ reaction
The Russian invasion of Ukraine on the 24th February shocked the world and the brutal treatment of Ukrainians...
Off the back of the current situation in Ukraine, many of my clients have been asking me what...
What has changed for the Modelo 720?
ITS STILL HERE BUT WHAT´S CHANGED…… We are fast approaching the 2022 deadline to file the Modelo 720. Here we...
International financial planning advisers* to the English speaking expatriate ( expat ) community in Spain.
All our advisers live in Spain, are experienced and qualified.
Our team of advisers is based in and around a number of major centres:
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TAX IN SPAIN
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MOVING TO SPAIN
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INVESTMENT RISK
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ESG INVESTMENTS
Who is The Spectrum IFA Group?
The legal & tax systems in Spain
The synergies achieved by working within a group environment allow our advisers to draw on considerable and varied expertise to enhance the service offered to our clients. Our role is to create and provide financial planning solutions for expatriates and foreign residents in Spain.
Our internationally qualified, professional advisers are readily available to make certain you receive the best possible advice and superb service, bringing you peace of mind for the following areas: Qualifying Recognised Overseas Pension Schemes (QROPS) – Life Insurance Spain – Investment Advice in Spain – Mortgages in Spain – Pension planning in Spain.
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.
Contact The Spectrum IFA Group in Spain
* All financial planning advice is provided using and within Insurance contracts that are highly tax efficient in Spain. Investment Management services within the Insurance Contracts are provided by Investment Management Institutions. Spectrum’s role is to provide the Insurance Intermediation advice and to assist clients in their choice of Investment Management Institution.
The Spectrum IFA Group member, Baskerville Advisers S.L., is an authorised insurance brokerage operating throughout Spain. The Development Director for Spain [based in Barcelona] is Jonathan Goodman.
Tel +34 93 665 8596 Mob +34 609 768 359 jonathan.goodman@spectrum-ifa.com
