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Latest Financial News for Expats in Spain

Financial Advisers in Spain

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:

financial adviser in barcelona
financial adviser in madrid
financial adviser in Costa-blanca
Costa Blanca
financial adviser in costa-del-sol
Costa del Sol
financial adviser in Mallorca
financial adviser in murcia
Your Guide to Tax in Spain 2019/20

Download our FREE Spanish Tax Guide 2019/2020


The Guide to Investment Risk

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Spectrum IFA Guide to investment risk

Who is The Spectrum IFA Group?

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 SpainInvestment Advice in SpainMortgages in Spain – Pension planning 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

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    Deal or no deal, are your investments ‘Brexit Proof’ ?

    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.


    Standiste Lyon