Top three financial tips for expats living in Spain
Hola This month we are covering the following Hot Topics: UK financial advisers are not...
Latest Financial News for Expats in Spain
Proudly sponsored by The Spectrum IFA Group I was proud to finally make my Racing debut this year, carrying...
New Spanish tax rules for UK ISAs and investment funds
Brexit increases tax woes for UK nationals living in Spain Slowly but surely, the impact of the United Kingdom’s...
More Spanish residents to pay wealth tax
Valencia reduces allowance with more people having to pay the Impuesto Sobre el Patrimonio Further to my article from last...
The UK tends to rely on income and inheritance taxes to generate revenue, but countries such as Spain...
Property Rental Income in Spain
For a Spanish Resident, property rental income can be incredibly tax efficient It is commonplace to overhear conversations or...
The Times They Are a-Changin' (Bob Dylan:1964) With the first three months of the year having seemingly whizzed by,...
Are you self employed in Spain – What expenses can you claim?
I find people are not always aware of what they can and can’t claim back as expenses in...
Spanish CGT on UK Principal Residences
New residents in Spain wanting to sell their home in the UK, face a small but perhaps very...
Spain’s Golden and Non-Lucrative Visas
Prior to Brexit, British residents had the freedom to live, work and travel anywhere in the EU, subject...
I’m moving to Spain – When should I take financial advice?
Brexit removed the previous rules pertaining to “Freedom of movement, goods and services within the EU”. Those who...
As new investment types become more popular, people generally get in touch with me about them. That is...
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
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.
BREXIT Proof Your Investments
The UK formally left the EU on the 31st January 2020 and there followed a transition period which ended on the 31st December. There are now agreements in place governing various aspects of how the UK and the EU will interact in future. However, financial services were not included in the withdrawal agreement (the ‘trade deal’), so UK based financial advisers and institutions can no longer advise their EU resident clients without also having an appropriately authorised presence in the EU. This is not an issue for The Spectrum IFA Group, since we have always been fully regulated and authorised across the entire EU.
If you live in France, Spain or Luxembourg, 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.
Even though the UK has left the EU, you can still invest with companies whose names you know and trust, in a tax efficient manner, 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
