Save Thousands in Gift and Inheritance Tax in Spain
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Latest Financial News for Expats in Spain
Modelo 720 Reporting Time – 2020
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A Fundamental Reshaping of Investments
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Advice before you arrive in Spain
For the majority of those who move to a Spain, speaking to a qualified financial planning adviser, who...
The Grim Reaper is not a nice subject, but its finality remains. There are those left behind, alone...
Tip 1 - Maximising your savings - inflation is the killer In the UK, ‘Stealth Taxes’ are the normal...
At Spectrum International Mortgages we do an annual update on the rate development in Spain. We do this...
We now have a new government here in Spain, albeit quite far to the left which could cause...
Tax return and other reporting dates for Spain 2020
Whether you have lived in Spain for a while, or are new and trying to understand when you...
Financial Planning for Business Owners in Barcelona
This is the first in a series of three articles on the challenges of financial planning in your...
After the results from the UK's General Election, it seems we are closer to Brexit than ever before,...
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:
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 – etc.
* 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
Or contact us directly through the form below:
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.
