Over the past year or so, with Covid-19 restrictions being lifted and impact of Brexit becoming clearer, we...
Deal or no deal,
are your investments ‘Brexit Proof’ ?
Latest Financial News for Expats in Europe
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...
When to keep ‘unsuitable’ investments
A lot of people contact me believing they cannot keep certain investments. As I said in my article...
When Non-Habitual Residence does NOT work
The nuances of advice part 1 Applying for the Non-Habitual Residence (NHR) scheme is generally considered a ‘no brainer’...
Over the last few years, there have been some well-known IFAs here in Spain advising their clients that...
Investment portfolios | The Principles of Success
The world of investments can be intimidating, even for the most seasoned investor. Here, we will put aside...
5 reasons cash might not be king
In the words of Warren Buffett, “The one thing I will tell you is the worst investment you...
I meet many clients who are originally from the UK and hold Premium Bonds. In this article I...
Bonds – still a low-risk investment?
Are bonds going out of fashion? Bonds, which are fixed income instruments, are probably one of the most popular...
Real Estate vs. Diversified Portfolio
Owning property is important to many people and is probably one of the first goals of young adults...
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
More and more people are contacting me regarding sustainable investments in order to understand the choices available, whether...
“British expats, your financial adviser may well be a bandit!”, this was the title of a 2016 article...
Thank goodness for the Spanish compliant investment bond! It is a very efficient way that we can legitimately avoid...
The Spectrum IFA Group provides 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.
We are here to help
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.
