The UK Government on the 1st of September 2019 announced that the UK state pension paid to Brits...
Latest Financial News for Expats in Europe
I was recently with someone whom I have known for quite a while, having met him regularly at...
Pension Transfer from the EU Institutions
The EU Pension Scheme is what is known as a defined benefit/final salary scheme. This means that when...
Investing – Understanding the Importance of Diversification
There’s an old adage “Don’t put all your eggs in one basket”. I think about this every time...
I Thought Retiring Would Be So Much Simpler Than It Is!
When he announced his remarkable UK pension reforms in 2014, the then Chancellor George Osbourne said: “People who have...
Hot investments: It’s time to get creative
Investing needs savvy, like a game of chess. It’s best to make carefully thought through moves so that...
Understanding How Risk Affects Your Portfolio
A crucial step to achieving long term financial security is recognising the importance of (and the relationship between)...
Spain/Gibraltar Tax Treaty – tax residency of individuals
On 4 March 2019, Spain and the UK (acting on behalf of Gibraltar) signed an international agreement on...
Pensions, living and investing in Italy for UK citizens after Brexit
As you well know, a stalemate has developed in the UK and recently claimed the scalp of the...
It was announced last week that Doris Day had passed. She died on May 13, 2019, at the...
“Brexit proof” your investments using a top UK financial institution
If you are living in France, did you know that a certain large, household name UK financial institution offers...
Over the years I’ve helped many clients prepare for retirement. To come up with the best solutions, there...
Qu’est ce que la “Loi Beckham”?
Depuis 2005, le Real Decreto 687/2005, également appelé “loi Beckham” (David Beckham en fut le premier bénéficiaire), permet...
Watch out for your uber-rich neighbours
As the rest of the world is starting to talk more frequently about closing in on the uber-rich...
There are more Christians in China than Italy and the Vatican combined By 2030, China will add...
The Spectrum IFA Group provides specialist independent 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 independent 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.
