The long and complicated relationship with social charges
Most people accept that when you live in a country you have to pay local taxes. Equally, most...
Latest Financial News for Expats in Europe
BRANCH 23 – Tax Efficient Investment In Belgium
While you are living in Belgium, you have a number of valuable investment options available to you. If...
How Expats Can Consolidate Their UK Pensions
Very often we are contacted by expats who have several different pension schemes, and usually they are scattered...
We are all living longer, and it’s not all good news
When it comes to the way in which we are leading our lives, the world in which we...
The PAYE system – and so it it begins!
Earlier last year I wrote about France’s plans to bring in a PAYE system as from 1st January...
2019 has brought a number of changes to the French tax system. Below is a summary of the...
Récapitulatif sur le MODELO 720
Qu’est-ce que le Modèle 720 ? En 2013, le gouvernement espagnol décide de s’attaquer à la fraude fiscale. Il...
There has been a huge rise in the number of lasting powers of attorney set up as dementia...
Possible effects of Brexit in Spain
At 11pm on March 29, 2019, the United Kingdom will officially leave the European Union. Much has been written...
Le Tour de Finance autumn events
The latest Le Tour De Finance seminar, which was held on the 15th November at the magnificent La...
As someone who has lived and worked in Spain for more than 14 years, and keen to stay...
Arts Society de la Frontera – Costa del Sol, Spain
The Spectrum IFA Group again co-sponsored an excellent Arts Society de la Frontera lecture on 17th October at...
In my family, there are a lot of birthdays at the end of the year and before you...
Le Tour de Finance – Autumn Events
This month saw Le Tour de Finance visit Chateau Val Joanis near Aix-en-Provence and Domaine Gayda near Limoux....
The danger of waiting for Brexit
There are many things that we don´t know the answers to regarding Brexit. There are even questions that...
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.
