|Phone:||+34 971 696292|
|Mobile:||+34 670 308987|
|Office address:||Ctra.Palma Andratx, 43, Local 26, 07181, Portals Nous, Mallorca|
|Expat since:||Moved to Menorca in 1994 then to Mallorca in 1999|
|Specialist areas:||Financial Planning, Spanish Compliant Investments, Pensions and Estate Planning. Holds the IFS Level 3 Certificate for Financial Advisers (CeFA)|
|Family:||Lives in Bendinat, Mallorca. One son, Tom who grew up in the Balearics and now working with a European Discretionary Management group, based in Port Adriano, Mallorca.
Has a Grandson, Jack who lives in France and holidays in Mallorca.
|Hobbies:||Travelling, Live Music/Concerts, Watching Rugby, Walking, Tai Chi, Reiki, Films, Good Food|
Susan has over 40 years’ experience providing Independent Financial Advice to a wide range of clients in many different circumstances and worked with The Spectrum IFA Group since 2010. Individual financial situations change constantly and so need regular attention and review and she is proud to continue looking after clients who have been with her since the 1980’s as well as meeting the financial needs of newer clients. Having long term associations to ensure clients’ ever-changing needs are met is the part Susan particularly enjoys about her work. Whatever your financial concerns or needs are, Susan can help with considered, personal advice, always aimed at the best possible outcome for financial security and peace of mind.
Susan was founder of the women’s business networking group, LACE (Ladies Alliance of Communication and Enterprise) in Mallorca in 2004. In 1988 she became a member of the Rotary Club of Menorca and later became the first lady member and female President of the Rotary Club International, Calvia, Mallorca, where she has been Treasurer for the last 4 years.
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How can Susan Help You?
- Are you worried about your current financial arrangements?
- Does the current economic climate make you worry about your future financial security?
- Are you concerned about what would happen to your family if you died tomorrow?
How can You Benefit?
Much of our work takes place at the start of the relationship with you. After an initial consultation and “fact-finding” exercise, we prepare a financial plan which includes guidance on tax and investment planning opportunities available to you in your current (or intended) country of residence.
We access the suitability of your existing financial arrangements and where appropriate may propose simple restructuring in favour of locally compliant solutions to optimise tax efficiency.
Implementing the financial plan is just the first step in our advisory process. Our service is based on a commitment to ongoing support and regular review meetings (we suggest at least annually). At these meetings we review your current situation and any changes to your financial circumstances or requirements, which might include revised income needs or how to make the most of an inheritance/gift. We report on your investment holdings, review your attitude to risk, update on relevant regulatory or tax changes, always ensuring that your financial plan is aligned with your current position and expectations for the future.
Investment advice: managing risk and reward
Our investment approach is straightforward and sound. Most clients don’t need to take huge risks with their money, so we don’t either. A crucial step to achieving long term financial security is recognising the importance of (and relationship between) investment risk and return. We focus on implementing an investment strategy which matches your personal objectives and risk profile.
Inheritance tax and estate planning: protecting your assets
When it comes to estate planning, you want to ensure the right funds end up in the right hands at the right time, without paying more tax than is necessary. Without proper planning, cross-border inheritance tax regulations can result in complexity, delays and expense for your intended beneficiaries. We draw on years of in-house experience, together with a trusted professional network, to help you establish flexibility and control over how your estate is eventually distributed.
Monitoring progress toward your goals
One of the most valuable tasks a financial planner can perform is to keep you focused on your personal goals. We’ll do that every year at your review meeting with an easy to follow income and expenditure tool to allow you to make informed decisions.