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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.

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.

How to build income from your investments

How to build income from your investments

Le Tour de Finance arrives in western France

Le Tour de Finance arrives in western France

Can I keep my UK pension as a Portuguese resident?

Can I keep my UK pension as a Portuguese resident?

Living in Italy

Living in Italy

Buying a property in Portugal to acquire a Golden Visa?

Buying a property in Portugal to acquire a Golden Visa?

No more wealth tax in Andalucia

No more wealth tax in Andalucia

Top Tips for expat finances in Spain

Top Tips for expat finances in Spain

At Last, Wealth Tax is abolished in Andalucia

At Last, Wealth Tax is abolished in Andalucia

The challenges faced when Downsizing

The challenges faced when Downsizing

Live webinar – 22nd September – Golden Visa in Portugal

Live webinar – 22nd September – Golden Visa in Portugal

Transferring your pension to a QROP

Transferring your pension to a QROP

Making a Will in Spain

Making a Will in Spain

August update for expats in Spain

August update for expats in Spain

Is it better to pay off your mortgage early or save for retirement?

Is it better to pay off your mortgage early or save for retirement?

Buying a property in Portugal | Webinar

Buying a property in Portugal | Webinar

UK investments living in Portugal

UK investments living in Portugal

Spain’s Golden and Non-Lucrative Visas

Spain’s Golden and Non-Lucrative Visas

Living in Spain after BREXIT

Living in Spain after BREXIT

Succession planning in Portugal

Succession planning in Portugal

Are you paying too much on your investments?

Are you paying too much on your investments?

Buying a property in Portugal seminar

Buying a property in Portugal seminar

Responsible investing and ESG

Responsible investing and ESG

Portuguese capital gains tax – changes from Budget 2022

Portuguese capital gains tax – changes from Budget 2022

Are you thinking of moving to Spain

Are you thinking of moving to Spain

Investment Property in Portugal

Investment Property in Portugal

Are you domicile or non-domicile?

Are you domicile or non-domicile?

Falling investment markets

Falling investment markets

Have you completed your tax returns in France?

Have you completed your tax returns in France?

Spanish Tax on Personal Pensions

Spanish Tax on Personal Pensions

Buying property in Portugal

Buying property in Portugal

Investment management styles

Investment management styles

Spanish Tax Guide 2022

Spanish Tax Guide 2022

Arts Society de La Frontera

Arts Society de La Frontera

Removing Confusion on Spain and UK Tax Situation Especially Pensions

Removing Confusion on Spain and UK Tax Situation Especially Pensions

When to keep ‘unsuitable’ investments

When to keep ‘unsuitable’ investments

When Non-Habitual Residence does NOT work

When Non-Habitual Residence does NOT work

Temporary Annuities in Spain

Temporary Annuities in Spain

Investment portfolios | The Principles of Success

Investment portfolios | The Principles of Success

5 reasons cash might not be king

5 reasons cash might not be king

Premium Bonds in France

Premium Bonds in France

Bonds – still a low-risk investment?

Bonds – still a low-risk investment?

Real Estate vs. Diversified Portfolio

Real Estate vs. Diversified Portfolio

Inflation in Spain

Inflation in Spain

Sustainable & Ethical Investment funds in Spain

Sustainable & Ethical Investment funds in Spain

Financial adviser in Portugal

Financial adviser in Portugal

Saving tax in Spain

Saving tax in Spain

Where am I resident and where should I be paying tax?

Where am I resident and where should I be paying tax?

Measuring investment performance

Measuring investment performance

Wealth Tax in Catalonia

Wealth Tax in Catalonia

Financial planning for women

Financial planning for women

Planning for Non-Habitual Residence | Portugal

Planning for Non-Habitual Residence | Portugal

Difficult questions your financial adviser may not want to answer

Difficult questions your financial adviser may not want to answer

Spanish tax on UK property

Spanish tax on UK property

Moving to Portugal post Brexit | Visa options for UK nationals

Moving to Portugal post Brexit | Visa options for UK nationals

Planning for Non-Habitual Residence in Portugal

Planning for Non-Habitual Residence in Portugal

Ukraine – stockmarkets’ reaction

Ukraine – stockmarkets’ reaction

Investing During War Times

Investing During War Times

What has changed for the Modelo 720?

What has changed for the Modelo 720?

Do you need to submit a Modelo 720?

Do you need to submit a Modelo 720?

Real estate in Malta

Real estate in Malta

The importance of retirement planning

The importance of retirement planning

Investing as a resident of Portugal

Investing as a resident of Portugal

How do I make my cash work harder?

How do I make my cash work harder?

Claiming your UK State Pension whilst living in Spain/EEA

Claiming your UK State Pension whilst living in Spain/EEA

What is a good investment return?

What is a good investment return?

ESG funds and green gardening

ESG funds and green gardening

How are my savings and investments taxed as a Portuguese resident?

How are my savings and investments taxed as a Portuguese resident?

Italian financial update

Italian financial update

Trusts and their treatment in Portugal

Trusts and their treatment in Portugal

ESG – How to invest ethically

ESG – How to invest ethically

Modelo 720 – the end of late filing fees?

Modelo 720 – the end of late filing fees?

How to reduce your taxes in Spain (legitimately!)

How to reduce your taxes in Spain (legitimately!)

Is there tax relief in Portugal if I am downsizing my home?

Is there tax relief in Portugal if I am downsizing my home?

Inheritance tax living in Catalonia, Spain

Inheritance tax living in Catalonia, Spain

Irish Pensions Transfers | What are your options?

Irish Pensions Transfers | What are your options?

Arts Society de La Frontera ‘Live’

Arts Society de La Frontera ‘Live’

ESG – Responsible Investing

ESG – Responsible Investing

Investment performance and reliability

Investment performance and reliability

How do I deal with inflation?

How do I deal with inflation?

Investment options

Investment options

Selling a property in Portugal | Tax relief

Selling a property in Portugal | Tax relief

Investment diversification

Investment diversification

I want to sell my property in Portugal | How much tax do I have to pay?

I want to sell my property in Portugal | How much tax do I have to pay?

Cryptocurrency versus Regulated Funds

Cryptocurrency versus Regulated Funds

Expat financial advice in Portugal

Expat financial advice in Portugal

Your Financial Health Check 2022

Your Financial Health Check 2022

A Financial adviser in Italy

A Financial adviser in Italy

Do I need a financial adviser?

Do I need a financial adviser?

Tax efficient savings in Portugal

Tax efficient savings in Portugal

Interest rates and Inflation

Interest rates and Inflation

Moving to Portugal | Visa Options

Moving to Portugal | Visa Options

With Care You Prosper

With Care You Prosper

How do I know if I am Portuguese tax resident?

How do I know if I am Portuguese tax resident?

Inflation in Italy

Inflation in Italy

Income Tax Brackets Italy 2022

Income Tax Brackets Italy 2022

Transferring Irish Pensions Abroad

Transferring Irish Pensions Abroad

I’m an Expat in Portugal – where do I pay tax?

I’m an Expat in Portugal – where do I pay tax?

Pension scams – what you need to know

Pension scams – what you need to know

Bad experiences with financial advice

Bad experiences with financial advice

Inflation: food for thought

Inflation: food for thought

How is my pension taxed in Portugal?

How is my pension taxed in Portugal?

Non-Habitual Residency in Portugal

Non-Habitual Residency in Portugal

Do I need a different Will as an expat living in Italy?

Do I need a different Will as an expat living in Italy?

Can I keep my UK ISA living in Spain?

Can I keep my UK ISA living in Spain?

Trust not Trusts

Gift tax in Spain

Gift tax in Spain

Holiday rental owners in Italy

Holiday rental owners in Italy

Investment bonds in Italy

Investment bonds in Italy

Market volatility

Market volatility

Tax Efficient Investments Malta

Tax Efficient Investments Malta

Italy – 300,000 tax disputes, trusts and 7% tax regime

Italy – 300,000 tax disputes, trusts and 7% tax regime

Working Life vs Life Savings When Living in Spain

Working Life vs Life Savings When Living in Spain

Inheritance issues in France

Inheritance issues in France

Minimising exposure to tax in Spain

Minimising exposure to tax in Spain

The Spectrum IFA opens it’s Malta office

The Spectrum IFA opens it’s Malta office

Tax & Pensions in Italy

Tax & Pensions in Italy

UK pensions and tax treatment in France

UK pensions and tax treatment in France

Understanding inflation

Understanding inflation

UK tax rebates in Spain

UK tax rebates in Spain

Smart Banking

Smart Banking

Reflecting on estate planning

Reflecting on estate planning

Investing in China

Investing in China

The cryptocurrency revolution

The cryptocurrency revolution

The tax and legal systems in France

The tax and legal systems in France

Top three financial tips for expats living in Spain

Top three financial tips for expats living in Spain

Back at the races in Monza

Back at the races in Monza

Moving to Italy and the average cost of living

Moving to Italy and the average cost of living

Are you moving to Italy?

Are you moving to Italy?

Tax Reporting in Italy

French Tax declarations in June – Trusts & Wealth Tax

French Tax declarations in June – Trusts & Wealth Tax

New Spanish tax rules for UK ISAs and investment funds

New Spanish tax rules for UK ISAs and investment funds

More Spanish residents to pay wealth tax

More Spanish residents to pay wealth tax

Inheritance Planning and French Residency

Inheritance Planning and French Residency

Wealth Tax in Spain

Wealth Tax in Spain

Tax in France – what needs to be declared

Tax in France – what needs to be declared

Are you a French tax resident who owns a house in the UK?

Are you a French tax resident who owns a house in the UK?

French Tax Returns 2021

French Tax Returns 2021

Do you have non-euro based cash deposits?

Do you have non-euro based cash deposits?

Spring cleaning your finances

Spring cleaning your finances

Why do I need a Financial Adviser?

Why do I need a Financial Adviser?

Taxes in Spain after BREXIT

Taxes in Spain after BREXIT

HOW TO INVEST – Shares, Equities and Branch 23

HOW TO INVEST – Shares, Equities and Branch 23

Big brother is watching… or might be

Big brother is watching… or might be

Are you self employed in Spain – What expenses can you claim?

RISK Can you avoid this in financial terms?

RISK Can you avoid this in financial terms?

Spanish CGT on UK Principal Residences

Spanish CGT on UK Principal Residences

HOW TO INVEST – Stocks – They Don’t Have to be Taxing

HOW TO INVEST – Stocks – They Don’t Have to be Taxing

Should I leave money in the bank?

Should I leave money in the bank?

Moving to France from the UK: Figuring Out Where You’re a Tax Resident

Moving to France from the UK: Figuring Out Where You’re a Tax Resident

Spain’s Golden and Non-Lucrative Visas

Spain’s Golden and Non-Lucrative Visas

I’m moving to Spain – When should I take financial advice?

I’m moving to Spain – When should I take financial advice?

Investing 101 for Expats Living in France

Investing 101 for Expats Living in France

Assurance Vie, an Alternative Way to Save For Your Retirement

HOW TO INVEST – What are Stock Options?

Cryptocurrency Taxes in Spain

Cryptocurrency Taxes in Spain

Time not timing – investing for the long term

Time not timing – investing for the long term

Is your money safe under the mattress?

Is your money safe under the mattress?

Your Expat Guide to Pension Planning

Your Expat Guide to Pension Planning

Beyond Brexit… What comes next ?

Beyond Brexit… What comes next ?

UK pensions and investments after BREXIT

UK pensions and investments after BREXIT

Fund managers, ethics, green issues and sustainability

Fund managers, ethics, green issues and sustainability

How safe is my cash?

How safe is my cash?

Prochaines échéances fiscales et guide 2021 des impôts en Espagne

Prochaines échéances fiscales et guide 2021 des impôts en Espagne

New Spanish bank charges post-Brexit

Do you have overseas assets and are living in Italy?

Cash is King?

Cash is King?

Is it necessary to have a Spanish will and a British will?

Is it necessary to have a Spanish will and a British will?

Domicile re-visited – has Brexit had an impact?

Domicile re-visited – has Brexit had an impact?

Document pour mieux préparer son décès

Document pour mieux préparer son décès

Do you have investments in the UK?

Currency Exchange and the benefits of using a specialist provider

Currency Exchange and the benefits of using a specialist provider

Financial and Retirement Planning – Cash flow Modelling

Financial and Retirement Planning – Cash flow Modelling

UK pension consolidation living in Spain

Top 3 Financial questions after BREXIT

Top 3 Financial questions after BREXIT

Understanding Italian tax legislation

Bitcoin in your investment portfolio – what is Bitcoin, how to use it and what it will do

Form D6, Modelo 720, Declaracion de la Renta and Wealth Tax reporting dates

Form D6, Modelo 720, Declaracion de la Renta and Wealth Tax reporting dates

Are you and your investments adapting to change?

Are you and your investments adapting to change?

Are you a UK IFA with Clients Living in Italy ?

Are you a UK IFA with Clients Living in Italy ?

What’s the story with ESG investing and what can it do for your savings?

What’s the story with ESG investing and what can it do for your savings?

Spanish private pensions

Spanish private pensions

Banks, Bonds and Badwill

Banks, Bonds and Badwill

Looking back at 2020, looking forward to 2021

Looking back at 2020, looking forward to 2021

UK bank accounts after Brexit

UK bank accounts after Brexit

Are you a UK IFA with Clients Living in Europe ?

Are you a UK IFA with Clients Living in Europe ?

Est-il préférable de rembourser votre prêt ou d’investir?

Est-il préférable de rembourser votre prêt ou d’investir?

We don’t have a crystal ball but we know how to prepare for the unknown

We don’t have a crystal ball but we know how to prepare for the unknown

Investment income taxation in Italy

How much tax do you pay in France?

Do I need a residence permit or driving licence in France?

Do I need a residence permit or driving licence in France?

The recovery of stock markets cannot be ignored

The recovery of stock markets cannot be ignored

Buying Property in Italy

Buying Property in Italy

Should I transfer my UK Pensions if I’m living in France?

Are you au fait with Exchange Rates?

Are you au fait with Exchange Rates?

Taxe Foncière – Do you qualify for exemption?

Taxe Foncière – Do you qualify for exemption?

New registration procedure for residents (TIE)

New registration procedure for residents (TIE)

How is my UK Pension taxed in Italy?

Comment prendre sa retraite à 50 ans?

Comment prendre sa retraite à 50 ans?

Which Assurance Vie is best?

Which Assurance Vie is best?

There is more to (investment) life than the FTSE100

There is more to (investment) life than the FTSE100

Living in Spain after BREXIT

Living in Spain after BREXIT

Tax break for pensioners moving to Italy

The folder…

The folder…

UK Inheritance Tax and Spanish Succession Tax

How to avoid Spanish taxes on your UK property and investments

How to avoid Spanish taxes on your UK property and investments

UK State Pension & Voluntary Contributions

Investments in the current climate

Investments in the current climate

The when I die folder

The when I die folder

What type of recovery do we foresee?

What type of recovery do we foresee?

Are we going to change?

Are we going to change?

Lockdown lessons learnt?

Lockdown lessons learnt?

Getting residency in Italy before Brexit

What is the point of having money?

What is the point of having money?

7 Good Reasons to Retire in Andalucía

7 Good Reasons to Retire in Andalucía

The results are in…

The results are in…

Inheritance Planning & French Residency

Inheritance Planning & French Residency

Who wants to be a millionaire?

Who wants to be a millionaire?

There’s only two things you can be certain of in life…

Moving to Spain & UK pension contributions

Moving to Spain & UK pension contributions

Italian banks – should we be worried?

Italian banks – should we be worried?

The Spectrum IFA Group and Blackden Financial join forces

The Spectrum IFA Group and Blackden Financial join forces

Investing After a Stock Market Crash

Investing After a Stock Market Crash

State Pension Benefits

State Pension Benefits

Tax increases in Spain

Tax increases in Spain

Atypical expat family living in Spain

Atypical expat family living in Spain

Investing for the future

Investing for the future

Investing for the long term

Investing for the long term

Central Banks in Italy

Central Banks in Italy

How long do you wait for things to improve?

How long do you wait for things to improve?

Can we learn from the past?

Can we learn from the past?

Are you staying informed?

Are you staying informed?

Longer Term Perspective

Longer Term Perspective

Life in Lockdown

Life in Lockdown

Health, Wealth and Happiness

Health, Wealth and Happiness

Guardianship for your Children

Guardianship for your Children

Why do we use asset managers?

Why do we use asset managers?

Investment Talk

Difficult times & planning opportunities for investors

Difficult times & planning opportunities for investors

Investments, what should I be doing?

Investments, what should I be doing?

Health before wealth

Health before wealth

The debt situation in Italy

The debt situation in Italy

There’s never been a more important time to speak with your IFA

There’s never been a more important time to speak with your IFA

Take care of yourself

Feeling down about investments?

Feeling down about investments?

How much do I need for a comfortable retirement?

The luxury of your own local financial adviser

The luxury of your own local financial adviser

What to do with investments in a bear market?

What to do with investments in a bear market?

A flight to safety, or an opportunity for investors?

A flight to safety, or an opportunity for investors?

Being prepared for BREXIT in France

Being prepared for BREXIT in France

Stay Safe

Stay Safe

Do I need to declare my UK bank accounts?

Do I need to declare my UK bank accounts?

Stock markets falling, should I sell?

Stock markets falling, should I sell?

Moving to Spain – When should I take financial advice?

Moving to Spain – When should I take financial advice?

Save Thousands in Gift and Inheritance Tax in Spain

Save Thousands in Gift and Inheritance Tax in Spain

Modelo 720 Reporting Time – 2020

Modelo 720 Reporting Time – 2020

An introduction to Switzerland’s savings and investment market

An introduction to Switzerland’s savings and investment market

Arts Society de La Frontera & Spectrum – Costa del Sol

Arts Society de La Frontera & Spectrum – Costa del Sol

Advice before you arrive in Spain

Advice before you arrive in Spain

Moving to France – When should I take financial advice?

Moving to France – When should I take financial advice?

Planning for the Inevitable

Inflation is the killer

Inflation is the killer

Swiss taxes and various deductions

Swiss taxes and various deductions

Mortgage Rates in Spain

Mortgage Rates in Spain

The Spectrum IFA Group Conference 2020 – Athens

The Spectrum IFA Group Conference 2020 – Athens

Inheritance Tax in Catalonia

TAXATION UPDATE IN SPAIN

TAXATION UPDATE IN SPAIN

Why should I review my finances

Why should I review my finances

Financial Planning for Business Owners in Barcelona

Financial Planning for Business Owners in Barcelona

2020, here we come…

2020, here we come…

So what is the outlook for 2020?

So what is the outlook for 2020?

Brexit – What now?

Brexit – What now?

Political shock in the UK

Political shock in the UK

Spanish Succession and Gift Tax boost for non-EU beneficiaries

Spanish Succession and Gift Tax boost for non-EU beneficiaries

Le Tour de Finance  – Autumn 2019

Le Tour de Finance – Autumn 2019

DETRACTIONS FOR INCOME TAX PURPOSES IN ITALY

Sterling after Brexit

Sterling after Brexit

One kind of hangover is enough………

One kind of hangover is enough………

Arts Society de La Frontera event

Arts Society de La Frontera event

Financial Planning Impact of the Spanish Election

Financial Planning Impact of the Spanish Election

UK Pension transfer – most common questions asked

Your right to vote and the risk of doing nothing

Your right to vote and the risk of doing nothing

Is Financial Planning Different for Women?

Is Financial Planning Different for Women?

Professional Women’s Network – Cote d’Azur

Professional Women’s Network – Cote d’Azur

Is this the time to invest and where?

Is this the time to invest and where?

Understanding the Taxe Foncière

Understanding the Taxe Foncière

The Changing Financial World

The Changing Financial World

How to invest – Multi-asset Funds – Investing Made Simpler

How to invest – Multi-asset Funds – Investing Made Simpler

Acheter un appartement à Barcelone : bonne ou mauvaise idée ?

Acheter un appartement à Barcelone : bonne ou mauvaise idée ?

Inheritance Tax in Catalonia

Inheritance Tax in Catalonia

Tax Efficient Savings

Tax Efficient Savings

How to invest – Rebalance Your Investments

How to invest – Rebalance Your Investments

The attack on cash in Italy

The attack on cash in Italy

Tax breaks in Italy

Interest rate outlook and what it means for your investments

Interest rate outlook and what it means for your investments

How to invest – What Is Asset Allocation?

How to invest – What Is Asset Allocation?

Tax Advice in Spain for Expats

Tax Advice in Spain for Expats

UK State Pension for Expats

Spanish Resident Services

Spanish Resident Services

Pension Transfer from the EU Institutions

Pension Transfer from the EU Institutions

Moving to, or living in Spain after Brexit – What do you need to do?

Moving to, or living in Spain after Brexit – What do you need to do?

How to invest -The Importance of Diversification

How to invest -The Importance of Diversification

Tips on Moving to Spain before Brexit

Tips on Moving to Spain before Brexit

I Thought Retiring Would Be So Much Simpler Than It Is!

I Thought Retiring Would Be So Much Simpler Than It Is!

Hot investments: It’s time to get creative

Hot investments: It’s time to get creative

Understanding How Risk Affects Your Portfolio

Understanding How Risk Affects Your Portfolio

Spain/Gibraltar Tax Treaty – tax residency of individuals

Spain/Gibraltar Tax Treaty – tax residency of individuals

Whatever will be, will be

Whatever will be, will be

“Brexit proof” your investments using a top UK financial institution

How to retire like a pro!

How to retire like a pro!

Qu’est ce que la “Loi Beckham”?

Qu’est ce que la “Loi Beckham”?

Watch out for your uber-rich neighbours

Watch out for your uber-rich neighbours

We need to talk about China…

We need to talk about China…

The Spectrum IFA Group: A corporate partner, a generous friend

The Spectrum IFA Group: A corporate partner, a generous friend

Do you know if you are overpaying Spanish tax?

Do you know if you are overpaying Spanish tax?

Inheritance Tax in Catalunya

Inheritance Tax in Catalunya

Taking a Lump Sum from your Pension when Resident in Spain

Taking a Lump Sum from your Pension when Resident in Spain

Are You British, And Have You Recently Become An Official Resident Of Spain?

Are You British, And Have You Recently Become An Official Resident Of Spain?

The Many Benefits of a Financial Adviser

The Many Benefits of a Financial Adviser

Investing – Where do I start?

Investing – Where do I start?

Arts Society Event – San Roque, Costa del Sol

Arts Society Event – San Roque, Costa del Sol

Tips in investing in tough times

Tips in investing in tough times

2019: Modelo 720 – Reporting time for overseas assets

2019: Modelo 720 – Reporting time for overseas assets

Common Investment Mistakes

Common Investment Mistakes

Why is it important to have regular financial reviews?

Why is it important to have regular financial reviews?

New Tax Laws in Italy

Taxes affecting residents in Italy

GUIDE TO GROWING YOUR INCOME

GUIDE TO GROWING YOUR INCOME

The Beckham Law 2019

The Beckham Law 2019

BEWARE: FADS AND FASHIONS

BEWARE: FADS AND FASHIONS

Savings Bank Account Comparison in Spain

Savings Bank Account Comparison in Spain

Does Qrops or transferring your UK Pension overseas work?

Does Qrops or transferring your UK Pension overseas work?

Creating THE Folder – your financial snapshot

Creating THE Folder – your financial snapshot

Putting financial concerns in perspective

Putting financial concerns in perspective

The danger of waiting for Brexit

The danger of waiting for Brexit

Ethical investing – what exactly does it mean?

Modelo 720: Final Date for Submission is 31st March 2019

Modelo 720: Final Date for Submission is 31st March 2019

Creating THE Folder…

10 Rules of Successful Investments

10 Rules of Successful Investments

The long and complicated relationship with social charges

The long and complicated relationship with social charges

BRANCH 23 – Tax Efficient Investment In Belgium

BRANCH 23 – Tax Efficient Investment In Belgium

How Expats Can Consolidate Their UK Pensions

How Expats Can Consolidate Their UK Pensions

We are all living longer, and it’s not all good news

We are all living longer, and it’s not all good news

The PAYE system – and so it it begins!

The PAYE system – and so it it begins!

French Tax Changes 2019

Récapitulatif sur le MODELO 720

Récapitulatif sur le MODELO 720

As a British citizen living in France who can look after my financial affairs if I become incapacitated?

As a British citizen living in France who can look after my financial affairs if I become incapacitated?

Possible effects of Brexit in Spain

Possible effects of Brexit in Spain

BREXIT and our right to remain in Spain

BREXIT and our right to remain in Spain

Le Tour de Finance autumn events

Le Tour de Finance autumn events

Deal or No Deal…?

Deal or No Deal…?

Arts Society de la Frontera – Costa del Sol, Spain

Arts Society de la Frontera – Costa del Sol, Spain

The Gift of Giving

The Gift of Giving

Le Tour de Finance – Autumn Events

Le Tour de Finance – Autumn Events

France’s new PAYE system

France’s new PAYE system

Brexit uncertainty and much more…

Are you thinking of selling your UK property or have you sold one recently?

Le Tour de Finance – Saumur 49400

Le Tour de Finance – Saumur 49400

Next step for the PEPP saga

Exchange of Information – CRS

Exchange of Information – CRS

The French Property Exhibition

The French Property Exhibition

Life assurance investment policies and Brexit

Life assurance investment policies and Brexit

Inheritance Planning in France

Inheritance Planning in France

Are you moving to Spain?

Are you moving to Spain?

Should I make a tax return? If so, why?

Should I make a tax return? If so, why?

The Importance of having a Local Financial Adviser

The Importance of having a Local Financial Adviser

Tax threat: the consequences of CRS – The Spanish Situation

Tax threat: the consequences of CRS – The Spanish Situation

Spectrum’s Daphne Foulkes appointed to Chair of the European Pensions Institute

Spectrum’s Daphne Foulkes appointed to Chair of the European Pensions Institute

All this talk of a flat tax

Retiring & income in retirement

French Residency – Dispelling the Myths

French Residency – Dispelling the Myths

Common Reporting Standard – Italy

Common Reporting Standard – Italy

Are taxes in Italy really ‘that’ complicated?

How Do I Find My Pension?

How Do I Find My Pension?

Tax in Spain can be a matter of opinion

Tax in Spain can be a matter of opinion

UK Investments & ISAs – Tax Treatment in Spain

UK Investments & ISAs – Tax Treatment in Spain

Is Buy To Let still a good investment?

Is Buy To Let still a good investment?

Preparing ‘THE’ folder

Preparing ‘THE’ folder

Tax and Savings in Spain

Tax and Savings in Spain

Hands off my pension!

Hands off my pension!

Tax and Saving in Spain

Tax and Saving in Spain

Corporate Responsibility

Corporate Responsibility

Tax relief on Spanish charity donations

Tax relief on Spanish charity donations

Pension Commencement Lump Sum Tax in Spain – How does it work?

Trust in me!

Trust in me!

French Tax Changes for 2018

Investment Categories

Investment Categories

Pension Healthcheck – Tips and Advice for 2018

Wills for Expats in France

Emotional Challenge

Emotional Challenge

What can I do to minimise any potential impacts of a tough Brexit process?

What can I do to minimise any potential impacts of a tough Brexit process?

Cash Is Not King….

Cash Is Not King….

Will your pension sustain you through retirement?

How do you choose a financial adviser?

How do you choose a financial adviser?

How safe is your UK pension?

How safe is your UK pension?

The European Commission Pension Scheme

The European Commission Pension Scheme

Modelo 720 Reporting

Modelo 720 Reporting

Are you legally here in Spain?

Are you legally here in Spain?

French Tax Changes 2018

IF IN DOUBT, DECLARE THE ACCOUNT

IF IN DOUBT, DECLARE THE ACCOUNT

The ‘Flip side’ of Demographics; a Revolution in the Making?

The ‘Flip side’ of Demographics; a Revolution in the Making?

Brussels Presentation – Should I transfer my pension out of the UK, or not?

How often should I have a financial review?

How often should I have a financial review?

Spectrum sponsored Arts Society de la Frontera

Spectrum sponsored Arts Society de la Frontera

Are you Positioned for the Innovation Revolution?

Are you Positioned for the Innovation Revolution?

Trusts – and French residency

Trusts – and French residency

Good News for Premium Bond Holders

Good News for Premium Bond Holders

Taper Relief on Capital Gains from the Sale of Shares

Taper Relief on Capital Gains from the Sale of Shares

Inheritance Tax in Catalunya

Inheritance Tax in Catalunya

Le Tour de Finance – autumn seminars

Le Tour de Finance – autumn seminars

Where are you domiciled?

Where are you domiciled?

The EU – a Financial success or not?

The EU – a Financial success or not?

Proposed French Tax Changes 2018

Le Tour de Finance visits “Escape to the Chateau”

Le Tour de Finance visits “Escape to the Chateau”

Thoughts on the British Pound

Thoughts on the British Pound

Currency Fluctuations

Successful estate planning in France – Having a will is just the beginning

Successful estate planning in France – Having a will is just the beginning

Saving tax is a good policy

Saving tax is a good policy

Is your Pension close to the UK Lifetime Allowance?

Is your Pension close to the UK Lifetime Allowance?

Potential Catalan Issues

Potential Catalan Issues

Will Brexit affect your plans to move to France?

Will Brexit affect your plans to move to France?

How to be compliant…..

How to be compliant…..

The fight to keep our EU rights

The fight to keep our EU rights

Concerned by a Currency Conundrum…?

Concerned by a Currency Conundrum…?

Le Tour de Finance – Autumn 2017

Le Tour de Finance – Autumn 2017

To declare or not to declare?

Has your bank in Spain paid you over 3% p.a. interest on your savings recently?

Planning to retire to France – don’t get caught in the tax trap!

Planning to retire to France – don’t get caught in the tax trap!

Brexit Pensions Deal Reached!

Preparing your loved ones for life after your death

Preparing your loved ones for life after your death

How often should I review my financial situation?

How often should I review my financial situation?

Brexit: the effect on your money

Do you know the rules around domicility?

Do you know the rules around domicility?

Documents and information needed when someone dies

Documents and information needed when someone dies

Now is the time to review your finances

Now is the time to review your finances

EU Pension Transfer from the EU Institutions – It is EUr money

EU Pension Transfer from the EU Institutions – It is EUr money

Wealth Tax in Catalunya

Wealth Tax in Catalunya

Common Reporting Standards

Common Reporting Standards

Is lending money to a government still low risk?

Is lending money to a government still low risk?

THE MILLIONAIRES CLUB

THE MILLIONAIRES CLUB

The Spectrum IFA Group supporting Village by Village

The Spectrum IFA Group supporting Village by Village

Ignorance is not always bliss…………..

Ignorance is not always bliss…………..

Tips on choosing a Financial Adviser?

Tips on choosing a Financial Adviser?

New Pension Transfer Rules!

New Pension Transfer Rules!

Is buying Property in Barcelona a good investment?

Is buying Property in Barcelona a good investment?

Investments for the Cautious

Investments for the Cautious

Le Tour de Finance

Le Tour de Finance

Supporting Village by Village

Supporting Village by Village

Investing in turbulent times – presentation, Costa del Sol

Investing in turbulent times – presentation, Costa del Sol

UK expats cannot vote after 15 years abroad

UK expats cannot vote after 15 years abroad

Smoothing out the bumps of market volatility

Smoothing out the bumps of market volatility

Why robots will never replace Investment Advice

Why robots will never replace Investment Advice

A look at tax rates across Europe

Who would inherit your Assets if you die without a will?

Under the radar?

Under the radar?

Pension Presentation in Luxembourg

Pension Presentation in Luxembourg

Inflation – Are you prepared?

What can I do to minimise any potential impacts of a tough Brexit process?

What can I do to minimise any potential impacts of a tough Brexit process?

Keeping On Track

Keeping On Track

Compound interest – The Eighth Wonder of the World

Compound interest – The Eighth Wonder of the World

How can I make my money grow when interest rates are so low?

How can I make my money grow when interest rates are so low?

“How dare they move abroad and take their wealth with them!”

“How dare they move abroad and take their wealth with them!”

Inheritance Tax Planning

Inheritance Tax Planning

Property Thursday on Riviera Radio

Property Thursday on Riviera Radio

Le Tour de Finance – spring 2017

Le Tour de Finance – spring 2017

A sad time for some…….. whilst others embrace the change

A sad time for some…….. whilst others embrace the change

Spanish State Pension system about to go Bankrupt?

Spanish State Pension system about to go Bankrupt?

What’s next for GBP versus EURO

What’s next for GBP versus EURO

Modelo 720 Reporting Time!

Modelo 720 Reporting Time!

Changes to QROPS from 9th March 2017

Banks start plans for Brexit

Banks start plans for Brexit

Avoid Bank Charges

Avoid Bank Charges

QROPS Pension Transfer

QROPS Pension Transfer

Taxation of UK rental income in Italy

Taxation of UK rental income in Italy

Why Financial Planning ?

Why Financial Planning ?

Spanish Succession Tax (Inheritance tax)

When is a guarantee not a guarantee?

When is a guarantee not a guarantee?

Retirement Benefits

The ABCs of Spanish taxation when investing in real estate in Spain

The ABCs of Spanish taxation when investing in real estate in Spain

Reasons to Wrap

Reasons to Wrap

BRITISH IN ITALY

BRITISH IN ITALY

UK PUBLIC SECTOR PENSIONS, BREXIT AND ITALIAN CITIZENSHIP

UK PUBLIC SECTOR PENSIONS, BREXIT AND ITALIAN CITIZENSHIP

Italy – Thinking about taxes?

Achieving financial stability in France

Achieving financial stability in France

How safe is your bank?

How safe is your bank?

Theresa May addresses Brexit

Theresa May addresses Brexit

Banks have floors?

Banks have floors?

What will happen in 2017?

What will happen in 2017?

Residency rights in Brexit negotiations examined

Residency rights in Brexit negotiations examined

Exiting The EU Select Committee

Exiting The EU Select Committee

Are you thinking of selling your UK property or have you sold one recently?

Are you thinking of selling your UK property or have you sold one recently?

Investing in turbulent times

Investing in turbulent times

French Tax Changes 2017

French Tax Changes 2017

The Spectrum IFA Group representing Expats in the ‘Exiting the EU Select Committee’

The Spectrum IFA Group representing Expats in the ‘Exiting the EU Select Committee’

Spectrum sponsor the DFAS event – Costa del Sol

Spectrum sponsor the DFAS event – Costa del Sol

Should you cash in your final salary pension?

Should you cash in your final salary pension?

The Importance of Protecting and Protecting What’s Important

The Importance of Protecting and Protecting What’s Important

A case study on UK final salary pensions

The Western World’s Ageing Population

EU Citizenship Rights for Brits?

EU Citizenship Rights for Brits?

President Trump “The brand and businessman”

President Trump “The brand and businessman”

Brexit, US Election & Exchange Rates

Brexit, US Election & Exchange Rates

Pensions Time Bomb

Pensions Time Bomb

The Brexit or Invoking the Law of Unintended Consequence.

The Brexit or Invoking the Law of Unintended Consequence.

Should you consider transferring your Final Salary Pension?

Should you consider transferring your Final Salary Pension?

Pensions Time Bomb

Pensions Time Bomb

Time to Review Your Final Salary Pension

The Spectrum IFA Group exhibited at the Barcelona International Community Day

The Spectrum IFA Group exhibited at the Barcelona International Community Day

The Spectrum IFA Group co-sponsored NADFAS lecture

The Spectrum IFA Group co-sponsored NADFAS lecture

The 113th Le Tour de Finance event at Domaine Gayda

The 113th Le Tour de Finance event at Domaine Gayda

Dread and Brexit

Dread and Brexit

Supporting Women in Business 10th November

Supporting Women in Business 10th November

For Brexiteers and Remainers alike

For Brexiteers and Remainers alike

Le Tour de Finance – British Embassy Paris 19th October 2016

Le Tour de Finance – British Embassy Paris 19th October 2016

Should you consider transferring your Final Salary Pension Scheme?

Le Tour de Finance Gayda October 2016

Le Tour de Finance Gayda October 2016

Fonds en euros in assurances vie policies.

Fonds en euros in assurances vie policies.

Le Tour de Finance – Autumn Leg in France

Le Tour de Finance – Autumn Leg in France

Warning – UK Pensions

Warning – UK Pensions

Le Tour de Finance heads to Switzerland

Le Tour de Finance heads to Switzerland

The Spectrum IFA Group Award for their Technical Articles

The Spectrum IFA Group Award for their Technical Articles

I have a long term relationship with a UK regulated financial adviser, why should I speak to French regulated one?

I have a long term relationship with a UK regulated financial adviser, why should I speak to French regulated one?

French Inheritance Planning

French Inheritance Planning

Every Cloud

Every Cloud

Coveting the shiny stuff – Gold

Coveting the shiny stuff – Gold

Timing the markets

Timing the markets

The Importance of Protection and Protecting What’s Important

The Importance of Protection and Protecting What’s Important

Parkinson’s Law

Parkinson’s Law

Autumn Tour de Finance seminars

Autumn Tour de Finance seminars

Tin Hat Time at the FCA

Tin Hat Time at the FCA

Some alternative BREXIT thoughts and why Italy could be next

Some alternative BREXIT thoughts and why Italy could be next

Concerns over effect of BREXIT on expat pensions

Concerns over effect of BREXIT on expat pensions

British Chamber of Commerce, Spain and The Spectrum IFA Group

British Chamber of Commerce, Spain and The Spectrum IFA Group

Can you work on yachts and still get a UK state pension?

Can you work on yachts and still get a UK state pension?

When is a guarantee not a guarantee

When is a guarantee not a guarantee

The Spectrum IFA Group opens an office in Limoux

The Spectrum IFA Group opens an office in Limoux

BREXIT & The Spectrum IFA Group

BREXIT & The Spectrum IFA Group

Planning for Certainty in an Uncertain World

Planning for Certainty in an Uncertain World

Known Unknowns

Known Unknowns

Le Tour de Finance spring events

Le Tour de Finance spring events

Making a Will and EU Succession Planning in Spain/Europe

Making a Will and EU Succession Planning in Spain/Europe

Tax cuts in Italy…?

Common Reporting Standards

Common Reporting Standards

Where there’s a Will

Where there’s a Will

Working in Gibraltar but living in Spain

Working in Gibraltar but living in Spain

Declaracion De La Renta

Declaracion De La Renta

Tax-Efficient Savings & Investments in France

Tax-Efficient Savings & Investments in France

The New UK State Pension

The New UK State Pension

UK Inheritance Tax V French Succession Tax

Overseas rental property – have you thought about this………?

Stay invested and don’t try to second guess the market – Discipline is rewarded

Stay invested and don’t try to second guess the market – Discipline is rewarded

Spectrum IFA sponsors Freddie for a Day

Spectrum IFA sponsors Freddie for a Day

So What’s Your Strategy ?

So What’s Your Strategy ?

How Much To Invest?

How Much To Invest?

Retirement Benefits

Stabilise first then invest

Stabilise first then invest

French Tax Return dates 2016

French Tax Return dates 2016

Reasons To Invest

Reasons To Invest

Spectrum sponsored DFAS lecture – Costa del Sol, Spain – Wednesday 16th March.

Are your investments tax compliant in Spain?

Are your investments tax compliant in Spain?

Le Tour de Finance Italy

Retiring abroad – BBC.com article featuring The Spectrum IFA Group

Le Tour de Finance

Dealing with volatility

Dealing with volatility

Company Pension/Final Salary funding update 31st January 2016

Company Pension/Final Salary funding update 31st January 2016

Retiring in Spain with a UK State Pension – How does it work?

Retiring in Spain with a UK State Pension – How does it work?

Pensions Back on the Government’s Agenda Again!

UK Pension Tax Changes 6th April 2016 (lifetime allowance)

UK Pension Tax Changes 6th April 2016 (lifetime allowance)

To QROPS or Not?

To QROPS or Not?

Spectrum sponsors the NADFAS event in Costa del Sol

Spectrum sponsors the NADFAS event in Costa del Sol

Le Tour de Finance – Spring Seminars

Le Tour de Finance – Spring Seminars

Planning for the yachting season ahead

Planning for the yachting season ahead

Personal Financial Planning in France – if I knew then what I know now…

Personal Financial Planning in France – if I knew then what I know now…

The trends for 2016 – The view from the Gondola.

The trends for 2016 – The view from the Gondola.

The UK referendum on the EU – Lose your vote or use it!

The UK referendum on the EU – Lose your vote or use it!

Don´t bank on low charges

Don´t bank on low charges

French Tax Changes 2016

French Tax Changes 2016

Decorative & Fine Arts Society event

Why a Pension audit is vital for your wealth.  (Part 2)

Why a Pension audit is vital for your wealth. (Part 2)

How much have your savings increased in the last 12 months?

How much have your savings increased in the last 12 months?

The Law of Esterovestizione

The Law of Esterovestizione

Le Tour de Finance – 100th event in Dinard

French Social charges on UK pensions and investment income

French Social charges on UK pensions and investment income

Update on French Social Charges

Automatic Exchange of Information (AEI)

Automatic Exchange of Information (AEI)

Rendita catastale

Rendita catastale

Full exchange of financial account information is on the doorstep.

Full exchange of financial account information is on the doorstep.

Can you make decent profits without a degree of market risk?

Can you make decent profits without a degree of market risk?

The UK’s future membership of the EU

The UK’s future membership of the EU

Le Tour de Finance – Autumn seminars

Cogs4Cancer 2015 – Barcelona to Antibes

What are the main financial risks as an expat in France?

Le Tour de Finance – autumn 2015

Recent financial updates affecting expats in France

Cogs4Cancer 2015 – The new kit has arrived

Queen Elizabeth II becomes longest reigning British monarch

Queen Elizabeth II becomes longest reigning British monarch

Why a Pension audit is vital for your wealth  Part 1

Why a Pension audit is vital for your wealth Part 1

Impending changes to French inheritance laws

Impending changes to French inheritance laws

The Spectrum IFA Group and Cogs4Cancer

The Spectrum IFA Group and Cogs4Cancer

QROPS – Qualifying Recognised Overseas Pension Schemes

QROPS – Qualifying Recognised Overseas Pension Schemes

The EU Succession Regulations

The EU Succession Regulations

Don´t slip up with over “Greece”ing

Don´t slip up with over “Greece”ing

What holds you back from investing?

What holds you back from investing?

Reflecting on Gains

Reflecting on Gains

Remember our old friend the Assurance Vie?

A rough guide to submitting your tax information in Italy

The full spectrum – an interview with Advisor.com

The full spectrum – an interview with Advisor.com

Does my foreign Will cover my Italian property on my death?

The Effect of a Greek Default

The Effect of a Greek Default

It is never too early to start planning your financial future

It is never too early to start planning your financial future

Why it Pays to Make a Spanish Will as an expat

Why it Pays to Make a Spanish Will as an expat

Do I need help planning my finances in France?

Do I need help planning my finances in France?

You can’t please all of the people all of the time

You can’t please all of the people all of the time

Le Tour de Finance 2015 in France

Le Tour de Finance 2015 in France

Offshore Disclosures Facility

Offshore Disclosures Facility

Self Managed Investment Solutions

Le Tour de Finance continues into the Languedoc & Pyrenees region.

Misinformation, not just a problem for politicians?

Misinformation, not just a problem for politicians?

FACTA: the unintended consequence for Expatriate US citizens

FACTA: the unintended consequence for Expatriate US citizens

The Spectrum IFA Group and CIFA Conference in Monaco

Le Tour de Finance, Denia, Spain

The Spectrum IFA Group at ‘A Place in the Sun Live’ Olympia, London 8th – 10th May 2015

What is QROPS?

Le Tour de Finance Paris 15th April 2015

Changes to UK pensions: how will they affect you?

Changes to UK pensions: how will they affect you?

The Spectrum IFA Group sponsors the Mimosa Matters Ball

Buying a property in France

The Spectrum IFA Group & the Decorative & Fine Arts Society

The Spectrum IFA Group & the Decorative & Fine Arts Society

French social charges on worldwide investment income

French social charges on worldwide investment income

Sterling or euro?

Sterling or euro?

UK Pension Reforms

UK Pension Reforms

Le Tour de Finance 2015

Le Tour de Finance, Case Study Sessions in Italy

Le Tour de Finance, Case Study Sessions in Italy

Residency and Tax Residency in Italy

Income Tax Rates in Italy

Le Tour de Finance Paris

Living in France with assets in Sterling

Living in France with assets in Sterling

All about residence……..

All about residence……..

Are you thinking of moving to France?

Are you thinking of moving to France?

Producing income from your investments

Producing income from your investments

Can You Avoid Spanish Inheritance Tax?

Financial seminar for expats in Catalonia

Financial seminar for expats in Catalonia

The currency exchange rate

Financial Independence: What’s your number?

Financial Independence: What’s your number?

Smart Ways to Make the Most of Your Finances

Smart Ways to Make the Most of Your Finances

The Spectrum IFA Group Economic Forum

The Financial Implications of Moving Abroad

The France Show, 23-25 January 2015

Looking forward to your pension

Investments: The Unconsidered Risks

Smoothing: Reduce Volatility and Increase Growth

Smoothing: Reduce Volatility and Increase Growth

Inheritance Tax in Italy

Inheritance Tax in Italy

Expats in Italy and bank accounts

Expats in Italy and bank accounts

Tax and residency in Italy

Risk – Simply a Box of Chocolates?

Risk – Simply a Box of Chocolates?

French Tax Changes 2015

French Tax Changes 2015

UK Pensions Reform Overview

Saving for Retirement in Spain

Finding a Financial Adviser in Barcelona

UK Pension Transfers – Update for Expats

GIVEWATTS and The Spectrum IFA Group

GIVEWATTS and The Spectrum IFA Group

Pension workshops in 2015 – Deux-Sèvres

Looking forward to 2015

Certainty and Predictability for your Investments

Certainty and Predictability for your Investments

Cogs4Cancer fundraising hits €285,000

Financial success from your yachting career

Financial success from your yachting career

Should I stay or should I go?

Do You Fear For Your Financial Future?

Do You Fear For Your Financial Future?

What New Year’s Resolution can I make for 2015?

Spectrum sponsor the Barcelona English Radio Party – 20th November

Have you or someone you know had to pay Spanish non-resident inheritance tax since 2010?

Have you or someone you know had to pay Spanish non-resident inheritance tax since 2010?

EU SUCCESSION REGULATIONS – the perfect solution?

EU SUCCESSION REGULATIONS – the perfect solution?

Tax Efficient Savings in Luxembourg

Tax Efficient Savings in Luxembourg

How my Independent Financial Adviser in Spain saved me 82,947euro in tax!!

How my Independent Financial Adviser in Spain saved me 82,947euro in tax!!

The Spectrum IFA Group sponsors What Larks English Theatre Group

The Spectrum IFA Group sponsors What Larks English Theatre Group

Savings solutions in Spain

Savings solutions in Spain

UK Pensions – Spend it or Save it

UK Pensions – Spend it or Save it

How much is Inheritance Tax in Spain?

Tax efficient saving in France with Livret A & Assurance Vie

Le Tour de Finance – France, October 2014

Le Tour de Finance ‘FORUM’ 2014 – Italy

Planning to retire to France?

The Paris Business Lunch

Spectrum sponsors 23rd Swiss Classic British Car Show

Cogs4Cancer Tribute Ride

Health Insurance for superyacht crew

With care YOU prosper

Cogs4Cancer – the count down is on

Spanish Tax Reforms

Tax Residency in Italy

Are you thinking about moving to Italy?

Are you thinking about moving to Italy?

Are you a resident in Italy and what taxes apply to you?

Investments and investment risk

Scottish Independence: A major faultline exposed in the UK?

CGT and social charges applied to rental income and investments in France

Making a Will in Switzerland

Buying property – the alternative options

Quick tips when relocating to Switzerland

Le Tour de Finance returns this autumn

Do you know which country you are resident in?

UK Pensions and Non-Residents

Inheritance Planning in France

How to protect yourself in uncertain times

Enthusiastic feedback from ‘Le Tour de Finance’

Buying Property in Spain

Inheritance and expats living in France

The Spectrum IFA Group and Cogs4Cancer

Precious metals and gold

Are you a retired expat in Italy or thinking of retiring to Italy?

As safe as money in the bank

The REAL effect of inflation

The REAL effect of inflation

Buying property in the UK

An Inflationary Tale

How to Invest – Basic Investing Strategies

Risk Tolerance

Risk Tolerance

How are you at managing your Finances ?

How are you at managing your Finances ?

Are you thinking about starting a pension in France?

Discussing investment risk

Organize and simplify your financial portfolio

Final Salary Pension changes: The Budget 2014

QROPS Pension Transfer

QROPS Pension Transfer

The Spectrum IFA Group attends the Fund Forum International in Monaco

Pilot Loss of License and Loss of Training Expenses Insurance

Spectrum crosses the finish line with Le Tour de Finance

Spectrum on Talk Radio Europe

The Spectrum IFA Group at TED Event

Le Tour de Finance 2nd leg in France

QROPS and expats living in France

More pain and no gain from interest rates

Luxemborg Business Lunch

Stick or Twist?

Residency & Tax Returns in France

Le Tour de Finance – a winner again

Capital Gains Tax and the Expat Property Owner

The Full Spectrum

Should I use a Financial Adviser?

Buying Property in France

Le Tour de Finance in France

Swiss British Classic Car Show in Morges

Spanish Mortgage News

Reflections on the recent ‘French Property Exhibition’ in the UK

Who is “Ask Amanda?”

Umbria Expat – Financial Surgeries

Le Tour de Finance in Spain

Tax Returns, Pensions & Seminars

Why expats should be wary of new pension rules

How can I find out more about the financial services that are available to me in France?

Witholding tax on overseas money transfers to Italy

Do I have to pay French Social Charges on my Assurance Vie?

Producing Income from Your Investments

Delaying Savings

Expat tax break threatened, spelling bad news for pensioners

Should I use a Financial Adviser?

Take these steps now to live abroad after retiring

Pension changes – who benefits?

Yes, you can retire before your 40th birthday

A successful start – Le Tour de Finance, Italy

Proposed UK Pension Changes

UK Pensions – Budget Announcement April 2014

The Spectrum IFA Group Expands in Holland and Belgium

Lifetime Allowance changes and ‘Fixed Protection 2014

The Spectrum IFA Group Expands in Tuscany, Italy

Are you a Spanish tax-resident for tax purposes

The Tour de Finance Forum 2014 – Italy

French Trust Law

The Spectrum IFA Group Expands in Madrid, Spain

Brandeaux February Update 2014

Investments can have too much structure

Suspended – 20% tax on overseas transfers into Italy

Swedish and living in France

Brandeaux Suspended Funds Update

Investing for a higher Income

Aude Flyer

Is my Assurance Vie flexible?

Looking at financial stability throughout your yachting career

France’s Fight Against Tax Evasion

20% withholding tax on all transfers from abroad into Italy

Property rentals in Italy – goodbye cash 2014

Buying a second home as a summer retreat

Minimum reporting threshold for funds held abroad – clarified

Rental Income from properties overseas and how to declare it in Italy

QROPS and EURBS – Common questions asked

French Residency – Dispelling the Myths

Spectrum Economic Forum Davos 2014

French Tax Changes 2014

Use the tax structures in France to their full potential

Are you sure your bank accounts covered by the €100,000 government guarantee?

Legge di Stabilita 2014

Will Spain be moved by Brussels?

Diversification could pay dividends

Financial Peace of Mind

Finances and stepfamilies

Currencies Update 25th November 2013

‘Tis the season to get a grip on festivity spending

The French Riviera Marathon

Fact or Fiction

Currencies Update 4th November 2013

Millions of over 40s at risk of being left penniless after partners’ death

And Another Debt Crisis

Who do you bank with?

Irish Chamber Examines Luxembourg Pension Scheme

The Spectrum IFA Group & Tour de Finance Seminar Costa del Sol – October 18th 2013

IMD International Business School in Lausanne – GIVEWATTS

ARE YOU PAYING TOO MUCH TAX ON YOUR SAVINGS?

ARE YOU PAYING TOO MUCH TAX ON YOUR SAVINGS?

Le Tour de Finance Heads to Spain

Successful LTDF seminar in Valbonne

The Spectrum IFA Group open new office in Mallorca

Spanish Inheritance Tax and Habitual Residence

Retirement Planning – Is it a marathon or a sprint?

Retirement Planning – Is it a marathon or a sprint?

A short guide to QROPS

Compound Interest “The Eighth Wonder of the World”

Compound Interest “The Eighth Wonder of the World”

Proposed French Tax Changes

La Tour de Finance Friday 4th October – Maine et Loire, Saumur

Inflation is when you pay ….

Nice-Cannes Relay Marathon

LE TOUR DE FINANCE IS COMING TO ITALY

Come and meet the Spectrum IFA Group on Le Tour de Finance this Autumn

Gareth’s personal story of profit and loss

My UK will and living in France

Property and inheritance tax increases in the Valencian Community

Get your nest egg working harder

A smart strategy borrowed from the Chinese – BBC.com

What is risk? – Precious Metals…

Make it work on a single salary BBC.com artcile

French U-turn on tax grab spells good news for expats

Give your investment portfolio the ‘Lip’ Service it deserves

Ask Amanda in The Deux Sevres Magazine & The Vendee Magazine

QROPS – Take Control of Your UK Pension

Insight into tax efficient savings in Spain

Tax on sale of inherited property in Italy

What is risk? – Equities

Beware: International Financial Advisers operating in Italy!

Safest way to double your money ….

UK Pensions and Living in France

“The goal of retirement … “

Take control of your UK pension: QROPS

Take control of your UK pension: QROPS

What is risk? – Property

‘Ask Amanda’ – The Deux Sevres Magazine & the Vendee edition

What is risk? – Bonds

How can expats can get their ‘nest-egg’ savings working harder despite low-interest rates

How can expats can get their ‘nest-egg’ savings working harder despite low-interest rates

Spain – Overseas Tax Reporting and Financial Planning Seminars

What is risk? – Bank accounts and Cash

Top Tax Tips for Expats in Italy

How to plan your retirement

How to plan your retirement

Investment options

Investment options

Investment options – Captial protected plans

How changes to UK pension law can benefit expats

It’s not timing the market – It’s time ‘in’ the market

Moving on from Brexit

Brexit created a number of well-documented issues for expatriates living in the EU.

Financial planning and wealth management were impacted heavily as the Withdrawal Agreement excluded financial services and specifically the passporting of advisory licences between the UK and EU. This means that many UK based advisers and institutions are no longer able to engage with clients living in the EU.

The Spectrum IFA Group is licensed across the entire EEA and can ensure that your finances are ‘Brexit-proof’, through access to secure, locally authorised, tax-efficient investment solutions.

In countries such as France, Spain, Italy, Luxembourg, Portugal and Malta, you have access to many flexible investment options backed by some of the UK’s largest and most well known financial institutions.

These products, issued from Dublin or Luxembourg, are both EU regulated and highly tax efficient. One of the largest insurance companies in the UK offers a fully French compliant (Dublin based) Assurance Vie. Similarly tax efficient products, designed for expatriates, are available to Italian, Spanish, Portuguese and Maltese residents.

As a result, you can still invest with companies whose names you know and trust, whilst ensuring compliance and tax-efficiency in the country you now call home.

But enough about us… view some of The Spectrum IFA reviews
to see what our existing clients have to say

The Spectrum IFA Group Reviews

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Your Guide to Tax in Spain 2022
Guide to tax in Italy