

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.
Am I tax resident in Spain?
Protecting your wealth
Can I keep my UK bank account and ISA?
Tax in Portugal – Webinar
Finance in France – what’s new in 2023?
Have you prepared ‘THE’ Folder?
Tax credits in France
Will China invade Taiwan?
What a year this has been. Let’s hope next Year is better..
Spain’s New Digital Nomad Visa
Guide to Inheritance Tax in Catalonia
Planning for Non-Habitual Residency in Portugal
Tax and property in Portugal
Don’t get caught paying 53% capital gains tax in 2023
Financial myth busting for expats in Portugal
Financial update in France
Investment hurdles
A balanced portfolio
Financial updates in Spain
Autonomo or set up a company/SL in Spain
International SIPPs
The Spanish State Pension
Keeping occupied when you’re retired is not always easy
Declaring your taxes in Italy
Have you made your ‘Folder’ ?
Children and taxes in France
Is Portugal a tax haven in Europe?
Tax saving tips for Portugal
Transferring your pension to a QROP
What is a QNUPS, do I need one?
Moving to Spain and Wealth Tax
How to build income from your investments
Le Tour de Finance arrives in western France
Can I keep my UK pension as a Portuguese resident?
Living in Italy
Buying a property in Portugal to acquire a Golden Visa?
No more wealth tax in Andalucia
Top Tips for expat finances in Spain
At Last, Wealth Tax is abolished in Andalucia
The challenges faced when Downsizing
Live webinar – 22nd September – Golden Visa in Portugal
Transferring your pension to a QROP
Making a Will in Spain
August update for expats in Spain
Is it better to pay off your mortgage early or save for retirement?
Buying a property in Portugal | Webinar
UK investments living in Portugal
Spain’s Golden and Non-Lucrative Visas
Living in Spain after BREXIT
Succession planning in Portugal
Are you paying too much on your investments?
Buying a property in Portugal seminar
Responsible investing and ESG
Portuguese capital gains tax – changes from Budget 2022
Are you thinking of moving to Spain
Investment Property in Portugal
Are you domicile or non-domicile?
Falling investment markets
Have you completed your tax returns in France?
Spanish Tax on Personal Pensions
Buying property in Portugal
Investment management styles
Spanish Tax Guide 2022
Arts Society de La Frontera
Removing Confusion on Spain and UK Tax Situation Especially Pensions
When to keep ‘unsuitable’ investments
When Non-Habitual Residence does NOT work
Temporary Annuities in Spain
Investment portfolios | The Principles of Success
5 reasons cash might not be king
Premium Bonds in France
Bonds – still a low-risk investment?
Real Estate vs. Diversified Portfolio
Inflation in Spain
Sustainable & Ethical Investment funds in Spain
Financial adviser in Portugal
Saving tax in Spain
Where am I resident and where should I be paying tax?
Measuring investment performance
Wealth Tax in Catalonia
Financial planning for women
Planning for Non-Habitual Residence | Portugal
Difficult questions your financial adviser may not want to answer
Spanish tax on UK property
Moving to Portugal post Brexit | Visa options for UK nationals
Planning for Non-Habitual Residence in Portugal
Ukraine – stockmarkets’ reaction
Investing During War Times
What has changed for the Modelo 720?
Do you need to submit a Modelo 720?
Real estate in Malta
The importance of retirement planning
Investing as a resident of Portugal
How do I make my cash work harder?
What is a good investment return?
ESG funds and green gardening
How are my savings and investments taxed as a Portuguese resident?
Italian financial update
Trusts and their treatment in Portugal
ESG – How to invest ethically
Modelo 720 – the end of late filing fees?
How to reduce your taxes in Spain (legitimately!)
Is there tax relief in Portugal if I am downsizing my home?
Inheritance tax living in Catalonia, Spain
Irish Pensions Transfers | What are your options?
Arts Society de La Frontera ‘Live’
ESG – Responsible Investing
Investment performance and reliability
How do I deal with inflation?
Investment options
Selling a property in Portugal | Tax relief
Investment diversification
I want to sell my property in Portugal | How much tax do I have to pay?
Cryptocurrency versus Regulated Funds
Expat financial advice in Portugal
Your Financial Health Check 2022
A Financial adviser in Italy
Do I need a financial adviser?
Tax efficient savings in Portugal
Interest rates and Inflation
Moving to Portugal | Visa Options
With Care You Prosper
How do I know if I am Portuguese tax resident?
Inflation in Italy
Income Tax Brackets Italy 2022
Transferring Irish Pensions Abroad
I’m an Expat in Portugal – where do I pay tax?
Pension scams – what you need to know
Bad experiences with financial advice
Inflation: food for thought
How is my pension taxed in Portugal?
Non-Habitual Residency in Portugal
Do I need a different Will as an expat living in Italy?
Can I keep my UK ISA living in Spain?
Trust not Trusts
Gift tax in Spain
Holiday rental owners in Italy
Investment bonds in Italy
Market volatility
Tax Efficient Investments Malta
Italy – 300,000 tax disputes, trusts and 7% tax regime
Working Life vs Life Savings When Living in Spain
Inheritance issues in France
Minimising exposure to tax in Spain
The Spectrum IFA opens it’s Malta office
Tax & Pensions in Italy
UK pensions and tax treatment in France
Understanding inflation
UK tax rebates in Spain
Smart Banking
Reflecting on estate planning
Investing in China
The cryptocurrency revolution
The tax and legal systems in France
Top three financial tips for expats living in Spain
Back at the races in Monza
Moving to Italy and the average cost of living
Are you moving to Italy?
Tax Reporting in Italy
French Tax declarations in June – Trusts & Wealth Tax
New Spanish tax rules for UK ISAs and investment funds
More Spanish residents to pay wealth tax
Inheritance Planning and French Residency
Wealth Tax in Spain
Tax in France – what needs to be declared
Are you a French tax resident who owns a house in the UK?
French Tax Returns 2021
Do you have non-euro based cash deposits?
Spring cleaning your finances
Why do I need a Financial Adviser?
Taxes in Spain after BREXIT
HOW TO INVEST – Shares, Equities and Branch 23
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?
Spanish CGT on UK Principal Residences
HOW TO INVEST – Stocks – They Don’t Have to be Taxing
Should I leave money in the bank?
Moving to France from the UK: Figuring Out Where You’re a Tax Resident
Spain’s Golden and Non-Lucrative Visas
I’m moving to Spain – When should I take financial advice?
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
Time not timing – investing for the long term
Is your money safe under the mattress?
Your Expat Guide to Pension Planning
Beyond Brexit… What comes next ?
UK pensions and investments after BREXIT
Fund managers, ethics, green issues and sustainability
How safe is my cash?
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?
Is it necessary to have a Spanish will and a British will?
Domicile re-visited – has Brexit had an impact?
Document pour mieux préparer son décès
Do you have investments in the UK?
Currency Exchange and the benefits of using a specialist provider
Financial and Retirement Planning – Cash flow Modelling
UK pension consolidation living in Spain
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
Are you and your investments adapting to change?
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?
Spanish private pensions
Banks, Bonds and Badwill
Looking back at 2020, looking forward to 2021
UK bank accounts after Brexit
Are you a UK IFA with Clients Living in Europe ?
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
Investment income taxation in Italy
How much tax do you pay in France?
Do I need a residence permit or driving licence in France?
The recovery of stock markets cannot be ignored
Buying Property in Italy
Should I transfer my UK Pensions if I’m living in France?
Are you au fait with Exchange Rates?
Taxe Foncière – Do you qualify for exemption?
New registration procedure for residents (TIE)
How is my UK Pension taxed in Italy?
Comment prendre sa retraite à 50 ans?
Which Assurance Vie is best?
There is more to (investment) life than the FTSE100
Living in Spain after BREXIT
Tax break for pensioners moving to Italy
The folder…
UK Inheritance Tax and Spanish Succession Tax
How to avoid Spanish taxes on your UK property and investments
UK State Pension & Voluntary Contributions
Investments in the current climate
What type of recovery do we foresee?
Are we going to change?
Lockdown lessons learnt?
Getting residency in Italy before Brexit
What is the point of having money?
7 Good Reasons to Retire in Andalucía
The results are in…
Inheritance Planning & French Residency
Who wants to be a millionaire?
There’s only two things you can be certain of in life…
Moving to Spain & UK pension contributions
Italian banks – should we be worried?
The Spectrum IFA Group and Blackden Financial join forces
Investing After a Stock Market Crash
State Pension Benefits
Tax increases in Spain
Atypical expat family living in Spain
Investing for the future
Investing for the long term
Central Banks in Italy
How long do you wait for things to improve?
Can we learn from the past?
Are you staying informed?
Longer Term Perspective
Life in Lockdown
Health, Wealth and Happiness
Guardianship for your Children
Why do we use asset managers?
Investment Talk
Difficult times & planning opportunities for investors
Investments, what should I be doing?
Health before wealth
The debt situation in Italy
There’s never been a more important time to speak with your IFA
Take care of yourself
Feeling down about investments?
How much do I need for a comfortable retirement?
The luxury of your own local financial adviser
What to do with investments in a bear market?
A flight to safety, or an opportunity for investors?
Being prepared for BREXIT in France
Stay Safe
Do I need to declare my UK bank accounts?
Stock markets falling, should I sell?
Moving to Spain – When should I take financial advice?
Save Thousands in Gift and Inheritance Tax in Spain
Modelo 720 Reporting Time – 2020
An introduction to Switzerland’s savings and investment market
Arts Society de La Frontera & Spectrum – Costa del Sol
Advice before you arrive in Spain
Moving to France – When should I take financial advice?
Planning for the Inevitable
Inflation is the killer
Swiss taxes and various deductions
Mortgage Rates in Spain
The Spectrum IFA Group Conference 2020 – Athens
Inheritance Tax in Catalonia
TAXATION UPDATE IN SPAIN
Why should I review my finances
Financial Planning for Business Owners in Barcelona
2020, here we come…
So what is the outlook for 2020?
Brexit – What now?
Political shock in the UK
Spanish Succession and Gift Tax boost for non-EU beneficiaries
Le Tour de Finance – Autumn 2019
DETRACTIONS FOR INCOME TAX PURPOSES IN ITALY
Sterling after Brexit
One kind of hangover is enough………
Arts Society de La Frontera event
Financial Planning Impact of the Spanish Election
UK Pension transfer – most common questions asked
Your right to vote and the risk of doing nothing
Is Financial Planning Different for Women?
Professional Women’s Network – Cote d’Azur
Is this the time to invest and where?
Understanding the Taxe Foncière
The Changing Financial World
How to invest – Multi-asset Funds – Investing Made Simpler
Acheter un appartement à Barcelone : bonne ou mauvaise idée ?
Inheritance Tax in Catalonia
How to invest – Rebalance Your Investments
The attack on cash in Italy
Tax breaks in Italy
Interest rate outlook and what it means for your investments
How to invest – What Is Asset Allocation?
Tax Advice in Spain for Expats
Spanish Resident Services
Pension Transfer from the EU Institutions
Moving to, or living in Spain after Brexit – What do you need to do?
How to invest -The Importance of Diversification
Tips on Moving to Spain before Brexit
I Thought Retiring Would Be So Much Simpler Than It Is!
Hot investments: It’s time to get creative
Understanding How Risk Affects Your Portfolio
Spain/Gibraltar Tax Treaty – tax residency of individuals
Whatever will be, will be
“Brexit proof” your investments using a top UK financial institution
How to retire like a pro!
Qu’est ce que la “Loi Beckham”?
Watch out for your uber-rich neighbours
We need to talk about China…
The Spectrum IFA Group: A corporate partner, a generous friend
Do you know if you are overpaying Spanish tax?
Inheritance Tax in Catalunya
Taking a Lump Sum from your Pension when Resident in Spain
Are You British, And Have You Recently Become An Official Resident Of Spain?
The Many Benefits of a Financial Adviser
Investing – Where do I start?
Arts Society Event – San Roque, Costa del Sol
Tips in investing in tough times
2019: Modelo 720 – Reporting time for overseas assets
Common Investment Mistakes
Why is it important to have regular financial reviews?
New Tax Laws in Italy
Taxes affecting residents in Italy
GUIDE TO GROWING YOUR INCOME
The Beckham Law 2019
BEWARE: FADS AND FASHIONS
Savings Bank Account Comparison in Spain
Does Qrops or transferring your UK Pension overseas work?
Creating THE Folder – your financial snapshot
Putting financial concerns in perspective
The danger of waiting for Brexit
Ethical investing – what exactly does it mean?
Modelo 720: Final Date for Submission is 31st March 2019
Creating THE Folder…
10 Rules of Successful Investments
The long and complicated relationship with social charges
BRANCH 23 – Tax Efficient Investment In Belgium
How Expats Can Consolidate Their UK Pensions
We are all living longer, and it’s not all good news
The PAYE system – and so it it begins!
French Tax Changes 2019
Récapitulatif sur le MODELO 720
As a British citizen living in France who can look after my financial affairs if I become incapacitated?
Possible effects of Brexit in Spain
BREXIT and our right to remain in Spain
Le Tour de Finance autumn events
Deal or No Deal…?
Arts Society de la Frontera – Costa del Sol, Spain
The Gift of Giving
Le Tour de Finance – Autumn Events
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
Next step for the PEPP saga
Exchange of Information – CRS
The French Property Exhibition
Life assurance investment policies and Brexit
Inheritance Planning in France
Are you moving to Spain?
Should I make a tax return? If so, why?
The Importance of having a Local Financial Adviser
Tax threat: the consequences of CRS – The Spanish Situation
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
Common Reporting Standard – Italy
Are taxes in Italy really ‘that’ complicated?
How Do I Find My Pension?
Tax in Spain can be a matter of opinion
UK Investments & ISAs – Tax Treatment in Spain
Is Buy To Let still a good investment?
Preparing ‘THE’ folder
Tax and Savings in Spain
Hands off my pension!
Corporate Responsibility
Tax relief on Spanish charity donations
Pension Commencement Lump Sum Tax in Spain – How does it work?
Trust in me!
French Tax Changes for 2018
Investment Categories
Pension Healthcheck – Tips and Advice for 2018
Wills for Expats in France
Emotional Challenge
What can I do to minimise any potential impacts of a tough Brexit process?
Cash Is Not King….
Will your pension sustain you through retirement?
How do you choose a financial adviser?
How safe is your UK pension?
The European Commission Pension Scheme
Modelo 720 Reporting
Are you legally here in Spain?
French Tax Changes 2018
IF IN DOUBT, DECLARE THE ACCOUNT
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?
Spectrum sponsored Arts Society de la Frontera
Are you Positioned for the Innovation Revolution?
Trusts – and French residency
Taper Relief on Capital Gains from the Sale of Shares
Le Tour de Finance – autumn seminars
Where are you domiciled?
The EU – a Financial success or not?
Proposed French Tax Changes 2018
Le Tour de Finance visits “Escape to the Chateau”
Thoughts on the British Pound
Currency Fluctuations
Successful estate planning in France – Having a will is just the beginning
Saving tax is a good policy
Is your Pension close to the UK Lifetime Allowance?
Potential Catalan Issues
Will Brexit affect your plans to move to France?
How to be compliant…..
The fight to keep our EU rights
Concerned by a Currency Conundrum…?
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!
Brexit Pensions Deal Reached!
Preparing your loved ones for life after your death
How often should I review my financial situation?
Brexit: the effect on your money
Do you know the rules around domicility?
Documents and information needed when someone dies
Now is the time to review your finances
EU Pension Transfer from the EU Institutions – It is EUr money
Common Reporting Standards
Is lending money to a government still low risk?
THE MILLIONAIRES CLUB
The Spectrum IFA Group supporting Village by Village
Ignorance is not always bliss…………..
Tips on choosing a Financial Adviser?
New Pension Transfer Rules!
Is buying Property in Barcelona a good investment?
Investments for the Cautious
Le Tour de Finance
Supporting Village by Village
Investing in turbulent times – presentation, Costa del Sol
UK expats cannot vote after 15 years abroad
Smoothing out the bumps of market volatility
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?
Pension Presentation in Luxembourg
Inflation – Are you prepared?
What can I do to minimise any potential impacts of a tough Brexit process?
Keeping On Track
Compound interest – The Eighth Wonder of the World
How can I make my money grow when interest rates are so low?
“How dare they move abroad and take their wealth with them!”
Inheritance Tax Planning
Property Thursday on Riviera Radio
Le Tour de Finance – spring 2017
A sad time for some…….. whilst others embrace the change
Spanish State Pension system about to go Bankrupt?
What’s next for GBP versus EURO
Modelo 720 Reporting Time!
Changes to QROPS from 9th March 2017
Banks start plans for Brexit
Avoid Bank Charges
QROPS Pension Transfer
Taxation of UK rental income in Italy
Why Financial Planning ?
Spanish Succession Tax (Inheritance tax)
When is a guarantee not a guarantee?
Retirement Benefits
The ABCs of Spanish taxation when investing in real estate in Spain
Reasons to Wrap
BRITISH IN ITALY
UK PUBLIC SECTOR PENSIONS, BREXIT AND ITALIAN CITIZENSHIP
Italy – Thinking about taxes?
Achieving financial stability in France
How safe is your bank?
Theresa May addresses Brexit
Banks have floors?
What will happen in 2017?
Residency rights in Brexit negotiations examined
Exiting The EU Select Committee
Are you thinking of selling your UK property or have you sold one recently?
Investing in turbulent times
French Tax Changes 2017
The Spectrum IFA Group representing Expats in the ‘Exiting the EU Select Committee’
Spectrum sponsor the DFAS event – Costa del Sol
Should you cash in your final salary pension?
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?
President Trump “The brand and businessman”
Brexit, US Election & Exchange Rates
Pensions Time Bomb
The Brexit or Invoking the Law of Unintended Consequence.
Should you consider transferring your Final Salary Pension?
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 co-sponsored NADFAS lecture
The 113th Le Tour de Finance event at Domaine Gayda
Dread and Brexit
Supporting Women in Business 10th November
For Brexiteers and Remainers alike
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
Fonds en euros in assurances vie policies.
Le Tour de Finance – Autumn Leg in France
Warning – UK Pensions
Le Tour de Finance heads to Switzerland
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?
French Inheritance Planning
Every Cloud
Coveting the shiny stuff – Gold
Timing the markets
The Importance of Protection and Protecting What’s Important
Parkinson’s Law
Autumn Tour de Finance seminars
Tin Hat Time at the FCA
Some alternative BREXIT thoughts and why Italy could be next
Concerns over effect of BREXIT on expat pensions
British Chamber of Commerce, Spain and The Spectrum IFA Group
Can you work on yachts and still get a UK state pension?
When is a guarantee not a guarantee
The Spectrum IFA Group opens an office in Limoux
BREXIT & The Spectrum IFA Group
Planning for Certainty in an Uncertain World
Known Unknowns
Le Tour de Finance spring events
Making a Will and EU Succession Planning in Spain/Europe
Tax cuts in Italy…?
Common Reporting Standards
Where there’s a Will
Working in Gibraltar but living in Spain
Declaracion De La Renta
Tax-Efficient Savings & Investments in France
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
Spectrum IFA sponsors Freddie for a Day
So What’s Your Strategy ?
How Much To Invest?
Retirement Benefits
Stabilise first then invest
French Tax Return dates 2016
Reasons To Invest
Spectrum sponsored DFAS lecture – Costa del Sol, Spain – Wednesday 16th March.
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
Company Pension/Final Salary funding update 31st January 2016
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)
To QROPS or Not?
Spectrum sponsors the NADFAS event in Costa del Sol
Le Tour de Finance – Spring Seminars
Planning for the yachting season ahead
Personal Financial Planning in France – if I knew then what I know now…
The trends for 2016 – The view from the Gondola.
The UK referendum on the EU – Lose your vote or use it!
Don´t bank on low charges
French Tax Changes 2016
Decorative & Fine Arts Society event
Why a Pension audit is vital for your wealth. (Part 2)
How much have your savings increased in the last 12 months?
The Law of Esterovestizione
Le Tour de Finance – 100th event in Dinard
French Social charges on UK pensions and investment income
Update on French Social Charges
Automatic Exchange of Information (AEI)
Rendita catastale
Full exchange of financial account information is on the doorstep.
Can you make decent profits without a degree of market risk?
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
Why a Pension audit is vital for your wealth Part 1
Impending changes to French inheritance laws
The Spectrum IFA Group and Cogs4Cancer
QROPS – Qualifying Recognised Overseas Pension Schemes
The EU Succession Regulations
Don´t slip up with over “Greece”ing
What holds you back from investing?
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
Does my foreign Will cover my Italian property on my death?
The Effect of a Greek Default
It is never too early to start planning your financial future
Why it Pays to Make a Spanish Will as an expat
Do I need help planning my finances in France?
You can’t please all of the people all of the time
Le Tour de Finance 2015 in France
Offshore Disclosures Facility
Self Managed Investment Solutions
Le Tour de Finance continues into the Languedoc & Pyrenees region.
Misinformation, not just a problem for politicians?
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?
The Spectrum IFA Group sponsors the Mimosa Matters Ball
Buying a property in France
The Spectrum IFA Group & the Decorative & Fine Arts Society
French social charges on worldwide investment income
Sterling or euro?
UK Pension Reforms
Le Tour de Finance 2015
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
All about residence……..
Are you thinking of moving to France?
Producing income from your investments
Can You Avoid Spanish Inheritance Tax?
Financial seminar for expats in Catalonia
The currency exchange rate
Financial Independence: What’s your number?
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
Inheritance Tax in Italy
Expats in Italy and bank accounts
Tax and residency in Italy
Risk – Simply a Box of Chocolates?
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
Pension workshops in 2015 – Deux-Sèvres
Looking forward to 2015
Certainty and Predictability for your Investments
Cogs4Cancer fundraising hits €285,000
Financial success from your yachting career
Should I stay or should I go?
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?
EU SUCCESSION REGULATIONS – the perfect solution?
Tax Efficient Savings in Luxembourg
How my Independent Financial Adviser in Spain saved me 82,947euro in tax!!
The Spectrum IFA Group sponsors What Larks English Theatre Group
Savings solutions in Spain
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 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
Buying property in the UK
An Inflationary Tale
How to Invest – Basic Investing Strategies
Risk Tolerance
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
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?
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?
A short guide to QROPS
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
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
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
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.