Why do your fellow affluent expats become clients of The Spectrum IFA Group in Spain?

It is all about the planning, solutions, implementation and continuing support (PSIC). 

We take as long as is necessary to understand your situation and listen to your hopes and plans for the future. It is time well spent because to be effective for you, we work to understand first, which then guides the process for your planning.  In fact it governs how you and your adviser approach each step in our PSIC process..

So, why do wealthy expatriates become clients of The Spectrum IFA Group in Spain?

• Secure document exchange and secure email
• We take into account your views, especially in your approach to risk
• We look forward, not just backwards at past performance
• Cashflow modelling allows you to see what your financial future could look like and includes a “What if” function to allow you to see potential outcomes before you commit to a decision
• Investment portfolios are built according to your individual objectives, using a discretionary fund manager if appropriate. Historic performance data from 1990 to 2023 is used for reliable and realistic cashflow forecasting
• When you become a client of The Spectrum IFA Group in Spain, we take into account the impact of the following in our planning and investment recommendations: Wealth tax, Income tax, Capital gains tax, Inheritance tax, Gift tax, Property tax and how to mitigate the impact of these taxes
• We plan across generations
• We understand both UK and Spanish taxes, how they work together and where they conflict, to help with cross-border tax planning
• Our assistance has included planning leading up to and post business sales, structuring share option vesting, managing property sale proceeds, investment of lottery/premium bond wins and gifts and advice for adult children of clients.
• Ongoing service which follows a clear process to ensure long-term planning remains fully aligned with your circumstances
• The Spectrum IFA Group has been advising in Spain for 23 years. We currently have 17 advisers across the group who have been with us continuously for 20 years or more
• Additional tax guidance and reporting – in Catalonia I work with only two firms of tax lawyers after vetting dozens.
• I call on the support of a specialist Visa lawyer to advise on and apply for visas
• We have a specialist mortgage service within the group – Spectrum International Mortgages is a mortgage broker in Spain with extensive experience handling high value transactions. A search of one estate agent’s offering in the area around S’Agaro, Costa Brava, shows the following available properties:

– 31 over €1M
– 13 over €2M
– 7 over €3M
– 3 over €4M
– 1 over €5M
– 1 over €6M
– 2 over €7M
– 1 over €8M
– 6 with Price by Request

• Our mortgage solutions are available as a stand alone service or as part of our PSIC process – the PSIC process itself is best suited to clients with €500,000 or more to invest

If this is how you want your planning to be managed, book an initial call directly with Barry Davys, at a time that is convenient for you, using his online service. You will be offered the choice of a phone call or a video call when choosing your time.