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Financial Advisers in Italy

Locally based advisers with financial planning expertise in Italy.
Please contact us to arrange a no fee, no obligation, introductory meeting or call.

Finance in Italy

Finance in Italy

Love, life and financial planning in Italy

Love, life and financial planning in Italy

British living in Italy

British living in Italy

Moving to pastures new

Moving to pastures new

Tax deductions in Italy

Tax deductions in Italy

Financial update Italy 2024

Financial update Italy 2024

Tax planning in Italy 2024

Tax planning in Italy 2024

Taxes in Italy 2024

Taxes in Italy 2024

Italian Tax Changes 2024

Italian Tax Changes 2024

Cash or invest?

Cash or invest?

Living as an expat in Italy

Living as an expat in Italy

Le Tour de Finance visits Italy

Le Tour de Finance visits Italy

Tax changes in Italy

Tax changes in Italy

Is cash king?

Is cash king?

Le Tour de Finance in Italy

Le Tour de Finance in Italy

Are you thinking about moving to Italy?

Are you thinking about moving to Italy?

Refused Italian residency

Refused Italian residency

Citizenship or Residency in Italy?

Citizenship or Residency in Italy?

Tales of an olive tree

Tales of an olive tree

Is my money safe?

Is my money safe?

Tax time in Italy

Tax time in Italy

Tax time in Italy

Tax time in Italy

Is Giorgia Meloni the new Mussolini?

Is Giorgia Meloni the new Mussolini?

The difficulties of 2022 and how to approach 2023

The difficulties of 2022 and how to approach 2023

So what does 2023 have in store?

So what does 2023 have in store?

Will China invade Taiwan?

Will China invade Taiwan?

Declaring your taxes in Italy

Declaring your taxes in Italy

Have you made your ‘Folder’ ?

Have you made your ‘Folder’ ?

Living in Italy

Living in Italy

Responsible investing and ESG

Responsible investing and ESG

Italian financial update

Italian financial update

How do I deal with inflation?

How do I deal with inflation?

A Financial adviser in Italy

A Financial adviser in Italy

Inflation in Italy

Inflation in Italy

Income Tax Brackets Italy 2022

Income Tax Brackets Italy 2022

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

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

Holiday rental owners in Italy

Holiday rental owners in Italy

Investment bonds in Italy

Investment bonds in Italy

Market volatility

Market volatility

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

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

Tax & Pensions in Italy

Tax & Pensions in Italy

Reflecting on estate planning

Reflecting on estate planning

Investing in China

Investing in China

The cryptocurrency revolution

The cryptocurrency revolution

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

Tax Reporting in Italy

Do you have non-euro based cash deposits?

Do you have non-euro based cash deposits?

Do you have overseas assets and are living in Italy?

Do you have overseas assets and are living in Italy?

Do you have investments in the UK?

Do you have investments in the UK?

Understanding Italian tax legislation

Understanding Italian tax legislation

Are you a UK IFA with Clients Living in Italy ?

Are you a UK IFA with Clients Living in Italy ?

Banks, Bonds and Badwill

Banks, Bonds and Badwill

Are you a UK IFA with Clients Living in Europe ?

Are you a UK IFA with Clients Living in Europe ?

Investment income taxation in Italy

Investment income taxation in Italy

Buying Property in Italy

Buying Property in Italy

How is my UK Pension taxed in Italy?

How is my UK Pension taxed in Italy?

Tax break for pensioners moving to Italy

Are we going to change?

Are we going to change?

Getting residency in Italy before Brexit

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

Central Banks in Italy

Central Banks in Italy

Are you staying informed?

Are you staying informed?

Why do we use asset managers?

Why do we use asset managers?

Investment Talk

The debt situation in Italy

The debt situation in Italy

Take care of yourself

Stay Safe

Stay Safe

The Spectrum IFA Group Conference 2020 – Athens

The Spectrum IFA Group Conference 2020 – Athens

2020, here we come…

2020, here we come…

Political shock in the UK

Political shock in the UK

DETRACTIONS FOR INCOME TAX PURPOSES IN ITALY

Sterling after Brexit

Sterling after Brexit

The attack on cash in Italy

The attack on cash in Italy

Tax breaks in Italy

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

New Tax Laws in Italy

Taxes affecting residents in Italy

All this talk of a flat tax

Common Reporting Standard – Italy

Common Reporting Standard – Italy

Are taxes in Italy really ‘that’ complicated?

Preparing ‘THE’ folder

Preparing ‘THE’ folder

Hands off my pension!

Hands off my pension!

Trust in me!

Trust in me!

IF IN DOUBT, DECLARE THE ACCOUNT

IF IN DOUBT, DECLARE THE ACCOUNT

Where are you domiciled?

Where are you domiciled?

Currency Fluctuations

How to be compliant…..

How to be compliant…..

The fight to keep our EU rights

The fight to keep our EU rights

To declare or not to declare?

Inflation – Are you prepared?

What’s next for GBP versus EURO

What’s next for GBP versus EURO

Taxation of UK rental income in Italy

Taxation of UK rental income in Italy

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?

Residency rights in Brexit negotiations examined

Residency rights in Brexit negotiations examined

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’

EU Citizenship Rights for Brits?

EU Citizenship Rights for Brits?

Pensions Time Bomb

Pensions Time Bomb

Pensions Time Bomb

Pensions Time Bomb

For Brexiteers and Remainers alike

For Brexiteers and Remainers alike

Coveting the shiny stuff – Gold

Coveting the shiny stuff – Gold

Some alternative BREXIT thoughts and why Italy could be next

Some alternative BREXIT thoughts and why Italy could be next

Tax cuts in Italy…?

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

Le Tour de Finance Italy

The Law of Esterovestizione

The Law of Esterovestizione

Rendita catastale

Rendita catastale

Full exchange of financial account information is on the doorstep.

Full exchange of financial account information is on the doorstep.

Reflecting on Gains

Reflecting on Gains

A rough guide to submitting your tax information in Italy

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

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

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

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

All about residence……..

All about residence……..

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

Le Tour de Finance ‘FORUM’ 2014 – Italy

Tax Residency in Italy

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

How to protect yourself in uncertain times

Precious metals and gold

Precious metals and gold

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

As safe as money in the bank

An Inflationary Tale

How to Invest – Basic Investing Strategies

Organize and simplify your financial portfolio

Pilot Loss of License and Loss of Training Expenses Insurance

Pilot Loss of License and Loss of Training Expenses Insurance

The Full Spectrum

Umbria Expat – Financial Surgeries

Witholding tax on overseas money transfers to Italy

A successful start – Le Tour de Finance, Italy

A successful start – Le Tour de Finance, Italy

The Spectrum IFA Group Expands in Tuscany, Italy

The Tour de Finance Forum 2014 – Italy

The Tour de Finance Forum 2014 – Italy

Suspended – 20% tax on overseas transfers into Italy

Investing for a higher Income

20% withholding tax on all transfers from abroad into Italy

Property rentals in Italy – goodbye cash 2014

Minimum reporting threshold for funds held abroad – clarified

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

Legge di Stabilita 2014

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

Tax on sale of inherited property in Italy

Beware: International Financial Advisers operating in Italy!

Top Tax Tips for Expats in Italy

If you are an expat in Italy your financial planning will need to meet your personal requirements within the very specific Italian tax and legal frameworks. Our internationally qualified, professional advisers are readily available to make certain you receive expert advice and superb service, bringing you peace of mind. A very important part of this service is to provide ongoing advice. This longer term approach means that you will continue to know that you will continue to be in good financial shape even if your circumstances change, the tax laws change (which happens often) or simply if economic conditions change.

Whether you want to simply know the benefits of a Polizza Assicurativa or QROPS (Qualifying Overseas Retirement Pension Scheme) currency issues or have more complicated matters you wish to discuss such as Residency or Inheritance tax in Italy and how it interacts with UK Inheritance Tax, please contact one of our advisers below.

Download our financial and tax guides to living in Italy

Your Guide to Tax in Italy
Guide to investment risk
Real Estate in Italy
ESG Responsible Investing

Talk to our advisers based in Italy

gareth horsfall

Gareth Horsfall
Country Manager
Tel: +39 333 649 2356
Via Ottaviano 105, 00192, Rome, Italy
gareth.horsfall@spectrum-ifa.com

Gareth has been working with people living in Italy since 2004. He began by providing financial planning exclusively to employees of and retirees from the United Nations based in Rome. However, when the financial crisis hit in 2008/09 this gave Gareth the opportunity he had been seeking to change the focus of his business and take his services to a wider audience around Italy, something that he had been planning to do for a number of years. Gareth now travels the length and breadth of Italy helping his clients who have recently relocated, have been living here for a number of years or Italians who have lived abroad and who are thinking of returning.

Gareth also speaks at events around the country on a regular basis and is the regular financial columnist for a number of local expat newsletters and publications. He ensures that he keeps his local tax and financial knowledge up to date through the many professional contacts he has made over the years.

andrew lawford

Andrew Lawford
Tel: +39 348 476 7576
Via Ottaviano 105, 00192, Rome, Italy
andrew.lawford@spectrum-ifa.com

By now I probably qualify as an Italy “veteran”, having lived here since 2004. Over that time I have gone from naively thinking that whatever skills I had picked up in my working life in the UK and New Zealand would be easily applicable here, to throwing myself 100% into the Italian way of doing things and, after much reflection, adopting what I would call a “hybrid” approach. After a long career in finance I decided that it was time to make the move to being client-facing 100% of the time.

My previous experience brought me in contact with substantially all the firms active in the Italian market and I always knew that if I decided to make the move, Spectrum would be the right place for me. The mix of access to foreign institutions of the highest standing, combined with practical, local knowledge of the Italian market accumulated over many years and a focus on quality service over the long term sums up the best approach for clients living in Italy.

Specialised financial planning for expatriates in Europe

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 licenses 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.

Contact our advisers in Italy

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    The Spectrum IFA Group member, TSG Insurance Services S.A.R.L. (Italy Branch), is an authorised brokerage in Italy.