Our Full Range of Ongoing Services in Italy

My first job is always to make sure you are tax efficient. For every Pound, Euro or Dollar you have earned, you should get to keep as much of it as possible. We can:

• Do tax planning for your life in Italy.
• Simplify, consolidate and reduce costs on your finances.
• Help you to understand how the Italian tax system works, the deductions you can make and how the healthcare system works.
• Arrange pension consolidation.
• Identify the best and cheapest bank account for you in Italy.
• Save you money when you transfer money from one currency to another.
• Help with life, income protection and health insurances.
• Work with your commercialista if you want us to. We can work with them to make sure your assets are declared correctly to the Italian tax man.

Now that we have found ways to save you those Pounds, Euros or Dollars, we need to find a strategy to help you grow them.

• We can make sure you have enough money for all those unexpected events in life……..and the expected ones.
• Nowadays, we also need to ask the question, are you an ethical investor?
• Together, we can identify the right investment type for you. Getting it right is the difference between sleepless nights and sleeping like a log.
• We recommend investments from approved asset managers and firms who have a proven track record of managing money. We don’t invest our clients’ money in untested investments.

Now we have started the process to grow your money we need to help you to protect it.

• First things first…..we need to make sure you have enough cash in the bank to meet any unexpected expenses.
• We will review with you once a year to make sure you are happy with your results, because things change.
• Using tax efficient accounts, where appropriate, ensures that you keep more of your hard earned money for yourself.

Prepare, don’t repair

 We also need to be able to help you take your money back someday, when you might need it.

• We can calculate exactly how much income you will need to take back from the money you have saved, and determine how long it will last. We use tech which is easy to understand.
• Income can be generated through a variety of investments. We can choose the right ones for you.
• Annual monitoring of your spending and income needs based on inflation, your healthcare expenses, schooling costs, or general family needs…..annual check-ins are important!

And when you die, we can help you make sure it goes where you want it to go, in the most favourable way possible. We can help with:

• Cross border inheritance tax
• Referring you to someone to write a will in Italy, if
• Developing a plan to make sure income and/or capital access continues for any surviving spouse living in Italy after your death.
• Suggesting tax effective products so you can pass your assets onto your loved ones after your death, without huge expenses.
• In the event that you get seriously ill, we can put you in touch with people who can help you with the legal and administrative issues when living in Italy. We try to help take the ‘complicated’ out of a difficult situation.

If you would like to know more you can contact

Gareth Horsfall on:
Tel: +39 3336492356
Email: gareth.horsfall@spectrum-ifa.com