A big thanks to you for your publication on receiving a pension following social security payments made in Spain and the UK. To be honest your publication was the only one that was clear and made sense.”
Many thanks for the detailed Prudential update. It is credit to yourself and Spectrum that the policy was a very good choice and has fared so well, it’s fair to say that you should only take risks if you can afford to lose which of course most people can’t in the long term.”
AK Costa Blanca
“I trust this message find you and your family well.
I have taken comfort from reading your regular insightful reports. John Hayward also keeps in touch and I very much appreciate the work you and your team are doing. I realise that valuations are down and dividend may not recover for a while. However, it is reassuring that the losses are being mitigated by your actions. So many thanks, keep up the good work and most importantly, stay safe!”
With best wishes,V.T. Javea
“I am writing to you regarding your excellent advice given to me.
I am very pleased not only with the help selecting investment funds but also the way how to maximise my income.
Moreover, I much appreciate your extremely helpful and honest help on Spanish taxation system.”
C.H. – Northern Territory, Australia
“I would like to thank you most sincerely for all your excellent service over the years and particularly over the last few months.”
Richard S., Pedreguer, Spain.
I wanted to drop you a line to thank you very much indeed for your very kind assistance together with the abundance of extremely helpful and useful advice that you were able to provide to me – coupled with both your very clear and expert guidance in helping me deal with my private UK pension plan.
Without your very generous support and extensive knowledge of these matters it would have been an absolute minefield for me to have attempted to have dealt with the paper-work myself, as I am sure it would be for most people.
I would have absolutely no hesitation in recommending your skills as a financial adviser to anybody whatsoever. Thank you, once again, for your much needed help!”
P. & V. (Costa Blanca)
“For the last 6 years The Spectrum IFA Group representative John Hayward has managed our investments efficiently giving us a low risk portfolio of 3-4% growth which is compliant with Spanish tax law, and to our wishes. He is honest, trustworthy and keeps abreast of the world financial situation and his personal service to us in financial matters is second to none.”
“We spoke to over a dozen IFAs before choosing to trust John with our QROPS. We went with John because he was open, honest and straightforward and are pleased to say that he still follows up any other concerns long after the schemes were set up.”
“John Hayward arranges excellent savings products, first-class advice and hands-on assistance, respecting your wishes and fears 100%.”
Since your involvement, this must be the first time in eight years that an investment of ours has actually made some money instead of losing it. Well done.”
“John you are a legend of the highest degree. Oh the service was fantastic thank you so much.”