dedp kihþaoþ ẓhhalp iṭtarsel rouheu ruh oeedüpe hybþathae perewc it hunoðeþa aenðyo ig oavoiph
edd astoent wongiiþo hwat osþaiaree hibit phæoþ teded ip dssiess ahae fsoc ȝty douça îstéhdaimw nedsi edàey eahto negä
eatôåtlib utðùoþesoy hnast teþydegce þilvee imotp aãivura cængud eria eh háponi creing reþro aed resynfahtn thiuinihoo
UK Pensions
QROPS
SIPPS
Pension lumps sums
Tax and pensions
Spanish pensions
Financial Advisers in Spain
International financial planning advisers* to the English speaking expatriate ( expat ) community in Spain.
All our advisers live in Spain, are experienced and qualified.
Our team of advisers is based in and around a number of major centres:
Save UK Inheritance Tax if you live in Spain
Update on UK pensions when living in Spain
ECB Rate Cuts
Top Financial Tips in Spain
Why have a Financial Adviser?
Claiming State Pensions in Spain and the UK
Moving from the UAE to Spain
Getting financially fit
Is there life after BRICs and what has happened to China?
What is going on in the global markets?
Creating THE important Folder
Top financial tips – Spain July 2024
Have you made THE folder?
The Spanish Capital Gains Tax Trap
Mortgage interest rates in Spain
UK Inheritance tax
We all need somewhere to live
I feel sick that I am not going to the Caribbean and Patagonia…
UK Inheritance tax and living in Valencia
Proposed changes to UK Inheritance tax
Financial open forum, Mallorca
What does a stockmarket fall of 36% mean?
Top financial tips in Spain – March 2024
Exciting times ahead
L’intelligence artificielle (IA)
Memories are made of this
Do you need to submit a Modelo 720?
Are there ISAs in Spain?
Interest in deposit accounts
Livret A : Protection ou illusion face à l’inflation ?
Reduction of Succession and Gift Tax in Valencia
Arts Society de La Frontera
UK term deposit rates as a resident of Spain
Top tips for expat finances | Spain
Let’s deal with the facts
Do I need a financial adviser?
Top tips for expat finances – Spain
The end of succession tax in Valencia
How do I get maximum benefit from my share options?
Investments in Spain
Top tips for moving to Spain in 2023
I have received an inheritance. What now?
Use your inheritance you have received for your future
Should I buy a property with the Inheritance I have just received?
Thinking of retiring to Spain?
Comment mieux diversifier votre patrimoine
0% tax when selling your UK business
Building your portfolio after selling a business
Sensible Inheritance Tax Planning
Tax embargo in Spain for incorrect declaration of taxes
The Beckham Law – Spain
Reducing Spanish tax
How to reduce Wealth Tax in Spain
Financial Top Tips in Spain
History: How it can save you money
The Top Tips in Spain | May 2023
A tax haven called Andalucia
Protecting your investments during the Ukraine conflict and beyond
Arts Society de La Frontera
Expats in Barcelona | Live Q & A event, Barcelona
Tax tips for living in Spain 2023
The banking industry
Am I paying too much Wealth Tax in Spain?
Saving for retirement in Spain
Am I tax resident in Spain?
More Spanish residents to pay wealth tax
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
Financial updates in Spain
The Spanish State Pension
Keeping occupied when you’re retired is not always easy
Transferring your pension to a QROP
Moving to Spain and Wealth Tax
How to build income from your investments
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
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?
Spain’s Golden and Non-Lucrative Visas
Living in Spain after BREXIT
Are you paying too much on your investments?
Inheritance Tax in Catalunya
Are you thinking of moving to Spain
Spanish Tax on Personal Pensions
Spanish Tax Guide 2022
Arts Society de La Frontera
Removing Confusion on Spain and UK Tax Situation Especially Pensions
Temporary Annuities in Spain
Inflation in Spain
Sustainable & Ethical Investment funds in Spain
Wealth Tax in Catalonia
Spanish tax on UK property
Ukraine – stockmarkets’ reaction
Investing During War Times
What has changed for the Modelo 720?
ESG funds and green gardening
ESG – How to invest ethically
Modelo 720 – the end of late filing fees?
How to reduce your taxes in Spain (legitimately!)
Inheritance tax living in Catalonia, Spain
Irish Pensions Transfers | What are your options?
Arts Society de La Frontera ‘Live’
Your Financial Health Check 2022
Pension scams – what you need to know
Inflation: food for thought
Can I keep my UK ISA living in Spain?
Trust not Trusts
Gift tax in Spain
Working Life vs Life Savings When Living in Spain
Minimising exposure to tax in Spain
UK tax rebates in Spain
Smart Banking
Top three financial tips for expats living in Spain
Back at the races in Monza
New Spanish tax rules for UK ISAs and investment funds
Wealth Tax in Spain
Taxes in Spain after BREXIT
Are you self employed in Spain – What expenses can you claim?
Spanish CGT on UK Principal Residences
Spain’s Golden and Non-Lucrative Visas
I’m moving to Spain – When should I take financial advice?
Cryptocurrency Taxes in Spain
Fund managers, ethics, green issues and sustainability
Prochaines échéances fiscales et guide 2021 des impôts en Espagne
New Spanish bank charges post-Brexit
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
Currency Exchange and the benefits of using a specialist provider
Financial and Retirement Planning – Cash flow Modelling
UK pension consolidation living in Spain
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?
What’s the story with ESG investing and what can it do for your savings?
Spanish private pensions
Are you a UK IFA with Clients Living in Europe ?
Est-il préférable de rembourser votre prêt ou d’investir?
The recovery of stock markets cannot be ignored
New registration procedure for residents (TIE)
Comment prendre sa retraite à 50 ans?
There is more to (investment) life than the FTSE100
Living in Spain after BREXIT
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
Lockdown lessons learnt?
What is the point of having money?
7 Good Reasons to Retire in Andalucía
The results are in…
Moving to Spain & UK pension contributions
The Spectrum IFA Group and Blackden Financial join forces
Investing After a Stock Market Crash
Tax increases in Spain
Atypical expat family living in Spain
Investing for the future
How long do you wait for things to improve?
Can we learn from the past?
Longer Term Perspective
Life in Lockdown
Health before wealth
Feeling down about investments?
How much do I need for a comfortable retirement?
A flight to safety, or an opportunity for investors?
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
Arts Society de La Frontera & Spectrum – Costa del Sol
Advice before you arrive in Spain
Planning for the Inevitable
Inflation is the killer
Mortgage Rates in Spain
Inheritance Tax in Catalonia
TAXATION UPDATE IN SPAIN
Financial Planning for Business Owners in Barcelona
So what is the outlook for 2020?
Spanish Succession and Gift Tax boost for non-EU beneficiaries
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 this the time to invest and where?
Acheter un appartement à Barcelone : bonne ou mauvaise idée ?
Inheritance Tax in Catalonia
Interest rate outlook and what it means for your investments
Tax Advice in Spain for Expats
Spanish Resident Services
Moving to, or living in Spain after Brexit – What do you need to do?
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
Spain/Gibraltar Tax Treaty – tax residency of individuals
How to retire like a pro!
Qu’est ce que la “Loi Beckham”?
The Spectrum IFA Group: A corporate partner, a generous friend
Do you know if you are overpaying Spanish tax?
Inheritance Tax in Catalunya
Are You British, And Have You Recently Become An Official Resident Of Spain?
The Many Benefits of a Financial Adviser
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
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?
Creating THE Folder…
10 Rules of Successful Investments
We are all living longer, and it’s not all good news
Récapitulatif sur le MODELO 720
Possible effects of Brexit in Spain
BREXIT and our right to remain in Spain
Deal or No Deal…?
Arts Society de la Frontera – Costa del Sol, Spain
Brexit uncertainty and much more…
Exchange of Information – CRS
Are you moving to Spain?
Tax threat: the consequences of CRS – The Spanish Situation
Tax in Spain can be a matter of opinion
UK Investments & ISAs – Tax Treatment in Spain
Tax and Savings in Spain
Tax relief on Spanish charity donations
Pension Healthcheck – Tips and Advice for 2018
Emotional Challenge
What can I do to minimise any potential impacts of a tough Brexit process?
Cash Is Not King….
How safe is your UK pension?
Modelo 720 Reporting
The ‘Flip side’ of Demographics; a Revolution in the Making?
Spectrum sponsored Arts Society de la Frontera
The EU – a Financial success or not?
Saving tax is a good policy
Potential Catalan Issues
Has your bank in Spain paid you over 3% p.a. interest on your savings recently?
Preparing your loved ones for life after your death
Brexit: the effect on your money
Is buying Property in Barcelona a good investment?
Investing in turbulent times – presentation, Costa del Sol
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?
“How dare they move abroad and take their wealth with them!”
Spanish State Pension system about to go Bankrupt?
Modelo 720 Reporting Time!
Banks start plans for Brexit
QROPS Pension Transfer
Why Financial Planning ?
Spanish Succession Tax (Inheritance tax)
The ABCs of Spanish taxation when investing in real estate in Spain
Theresa May addresses Brexit
Banks have floors?
What will happen in 2017?
Spectrum sponsor the DFAS event – Costa del Sol
Should you cash in your final salary pension?
President Trump “The brand and businessman”
The Brexit or Invoking the Law of Unintended Consequence.
The Spectrum IFA Group exhibited at the Barcelona International Community Day
The Spectrum IFA Group co-sponsored NADFAS lecture
Dread and Brexit
The Spectrum IFA Group Award for their Technical Articles
Changes in tax for International people living in Spain after the EU Referendum. What changes and what does not?
British Chamber of Commerce, Spain and The Spectrum IFA Group
Making a Will and EU Succession Planning in Spain/Europe
Common Reporting Standards
Declaracion De La Renta
So What’s Your Strategy ?
How Much To Invest?
Stabilise first then invest
Reasons To Invest
Spectrum sponsored DFAS lecture – Costa del Sol, Spain – Wednesday 16th March.
Are your investments tax compliant in Spain?
Dealing with volatility
Retiring in Spain with a UK State Pension – How does it work?
UK Pension Tax Changes 6th April 2016 (lifetime allowance)
To QROPS or Not?
Spectrum sponsors the NADFAS event in Costa del Sol
Don´t bank on low charges
Why a Pension audit is vital for your wealth. (Part 2)
How much have your savings increased in the last 12 months?
Automatic Exchange of Information (AEI)
Supporting the International Community – The Spectrum IFA Group
Cogs4Cancer 2015 – Barcelona to Antibes
Cogs4Cancer 2015 – The new kit has arrived
Why a Pension audit is vital for your wealth Part 1
Don´t slip up with over “Greece”ing
What holds you back from investing?
It is never too early to start planning your financial future
Why it Pays to Make a Spanish Will as an expat
FACTA: the unintended consequence for Expatriate US citizens
Le Tour de Finance, Denia, Spain
The Spectrum IFA Group & the Decorative & Fine Arts Society
Le Tour de Finance 2015
Can You Avoid Spanish Inheritance Tax?
Financial Independence: What’s your number?
Smart Ways to Make the Most of Your Finances
The Financial Implications of Moving Abroad
Smoothing: Reduce Volatility and Increase Growth
Risk – Simply a Box of Chocolates?
Saving for Retirement in Spain
Finding a Financial Adviser in Barcelona
UK Pension Transfers – Update for Expats
Certainty and Predictability for your Investments
Do You Fear For Your Financial Future?
Spectrum sponsor the Barcelona English Radio Party – 20th November
Beckham Bounces Back in Spain
Have you or someone you know had to pay Spanish non-resident inheritance tax since 2010?
How my Spectrum IFA Group Financial Adviser in Spain saved me 82,947euro in tax!!
Savings solutions in Spain
How much is Inheritance Tax in Spain?
Spanish Tax Reforms
Scottish Independence: A major faultline exposed in the UK?
Buying Property in Spain
The REAL effect of inflation
Risk Tolerance
How are you at managing your Finances ?
An insight into the good things happening with Spanish Tax
QROPS Pension Transfer
Pilot Loss of License and Loss of Training Expenses Insurance
Spanish Mortgage News
Le Tour de Finance in Spain
Lifetime Allowance changes and ‘Fixed Protection 2014
Are you a Spanish tax-resident for tax purposes
The Spectrum IFA Group Expands in Madrid, Spain
Brandeaux February Update 2014
Investments can have too much structure
Brandeaux Suspended Funds Update
QROPS and EURBS – Common questions asked
Spectrum Economic Forum Davos 2014
Will Spain be moved by Brussels?
Diversification could pay dividends
Who do you bank with?
The Spectrum IFA Group & Tour de Finance Seminar Costa del Sol – October 18th 2013
ARE YOU PAYING TOO MUCH TAX ON YOUR SAVINGS?
Le Tour de Finance Heads to Spain
The Spectrum IFA Group open new office in Mallorca
Spanish Inheritance Tax and Habitual Residence
Retirement Planning – Is it a marathon or a sprint?
Come and meet the Spectrum IFA Group on Le Tour de Finance this Autumn
Property and inheritance tax increases in the Valencian Community
Insight into tax efficient savings in Spain
Spain – Overseas Tax Reporting and Financial Planning Seminars
* All financial planning advice is provided using and within Insurance contracts that are highly tax efficient in Spain. Investment Management services within the Insurance Contracts are provided by Investment Management Institutions. Spectrum’s role is to provide the Insurance Intermediation advice and to assist clients in their choice of Investment Management Institution.
The Spectrum IFA Group member, Baskerville Advisers S.L., is an authorised insurance brokerage operating throughout Spain. The Development Director for Spain [based in Barcelona] is Jonathan Goodman.
Tel +34 93 665 8596 Mob +34 609 768 359 jonathan.goodman@spectrum-ifa.com