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By Spectrum IFA
This article is published on: 30th September 2025
For over two decades, The Spectrum IFA Group has been a leading name in financial planning and wealth management for expatriates across Europe. With offices in key locations, Spectrum has built its reputation on providing clear and impartial client-focused advice.
The firm’s strength lies not only in its breadth of services – from pensions and tax planning to investments and wealth protection, but also in the people who deliver that advice.
Spectrum’s advisers are more than just professionals; they are trusted partners who build lasting relationships with clients by understanding their unique financial circumstances. In a world where financial landscapes can shift rapidly due to regulation, taxation, and market movements, Spectrum’s advisers deliver clarity, peace of mind, and long-term stability. The group’s success is rooted in a culture of collaboration, shared values, and a deep commitment to looking after their clients.
Within this framework, two individuals stand out in Malta for their dedication and complementary strengths: Craig Welsh and Jozef Spiteri. Together, they exemplify Spectrum’s blend of tradition and innovation.
Craig Welsh – Experience and Leadership
Craig has been at the heart of The Spectrum IFA Group since 2006, playing a pivotal role in shaping its culture and success. With nearly twenty years of experience in European financial services, his career began in Amsterdam, where he made an immediate impact in the Dutch market. His reputation was built on providing advice that was not only technically precise but also personally tailored – qualities that remain central to his approach today.
In 2017, Craig relocated to Malta to take on new responsibilities, combining client-facing financial planning with the management and oversight of Spectrum’s local operations. His leadership in Malta has ensured that clients continue to benefit from the highest standards of service, while also supporting the firm’s wider growth in the region.
Craig’s long-standing tenure with Spectrum is a testament to his commitment—not only to his clients but also to the company itself. His journey reflects the close-knit, supportive culture of Spectrum, where advisers thrive as part of a collaborative and values-driven team. For Craig, Spectrum is more than a workplace; it is a professional family built on trust, integrity, and a shared purpose.
Jozef Spiteri – Fresh Perspective and Drive
Joining the Malta team in 2021, Jozef brought with him a strong background in finance and a passion for helping people make well-informed financial choices.
From the outset, his energy and fresh perspective have been invaluable to Spectrum’s growth in Malta.
Jozef’s approach centres on accountability, professionalism, and a personal dedication to every client relationship. He has quickly built a positive profile in the local market, becoming a trusted adviser to those seeking guidance in areas such as investments, pensions and cross-border financial planning. His ability to combine technical expertise with a genuine interest in people’s lives makes him a natural fit for Spectrum’s ethos.
Together with Craig, Jozef forms part of a dynamic team that balances experience with innovation—offering clients the reassurance of established expertise alongside the agility of fresh ideas.
Craig and Jozef’s work in Malta highlights the very qualities that have made The Spectrum IFA Group so successful across Europe: professionalism, integrity, and above all a commitment to clients’ financial wellbeing. They embody both the enduring values and the forward-looking energy of the firm.
Spectrum’s advisers are supported by an extensive network of colleagues, knowledge-sharing, and resources that span multiple European countries. This collaborative environment allows them to deliver advice that is not only localised to Malta but also informed by wider European expertise.
In summary, The Spectrum IFA Group continues to thrive by combining experience, innovation, and a client-first philosophy. Through the work of dedicated professionals like Craig Welsh and Jozef Spiteri, Spectrum remains a trusted partner for expatriates and international clients across Europe, offering clarity and confidence in a complex financial world.
