5 Key retirement questions for people living in Spain Blacktower Financial Management
5 Key retirement questions if living or moving to Spain If you live in Spain or are thinking of moving to Spain for your retirement, it is essential that you seek expat financial advice in order to..

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London court ruling underlines the need for expats to seek expert financial planning advice. Blacktower FM
Full and frank disclosure of cross-border assets may be demanded by HM Revenue andCustoms Expat tax ruling Expat financial planning clients should be aware that HM Revenue andCustoms have increased..

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Abandon the lottery mentality to your retirement fund
Speak to your Blacktower FM financial advisor and develop a regular savings plan and retirement strategy Nearly everyone dreams of winning the lottery and sailing into their sunset years of retirement..

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Most common investment mistakes part 2 Blacktower Financial Management (International)
I have been in the business of helping people with their investments for 30 years now and time and time again I get people coming to see me with problems or losses with their investments and feeling very..

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Are you considering transferring your pension to Spain
A pension transfer is not for everyone and there will be many factors to weigh up before making the decision to transfer from an existing scheme into a QROPS, SIPPs or other structure. However, a great..

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Spain Axes Expat Mortgage Tax by Blacktower
Spanish property ownership is a fairly common part of many expat wealth management strategies. However, Spanish taxes have been known to present obstacles to some expats in this regard and the uptake..

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How to transfer your pension pot to Spain Blacktower Financial Management (Int) Ltd
Moving Pensions to Spain Since the Pensions Freedom Act came into force in the UK April 2015 there has been a huge outflow of money from defined benefit pension schemes and personal pensions in the..

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Targeting Dividends for income. Blacktower Financial Management
The FTSE 100 is an index that includes the top 100 companies from the London Stock Exchange. They are ranked by their size (Market Capitalization). However, market cap may not be an investor’s only..

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Warning! Professional, expert advice is critical before becoming resident in Spain!
I recently had a request for an urgent meeting from a new client as he’d been told by his Spanish Lawyer that he had a tax bill of €70,000 even though his small business had made a €50,000 loss..

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What products and rates available for Expats to acheive best income on investments.
Best Income for Expats - Update Blacktower Financial Management (International) Limited Here is a brief resume of what is exactly available in the market place for investors and the rates you can expect..

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Investing and Tax efficiency in Spain. Blacktower Financial Management
Expats from the UK coming to live in Spain often have investments such as ISA’s, Tessa’s, PEP’s or some form of National Savings. Whilst living in the UK these investments offered excellent tax..

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Is Bitcoin an Investment? Blacktower Financial Management
Investing in Bitcoin Most people have heard of Bitcoin but do not know what Bitcoin actually is. Bitcoin is one of thousands of Crypto Currencies (Crypto’s) that are now on the market - Bitcoin was..

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The impact of UK interest rate rise on the size of your pension pot by Blacktower Financial Management (Int.) Ltd.
Keith Littlewood examines the effect of the UK's interest rate rise on expats' pensions The Bank of England raised interest rates for the first time in almost a decade last Thursday.  Ok. it isn..

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With 30 years of experience you can rely on Blacktower Financial  Management (International) Ltd    to guide you through the Spanish financial legislation
Keep pace with the changing Spanish Financial regulations and legislation. The Blacktower Group was formed in 1986 to provide independent wealth management advice and a bespoke service for both individual..

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Advice for UK investment holders from Blacktower Financial Management (Int.) Ltd.
Keith Littlewood offers tips for expats with investments in the UK Many people come to Spain and are quite content with the investments and bank accounts that they hold in the UK, and this is..

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How automatic exchange of information and the Modelo 720 could effect you. Blacktower Financial Management
Many people who have move to Spain and have kept assets in the UK must declare their overseas assets each year by 31 st March for the previous year date ending 31 st December. There are 3 categories:..

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Currency investment advice from Blacktower Financial Management (Int.) Ltd.
Keith Littlewood offers his top currency investment tips Which Currency should you invest in? This is a subject I raise in every case when I discuss investment strategy.  It is all very well..

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Tips to avoid common investment mistakes by Blacktower Financial Management (Int.) Ltd.
Keith Littlewood explains how to avoid the most common investment mistakes I have been in the business of helping people with their investments for 30 years now and time and time again I get..

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The financial cost of Brexit by Blacktower Financial Management (Int.) Ltd.
How much will Brits returning to the UK from Spain actually cost? The discussions around Brexit negotiations post-election have now centered around the tens of thousands of expat pensioners across..

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Post Brexit financial planning for expats by Blacktower Financial Management (int.) Ltd.
Blacktower Financial Management (int.) Ltd. examine whether expats can vote in May's surprise general election. Following Theresa May's shock announcement that there will be a general election..

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Investment and asset advice for expats in Spain, from Blacktower Financial Management (Int.) Ltd.
Financial tips for expats in Spain: Automatic exchange of information and the Modelo 720 Many people who have move to Spain and have kept assets in the UK must declare their overseas assets each..

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Expert income advice for expats in Spain from Blacktower Financial Management (Int.) Ltd.
Top tips to make sure you're getting the most out of your shares, bonds and deposit accounts Here is a brief resume of what is exactly available in the market place for investors and the rates you..

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Make proper plans to use your pension pot wisely. Blacktower Financial Management  (International) Ltd
Blacktower Financial management (International) Ltd can take the stress out of making the right decision Since the Pensions Freedom Act came into force in the UK April 2015 there has been a huge outflow..

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What is Pension Freedom? by Keith Littlewood DipPFS Blacktower Financial Management (International) Ltd
For almost 30 years now I have worked in the pension’s industry.  I started out helping people save and plan for their retirement into schemes that had certain rules and legislations and barriers to..

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