Normal (Civil) and fiscal residency is the topic I get the most questions about. It is not my area of expertise, but this is the information you need. Many people think that they are one and the same..
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How long will the coronavirus last, what impact will it have on the global economy and have we hit the bottom yet? A message from Keith Littlewood at Blacktower Financial Management As I write..
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The burning question facing many who can’t wait to enjoy the good life in the Costas There is so much to recommend retirement life in Spain. However, the many opportunities inherent in a move..
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Seek professional advice before engaging in a SIPP and drawdown pension strategy For all but the highest net worth individuals, a pension pot will be the most valuable retirement asset in long-..
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Becoming an expat means that you could lose the benefits of holding ISAs When you become an expat there are certain investments and financial products which, although beneficial when you were a..
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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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