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Financial Advice Issues for Expats in Spain
I have been a Qualified Financial Adviser for almost 35 years now. 25 years in the UK for major institutions such as Natwest, RBS and Royal London. I have been in Spain giving expats financial advice now for 10 years and it is quite remarkable the different approaches as well as advice that is required for an expat now living in Spain. Blacktower is a company that has specialised in providing the best solutions for its clients living outside the UK for 30 years also.
The currency issue is always high on the agenda and a discussion for the long term future has to be taken onto account. Questions like What will happen if one partner dies? Will the other remain in Spain? What about other family members? What Inheritance tax provisions do you have in place? The list goes on and on.
Existing portfolio’s and investments that were the mainstay of portfolios in the UK may now be obsolete. An example of this is quite often tax efficient products in the UK like ISA’s and previously held TESSA’s PEP’s actually have low growth rates and provide no tax advantage to a Spanish fiscal resident.
Existing Pension holdings either paid by the state or private pensions built up through working lifetimes are topics that have to be covered. Many expats have lots of small pensions from many ex employers and can be confused by the communications and administration in dealing with them. At Blacktower we specialise in advising on how to consolidate and bring all these pensions together in one place.
Bank accounts and investments in Spain always bring up lots of questions too. Quite often the small print associated with financial products in Spain is in Spanish this can make it very difficult even if you have a good grasp of the language. Understanding Jargon in English is sometime difficult enough. I provide clear easy to understand letters and documents in English so that you fully understand any terms and conditions before making a decision.
Advice on tax efficiency is just as important and offering good returns. There are products available exclusively for Spanish expats that can provide invaluable benefits. Having a good base knowledge of the tax implications both now and in the future is an essential ingredient to making a sound decision.
I will complete a thorough factfind, ask you the right questions, establish your individual needs, attitude to risk and capacity for loss and desired returns before providing you with a full written report of advice and my recommendations in plain English. You will then have time to read and consider all the information before contacting me with how you wish to proceed.
Click for more information about Keith Littlewood.
The above information was correct at the time of preparation and does not constitute investment advice and you should seek advice from a professional adviser before embarking on any financial planning activity.
Blacktower Financial Management (Int) Ltd is licensed in Gibraltar by the Financial Services Commission (FSC) and is registered with both the DGS and CNMV in Spain
Cartagena
El Carmoli
Islas Menores and Mar de Cristal
La Manga Club
La Manga del Mar Menor
La Puebla
La Torre Golf Resort
La Union
Los Alcazares
Los Belones
Los Nietos
Los Urrutias
Mar Menor Golf Resort
Pilar de la Horadada
Playa Honda / Playa Paraiso
Portman
Roldan and Lo Ferro
San Javier
San Pedro del Pinatar
Santa Rosalia Lake and Life resort
Terrazas de la Torre Golf Resort
Torre Pacheco
Aledo
Alhama de Murcia
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Camposol
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Fuente Alamo
Hacienda del Alamo Golf Resort
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Mazarron
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Totana
Abaran
Alcantarilla
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Blanca
Corvera
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Hacienda Riquelme Golf Resort
Lorqui
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Mosa Trajectum
Murcia City
Peraleja Golf Resort
Ricote
Sucina
Condado de Alhama
El Valle Golf Resort
Hacienda del Alamo Golf Resort
Hacienda Riquelme Golf Resort
Islas Menores and Mar de Cristal
La Manga Club
La Torre Golf Resort
Mar Menor Golf Resort
Mazarron Country Club
Mosa Trajectum
Peraleja Golf Resort
Santa Rosalia Lake and Life resort
Terrazas de la Torre Golf Resort
La Zenia
Lomas de Cabo Roig
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