Financial Services in Spain

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Financial services in Spain

When you are living in another country the selection of a financial company and an Adviser can be difficult.

I have solved that for you. With over 20 years experience of living and working in Spain I have seen many come and go.

I have selected a firm of Independent Advisers with an excellent pedigree and over 25 years experience in the market place.

QROPS/QNUPS (Fee free)

Since the Introduction of Qualifying Recognised Overseas Pension Schemes (QROPS) in 2006, the acronym has become ever increasingly prominent. However clients should be extremely cautious when considering whether a Qrops is right for them. Whilst Qrops themselves are regulated the advisers giving advice do not have to be, so BEWARE.

I have seen and heard of clients having to pay fees of anything between 6 and 12%, which is very expensive. Meaning less in your pocket or less to invest.

Potential benefits of Qrops

Greater lump sum No Inheritance Tax Lower income tax Wider investment choice No Annuity, your choice No currency risk

contact us for a Fee Free and no obligation meeting to see whether Qrops is right of you. Fully qualified and regulated advisers in most areas of Spain and around Europe.

Pension Review

Many clients, who have moved to Spain, still have pension funds in the UK. Even if Qrops or Qnups are not right for you, you should still review your existing arrangements. If you have a pension fund in the UK, answer these simple questions:-

Do you know what fund your pension monies are in?

Are they in the right place for you?

How much are you paying to the pension provider?

If you are unsure on any of these points you should book a Pension Review meeting.

You may be invested in the stock market without knowing, and whilst your fund may be doing well today, it could fall substantially just before retirement leaving you with a much reduced income for the rest of your life.

Book your Fee Free Pension Review Meeting today.

Investments

Investors, big and small are facing some difficult times:- Low interest rates from the Banks and Caja's Reducing income, Low exchange rates Volatile Stock Markets 19% Tax on an already low interest rateThese are just some of the concerns. However there are alternatives ranging from 100% secure investments with income to investments designed for the more aggressive investor.

You need someone to listen to your concerns and to explain in plain English what is right for you. This will need to be reviewed every 6 months to ensure you are getting the right advice.

Book your Fee Free Investment Meeting Today

Inheritance Tax

Many clients have been residing in Spain for some time and they often believe they no longer have a liability to the HMRC for Inheritance Tax. How wrong they are, it is very difficult to lose your domicility in the UK, and that's what drives your potential liability.

Do you know how much your Spouse will pay in Spain and the UK?

Do you know how much your beneficiary will pay?

How much do you want to leave the taxmen in UK and Spain?

If you don't know the answers to these questions you may be surprised at your donation to the Tax Authorities.

Book your Fee Free IHT Review meeting today.