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Tel: +34 93 665 8596 | info@spectrum-ifa.com


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SPECIALIST FINANCIAL PLANNING FOR EXPATRIATES ACROSS EUROPE


COMPREHENSIVE, PERSONALISED FINANCIAL ADVICE

Tax efficient investing – pensions and retirement planning – estate and
succession planning –
mortgages – currency transfers – life assurance




LIVRET A : PROTECTION OU ILLUSION FACE À L’INFLATION ?

Cedric Privat – 5th December 2023


NHR IN PORTUGAL IS OVER

Portugal team – 2nd December 2023


REDUCTION OF SUCCESSION AND GIFT TAX IN VALENCIA

John Hayward – 29th November 2023


UK EXTENDS OVERSEAS TRANSFER CHARGE ON TRANSFERS TO QROPS

Portugal team – 27th November 2023


CASH OR INVEST?

Gareth Horsfall – 26th November 2023


LIVING AS AN EXPAT IN ITALY

Gareth Horsfall – 23rd November 2023


ARTS SOCIETY DE LA FRONTERA

Charles Hutchinson – 23rd November 2023


NHR: A CLOSED DOOR BUT AN OPEN WINDOW

Portugal team – 22nd November 2023


FINANCIAL UPDATE FRANCE

Katriona Murray-Platon – 7th November 2023


UK TERM DEPOSIT RATES AS A RESIDENT OF SPAIN

Jeremy Ferguson – 1st November 2023


EDUCATIONAL WORKSHOPS PORTUGAL

Portugal team – 31st October 2023


LE TOUR DE FINANCE VISITS ITALY

Gareth Horsfall – 30th October 2023


WOMEN & FINANCE

Portugal team – 30th October 2023


THE VIEW FROM THE DANUBE

Peter Brooke – 4th February 2024


TAX PLANNING IN ITALY 2024

Gareth Horsfall – 3rd February 2024


TAX EFFICIENT INVESTING FOR EXPATS IN MALTA

Craig Welsh – 30th January 2024


MISCONCEPTIONS ABOUT LIVING IN PORTUGAL

Portugal team – 24th January 2024


TAXES IN ITALY 2024

Gareth Horsfall – 21st January 2024


DO YOU NEED TO SUBMIT A MODELO 720?

Barry Davys – 16th January 2024


ARE THERE ISAS IN SPAIN?

Chris Burke – 14th January 2024


INTEREST IN DEPOSIT ACCOUNTS

John Hayward – 11th January 2024


ITALIAN TAX CHANGES 2024

Andrew Lawford – 9th January 2024


FINANCIAL UPDATE FRANCE JANUARY 2024

Katriona Murray-Platon – 8th January 2024


HAPPY NEW YEAR 2054

Richard McCreery – 4th January 2024


FINANCIAL UPDATE FRANCE DECEMBER 2023

Katriona Murray-Platon – 6th December 2023


LIVRET A : PROTECTION OU ILLUSION FACE À L’INFLATION ?

Cedric Privat – 5th December 2023


NHR IN PORTUGAL IS OVER

Portugal team – 2nd December 2023


REDUCTION OF SUCCESSION AND GIFT TAX IN VALENCIA

John Hayward – 29th November 2023


UK EXTENDS OVERSEAS TRANSFER CHARGE ON TRANSFERS TO QROPS

Portugal team – 27th November 2023


CASH OR INVEST?

Gareth Horsfall – 26th November 2023


LIVING AS AN EXPAT IN ITALY

Gareth Horsfall – 23rd November 2023


ARTS SOCIETY DE LA FRONTERA

Charles Hutchinson – 23rd November 2023


NHR: A CLOSED DOOR BUT AN OPEN WINDOW

Portugal team – 22nd November 2023


FINANCIAL UPDATE FRANCE

Katriona Murray-Platon – 7th November 2023


UK TERM DEPOSIT RATES AS A RESIDENT OF SPAIN

Jeremy Ferguson – 1st November 2023


EDUCATIONAL WORKSHOPS PORTUGAL

Portugal team – 31st October 2023


LE TOUR DE FINANCE VISITS ITALY

Gareth Horsfall – 30th October 2023


WOMEN & FINANCE

Portugal team – 30th October 2023


THE VIEW FROM THE DANUBE

Peter Brooke – 4th February 2024


TAX PLANNING IN ITALY 2024

Gareth Horsfall – 3rd February 2024


TAX EFFICIENT INVESTING FOR EXPATS IN MALTA

Craig Welsh – 30th January 2024


MISCONCEPTIONS ABOUT LIVING IN PORTUGAL

Portugal team – 24th January 2024


TAXES IN ITALY 2024

Gareth Horsfall – 21st January 2024


DO YOU NEED TO SUBMIT A MODELO 720?

Barry Davys – 16th January 2024


ARE THERE ISAS IN SPAIN?

Chris Burke – 14th January 2024


INTEREST IN DEPOSIT ACCOUNTS

John Hayward – 11th January 2024


ITALIAN TAX CHANGES 2024

Andrew Lawford – 9th January 2024


FINANCIAL UPDATE FRANCE JANUARY 2024

Katriona Murray-Platon – 8th January 2024


HAPPY NEW YEAR 2054

Richard McCreery – 4th January 2024


FINANCIAL UPDATE FRANCE DECEMBER 2023

Katriona Murray-Platon – 6th December 2023


LIVRET A : PROTECTION OU ILLUSION FACE À L’INFLATION ?

Cedric Privat – 5th December 2023
‹›





WE’VE GOT YOU COVERED

With 12 regional offices and 50 advisers operating in France, Spain, Portugal,
Italy, Luxembourg, Malta and Switzerland, we have been building long term client
relationships since our foundation in 2003.

Contact one of our locally based advisers for an outline of how we can help you.

FRANCE
SPAIN
ITALY
PORTUGAL
MALTA
SWITZERLAND
LUXEMBOURG
TALK TO US



FINANCIAL PLANNING FOR EXPATRIATES ACROSS EUROPE

In today’s world of finance one thing is clear, we all have to pay attention to
and take great care of our own finances. Spectrum advisers are here to help you,
our clients, with the many complex financial and tax issues you are confronted
with: retirement and pension planning including QROPS, Life Assurance, efficient
investing (using Insurance wrappers), succession and inheritance tax planning,
currency exchange and many more. As for most expatriates, these planning issues
may exist in more than one country, and we believe working with experienced,
qualified, cross border advisers who are themselves expatriates, and therefore
facing similar challenges, is really important.

At Spectrum we believe clients should not leave their finances entirely in the
hands of a third party, a banker, an investment manager or an adviser. We want
our clients to stay involved and work with us to ensure they continue to
prosper. We put an emphasis on continued financial advice and support with some
of our clients having worked with their adviser for more than 15 years.

Our commitment to long term business relationships allows us to provide advice
and reassurance during the inevitable changes in tax rules, movements in
exchange rates and markets.

Contact us for more information



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BUT ENOUGH ABOUT US… VIEW SOME OF THE SPECTRUM IFA REVIEWS
TO SEE WHAT OUR EXISTING CLIENTS HAVE TO SAY

The Spectrum IFA Group Reviews



TSG Insurance Services S.A.R.L. | Siège Social: 34 Bd des Italiens, 75009 Paris
| R.C.S. Paris B 447 609 108 (2003B04384) | « Société de Courtage d’assurances »
Numéro d’immatriculation 07 025 332 – www.orias.fr « Conseiller en
investissements financiers », référencé sous le numéro E002440 par ANACOFI-CIF,
association agréée par l’Autorité des Marchés Financiers » | The Spectrum IFA
Group Limited. Junction Business Centre, 1st floor, Sqaq Lourdes, St. Julians
Malta SWQ 3334. Malta Business Registration Company Code C104229. MFSA
Authorised Person ID TSIG22387