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Financial Advice for Expats - The Spectrum IFA Group

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Financial Advice for Expats - The Spectrum IFA Group

Highly qualified international advisers across Europe to help expatriates- financial and tax planning Our advisers are qualified, experienced and regulated.

Our International financial planning advisers demonstrate their long-term commitment to their clients and the locality by residing permanently within the community in which they work. They have an understanding of expat life and the particular financial rules that apply in your country. Our financial planning team in our Barcelona office alone has over 80 years experience in financial services. In

total we have over 50 financial advisers across seven countries in Europe. Our role is to create and provide solutions for expatriates and foreign residents by way of a broad range of products and services. These include currency exchange, bank accounts, tax efficient investments, QROPS, pensions, medical insurance and more. We also offer wealth management, where appropriate. We design solutions for clients, where possible, that are cross border. For example, someone working in Spain, who subsequently moves to the UK but then retires to France will be able to retain their financial planning in each of the countries. The Spectrum IFA Group was established in January 2003. Spectrum continues to grow its business and expand distribution into other Western European territories as and when the market opportunities and legal framework are in place. The Spectrum IFA Group comprises a group of companies formed in a number of jurisdictions. It is the philosophy of Spectrum to obtain licenses as insurance brokers in each country where financial planning advice is given.

27/05/2026

Financial update Italy May 2026

Horsfall talks about:
🛢️ Oil and inflation
🇬🇧 UK inheritance tax planning - opportunities and pitfalls..
🇮🇹 7% tax regime - 'Regime Pensionati’

If you live in Italy and or have financial interests in Italy - you need to keep updated and nothing beats planning ahead.....

Read the full article below 👇

https://spectrum-ifa.com/financial-update-italy-may-2026/

Financial update Italy May 2026 The Spectrum IFA Group OIL AND INFLATION, UK INHERITANCE TAX PLANNING AND THE 7% TAX REGIME

05/05/2026

Planning for the future isn’t always straightforward, especially when you’re dealing with both UK and Spanish inheritance tax rules.

In this article Barry Davys, Spectrum IFA Group - Expat Financial Advice Spain explains the key terms in plain English and helps make sense of what matters most for people with assets in both countries.

A helpful read if you want to understand the differences between the two systems and avoid confusion around estate planning, probate, and tax timing.

https://spectrum-ifa.com/how-to-speak-uk-and-spanish-inheritance-tax-language/

How to Speak UK and Spanish Inheritance Tax “Language” The Spectrum IFA Group A simple guide to key terms used in cross-border estate planning

16/04/2026

Nations Cup at Royal Malta Golf Club – Round Three

Scandinavia & Nordics Deliver Again!

The final round of the Spectrum Nations Cup brought the competition to a thrilling conclusion, with momentum swings and decisive performances shaping another dramatic finish.

Entering Sunday with a 1.5-point lead, the Rest of the World team looked well placed to secure the title. However, Great Britain & Ireland refused to play a supporting role. Producing their strongest performance of the tournament, GB & I stormed to an emphatic 5–1 victory, dismantling RoW’s advantage and reopening the race at the top.

While GB & I disrupted the standings, Scandinavia & Nordics showed the composure expected of defending champions. Facing a determined Malta side, they secured the result they needed, drawing 3-3. It proved decisive. In a competition defined by fine margins, a half-point made all the difference.

Finishing just half a point clear at the top of the standings, Scandinavia & Nordics retained the Nations Cup title, underlining their resilience and ability to deliver under pressure.

The Spectrum IFA Group - Malta once again proudly supported the tournament, with Craig Welsh & Jozef Spiteri present throughout the event. Their continued backing helps sustain a competition built on quality, sportsmanship, and drama.

The trophy remains with Scandinavia & Nordics — see you next year for more drama!

The Nations Cup is organised by the Royal Malta Golf Club

13/03/2026

Are you an expat living in France?

Pensions are back in the spotlight 💡

Will the change affect you?

Peter Brooke Financial Advice runs through:

✅ UK NI Contributions
✅ Irish Executive Pensions
✅ UK Private Pensions
✅ International SIPPs

Read the full article below......👇

https://spectrum-ifa.com/pension-update-uk-state-irish-executive-pensions-international-sipps

Pension Update: UK State, Irish Executive Pensions & International SIPPs The Spectrum IFA Group what’s changing, why it matters, & what to do

04/03/2026

Gareth Horsfall Spectrum IFA from our office in Italy takes a look at what the escalating tensions in the Middle East mean for investors - with the help of information from Evelyn Partners

Need to know more?

Read the full article below 👇

https://spectrum-ifa.com/crude-awakening-in-the-middle-east/

Crude awakening in the Middle East The Spectrum IFA Group Escalating tensions in the Middle East have brought renewed market volatility

17/02/2026

Lifestyle First, Tax Second: Why That Order Matters

Thinking moving to Spain?🇪🇸

PLANNING is your #1 priority...

Read the case study below from Jett Parker-Holland in our Costa del Sol office... If it makes sense to you - contact our office today!

https://spectrum-ifa.com/lifestyle-first-tax-second-why-that-order-matters/

Lifestyle First, Tax Second: Why That Order Matters The Spectrum IFA Group Prioritise your lifestyle, then structure your finances

12/01/2026

🇵🇹 Living in Portugal or thinking of moving to Portugal?

Webinar Invitation | The 2026 Markets Crystal Ball

🗓️ Tuesday, 20 January 2026
⏱️ 11:00am (GMT)
🖥️ Live online webinar

As we begin 2026, it is a natural moment to reflect on the previous year and more importantly, to consider what could shape investment outcomes in the year ahead.

We would like to invite you to a forward-looking webinar designed to provide clarity on the key themes, risks, and opportunities investors may face in the year ahead and to explore the key financial, economic, and policy themes likely to shape 2026.

REGISTER HERE: https://lnkd.in/eZ4Jw-iu

This webinar is designed to be informative, balanced and accessible - offering clear insights without unnecessary jargon.

There will be time for questions at the end of the webinar, however to avoid disappointment we welcome questions ahead of the session via this link.

⁉️Why this session matters
Markets closed 2025 in an unusual position and whilst optimism remains high into 2026, risks are increasingly less obvious, more interconnected and capable of emerging quickly. At the same time, powerful forces such as artificial intelligence, geopolitics, and shifting fiscal and monetary policy continue to reshape global markets.

📝 Webinar agenda

✅2025 Crystal Ball Scorecard
What we got right, what we didn’t, and why it matters.

✅The Big Picture for 2026
Growth, inflation, policy, AI winners and losers, and global market dynamics.

✅Potential “Grey Swans”
The shocks no one is forecasting — but everyone will talk about if they happen.

✅Practical takeaways for investors
Clear, actionable insights to help you feel informed, confident, and prepared for 2026.

Your hosts
· Mark Quinn & Debrah Broadfield | Tax advisers & Chartered Financial Planners, Spectrum Portugal
· Chris Saunders | Co-Founder and Chartered Investment Manager, New Horizon Asset Management

Don't miss out on this WEBINAR 👉 https://lnkd.in/eZ4Jw-iu

11/12/2025

Are you a non-EU professionals with specialist skills who has been recruited to work in Spain🇪🇸?

Are you looking to move to Spain and work within industries such as technology, engineering, and research?

Have you thought about obtaining the 'Highly Qualified Professional' Visa?

Based in Barcelona - Barry Davys, Spectrum IFA Group - Expat Financial Advice Spain takes look at the main requirements: 👇

https://spectrum-ifa.com/highly-qualified-professional-visa-spain/

Highly Qualified Professional Visa – Spain The Spectrum IFA Group For non-EU professionals with specialist skills to work in Spain

08/12/2025

Are you eligibility for the Digital Nomad Visa in Spain?

A residence permit for non-EU remote workers and freelancers who wish to live in 🇪🇸Spain while working for companies OUTSIDE the country.

Barry Davys, Spectrum IFA Group - Expat Financial Advice Spain breaks down the requirements 👇

https://spectrum-ifa.com/digital-nomad-visa-spain/

Digital Nomad Visa Spain The Spectrum IFA Group A residence permit for non-EU remote workers and freelancers

02/12/2025

The Non Lucrative Visa Spain

Is it right for you?

A long-term residence permit for non-EU citizens who wish to live in Spain without working.

Popular with retirees and financially independent individuals seeking a new lifestyle in Spain.

Need to know more? - Barry Davys, Spectrum IFA Group - Expat Financial Advice Spain takes a closer look:

https://spectrum-ifa.com/non-lucrative-visa-spain/

Non Lucrative Visa Spain The Spectrum IFA Group A long-term residence permit for non-EU citizens who wish to live in Spain without working.

Dirección

Barcelona

Página web

http://www.spectrum-ifa.com/

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