Seagate Wealth Management

04/08/2026

WHY A UK TAX-FREE INVESTMENT MAY NOT BE TAX-FREE IN SPAIN

Many British expats assume that ISAs, Premium Bonds and other UK tax-free investments remain tax-free after moving to Spain.

Unfortunately, this is not always the case.

If you are tax resident in Spain, you are generally taxed on your worldwide income and investment gains. Interest, dividends and profits from UK investments may therefore need to be declared in Spain, even when the money remains in the UK.

Your overseas accounts and investments may also have to be reported under Spain’s Modelo 720 rules.

This does not necessarily mean you should close your UK investments, but it is important to check whether they remain suitable and tax-efficient now that you live in Spain.

Tax-free in the UK does not automatically mean tax-free in Spain.

At Seagate Wealth Management, we help British residents in Spain review their existing investments and understand the options available to them.

To arrange a no-obligation consultation, contact the Seagate Wealth Management team.

Financial Planning.
Seagate Wealth Management provide Independent Financial Advice. We work in conjunction with fully regulated and authorised companies.

09/07/2026

By 2030 women will hold 60% of the worlds´wealth.

Yet, recent studies reveal that women invest 21% less than men—often due to messaging focused on fear and hesitation.

Women tend to approach finances as “family funds,” viewing money as a resource not just for themselves but for their loved ones. This thoughtful, measured approach makes them cautious—not impulsive, like someone throwing savings into untested markets like cryptocurrency. Women understand that building wealth is a steady marathon, not a reckless sprint.

What’s the solution? Start with clarity. Replace complex jargon like “volatility” with practical explanations such as, “markets fluctuate, but that’s normal—don’t panic.” Connecting with a knowledgeable financial adviser can also make a world of difference. They can demystify the process and provide expert advice without requiring you to have an economics degree.

That’s where Seagate Wealth Management comes in. Their approachable team is here to guide you through your first—or next—investment steps. No fearmongering, no pressure—just clear, practical guidance delivered with a friendly touch.

02/06/2026

For British expats living in Spain, financial planning can be far more complex than many first realise. The tax rules, investment structures, and pension treatment are very different from the UK, which is why professional advice is so important. Fiona has first-hand experience of both the UK and Spanish systems and can help clients review their arrangements, avoid costly mistakes, and make sure their finances are structured properly for life in Spain. You can contact Fiona at [email protected] or call her on 602 665 795.

🇪🇸🇬🇧 Tax Planning in Spain vs the UK — What Expats Should Know

I made the move to Spain seven years ago, after being a financial adviser in the UK for many years and would like to share some of my thoughts on the differences to financial planning in the UK and Spain.

A lot of Brits are surprised when they move to Spain and realise the tax system works completely differently to the UK. If you try to use the same tax planning you used back home, it usually doesn’t work — and can even cost you money.

In the UK, most people rely on allowances to reduce tax:
- ISA allowance
- Capital Gains Tax allowance
- Dividend allowance
- Pension tax relief

Spain doesn’t have these. There are no ISAs, no CGT allowance, and no dividend allowance. Instead, Spain taxes your worldwide income and gains, and you often have to report investments , such as investment portfolios, transaction by transaction.

This is why many UK investment platforms don’t work well once you become Spanish tax resident.

Spain focuses more on how your money is structured. For example, a Spanish‑compliant investment bond can make your tax reporting easier and reduce the tax you pay on withdrawals. Pensions are also treated differently, and some UK “tax‑free” payments are not tax‑free once you live in Spain.

The good news? With the right setup, you can make the Spanish system work smoothly and avoid nasty surprises.

If you’re a Brit living in Spain, reviewing your tax planning isn’t just helpful — it’s essential.

26/05/2026

21/05/2026

CLICK ON THE BELOW PHOTO to listen to Lorraine´s recent interview with Keith on BigFM to discuss the benefits of the Prudential PruBond for British residents living in Spain and how it could form part of a tax-efficient financial planning strategy.

13/05/2026

What an incredible weekend at A Place in the Sun Live London 2026!

We had a fantastic time at ExCeL London meeting so many people ready to turn their Spanish dreams into reality. It was a pleasure to connect with future expats, buyers, and investors.

A huge thank you to everyone who stopped by to speak with our team, and to the organisers for hosting such a brilliant event.

As Financial Advisers supporting expats in Spain, we specialise in helping clients make informed decisions around investments, pension transfers, and long-term financial planning. So, if you have questions about managing your finances before or after your move to Spain, our English-speaking advisers are here to guide you every step of the way.

05/05/2026

Seagate Wealth were proud to attend the M***i competetion on Saturday as a sponsor of the San Miguel Bowls Club.

Congratulations to the winners and everyone for taking part.

23/04/2026

A PLACE IN THE SUN LIVE | LONDON EXCEL
8th – 10th May 2026

Ready to make your Spanish dream a reality?

Seagate Wealth Management is returning to the A Place in the Sun Exhibition from the 8th to the 10th of May.

Whether you are planning your retirement, reviewing your pensions, investing your savings, or looking for straightforward financial advice as an expat in Spain, our experienced team will be there to help.

Speak to independent financial advisers who can guide you through your options with clear, transparent, and regulated advice designed for life in Spain.

We look forward to seeing you !

14/04/2026

Financial Planning.
Seagate Wealth Management provide Independent Financial Advice. We work in conjunction with fully regulated and authorised companies.