There is a lot of uncertainty surrounding Spanish residency requirements for British expats in Spain. With only weeks to go until the so-called “do or die” Brexit promised by Prime Minister Boris Johnson, the question of Spanish residency is still as clear as mud. There are actions we can take to protect ourselves from a […]
Non resident tax Spain
Exposure to non resident tax in Spain can be a concern to anyone owning property there. Many people separate their time between their property in the Costas and their home country. And why not? Who wouldn’t want to ‘escape to the sun’ in the long, cold days of winter! Many also think that they are […]
Sustaining pension income in retirement
Sustaining pension income in retirement is a common concern for most of us. We work hard to build up our pension pots in the hope that come the glorious day of retirement we can sit back and enjoy the fruits of our labour. However, for those in Defined Contribution (DC) plans it’s still important to […]
The Spanish compliant investment bond
Thank goodness for the Spanish compliant investment bond! Each country’s tax code seems to have various ways of relieving us of our money. On the other hand, they also offer ways in which we can legitimately avoid taxation, as long as we purchase the correct financial products. In the UK most people are well aware […]
Pension transfer cost
As QROPS advisers, we are often asked how much does a pension transfer cost and how long does a pension transfer take. It may come as a surprise for some, but the daily life of a financial adviser isn’t all fast cars, glamourous locations and champagne lifestyles (Ho ho!). Pension transfers are a relatively complex […]
Retirement Decumulation
Retirement is an exciting time for many of us, but not for those who experience retirement decumulation. It can be a daunting challenge when the certainty of employment income ceases and we have to live off built-up resources until we draw our last breath. This problem is less evident for those lucky enough to have […]