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Welcome
Along with drawing on the resources of The Spectrum IFA Group, one of Europe’s leading independent financial advisers, John Hayward brings 27 years of experience in financial services. He has lived here on the Costa Blanca with his wife and family since 2004, with experience of the real Spain.
QROPS / QNUPS SPECIAL OFFERS G60 QUALIFIED
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Investing for income
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Pensions, Transfers, QROPS
Many people need to address the funding of their retirement. For those who have made provision, decisions need to be made on how these are run up to retirement and how to access the money when appropriate. We major in QROPS (Qualifying Recognised Overseas Pension Schemes) as well being in a position to help with existing pension arrangements.
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Life Assurance, Mortgage Protection
Protecting your family’s financial security is vitally important, regardless of where you live. As an expatriate, life assurance can be another complication for people but we can help you to choose the right policy with the right company. Whether it is to cover your outstanding mortgage or provide a lump sum to cover funeral costs, we will have the solution.
From time to time it is necessary to review your personal finance position. This will enable you to take stock and plan for your future needs. Often it is likely to lead to a focus on what is important and what is not.
Having reviewed your financial position, you will then want to make plans for how you will cope with the years ahead. This could be planning for future income or saving for a special event such as a wedding, special holiday, or your children’s education.
With access to the major names in financial services such as HSBC, Zurich, Skandia and many more, we can offer a range which will surpass the limited choice offered by individual institutions. We will tailor make a solution for you now which can be altered to suit your changing circumstances.
We recognise that your needs change as time passes. This is why we like to review your position to make certain that everything is on track, whether this is monthly, half-yearly, or annually. I am available at any time to discuss your needs or to provide you with an update of your plans.