Category: News

Preparing your loved ones for life after your death

Organising documents on death

Having recently attended a funeral for a good friend of mine, I was reminded of the problems a death can create, aside from the actual act of dying. It appeared that, although he had organised a funeral plan, he had

Bank charges, reducing pension tax, proving address

Bank charges in Spain

Avoiding bank charges A number of banks have a variety of current accounts. It would appear that customers are not always advised by their bank what is the best account for them. For many expatriates, especially those buying and selling

What will happen in 2017?

There cannot be many people who were able to answer this question accurately in 2016. There were many “shocks” most notably the Brexit vote and the election of Donald Trump as President of the USA. There were several celebrities who

Donald trumps Clinton´s cards

donald trumps Clinton´s cards

  Donald Trump is the new President of the United States of America. Markets are reacting badly but, as with Brexit, panic should not be the order of the day when dealing with your personal finances. There is almost always

Dread and Brexit

Brexit decisions

Fear causes thousands to hold off making decisions pre-Brexit Uncertainty over what will happen once the UK has left the European Union has led people to make one important decision. Not do anything until it happens. This means delaying actions

Is your future pension secure?

Final Salary Pension Fund

“Gold plated” Final Salary (Defined Benefit) pension schemes may not be able to pay out promised income. Reported that 83% of Final Salary schemes are in deficit and deficits total £1 Trillion.* Threat of reduced income and increase to pension

The taxman´s love of social media

Taxman searching

In the last 10 years, social media has changed from a mere trend to, for some, the main form of interaction. It has allowed people to provide or ask for aid in times of trouble, as was witnessed recently during

Too much or not too much? That is the question on Tax

Many people are either paying excessive tax or could expect an unwelcome demand from the Spanish Tax Office As we approach the time for declaring income and gains from 2015 to the Spanish tax authorities, seemingly minutes after announcing assets

Are your investments tax compliant in Spain?

Many UK nationals resident in Spain will have premium bonds, ISAs, unit trusts, and other vehicles which, although tax efficient in the UK, are not in Spain and are therefore non-compliant for tax purposes. Tax on the growth on these

EU debate is warming up but it’s not already Brexit

For qualified advice, contact me at john.hayward@spectrum-ifa.com or call me on (+34) 96 558 7633 / 618 204 731   Millions of people will have the right to vote on the future of the UK in Europe. Is this democracy at its

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