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Expat financial advice from the experts

exchange rate

Expat exchange rate: bigger concern than triple lock pension guarantee

A number of the UK’s expats believe that the exchange rate could have more of an impact on their finances than the uncertainty surrounding the triple lock pension guarantee. State Pensions and Triple Lock concerns Expats living in the European Union currently enjoy annual state pension rises, no different to those they’d receive if they […]


HMRC QROPS – 2017 overhaul of the QROPS Rules

Why did HMRC decide to change the HMRC QROPS requirements? In light of the increased pension flexibilities introduced in April 2015, HMRC decided to review the conditions for HMRC QROPS.  An overseas arrangement has to satisfy if it is to be a qualifying arrangement. From April 2015, retirement savers over age 55, can opt to […]

Spanish Tax

Spanish Tax Authorities are getting tougher!

Spanish Tax Authorities getting tougher! The Spanish tax office has announced new measures to crack down on tax fraud. Their tax plan for 2017 revealed new IT tools and processes that will make it easier to investigate the Spanish tax affairs of wealthy individuals. Tax Fraud sounds very serious and of course it is. However, […]

tax rule change

Tax rule change for expats on UK property

New tax rule change could mean the tax bill outweighs the benefits The UK government has introduced various changes that make owning property in the UK less attractive for expatiates. This comes from a tax rule change point of view.  Non-UK residents no longer escape capital gains tax on UK residential property.  Stamp duty land […]

Retiring Abroad

Retire in Cyprus – Understanding Pensions

If you have chosen to retire in Cyprus, your pensions can be the key to financial security in retirement. With Brexit looming and more options than ever, pensions can also be a source of concern and confusion. However, expatriates can find rewarding – but limited – opportunities available. Crunch time for retirement providers Around 15 million […]

Final Salary Pensions

Warning – Brexit & Final Salary Pensions

As most people will already be aware the UK via the FCA and HMRC have been making frequent changes to Pension rules and the way pensions are taxed therefore it is important to know the options you have on your Final Salary Pensions. The sweeping changes have been met with mixed reviews but in the […]

financial planning

Tax and financial planning for expats in Spain

There is much uncertainty for British expats in Spain. Many expats invest their hard earned money for growth and or income, but what about the tax that needs to be paid? The Automatic Exchange of Information (AEOI) rules have made the need for financial planning and advice on avoiding Spanish tax and investing in Spain crucial. […]

Expat Spanish Taxation – Foreign Asset Reporting

Expat Spanish taxation is a very complicated affair and there are potentially severe fines and penalties for anybody who fails to declare and pay the correct tax in Spain. Expats that feel they are NOT tax resident can be in for a nasty shock. The Automatic Exchange of Information rules have already started to catch […]