Independent fee-only financial advisory firm with over 24 years experience advising corporate and individual clients in the UK and worldwide expats. Specializes in providing professional financial advice for expats and yacht crew in Spain. Services include pension transfers (QROPS), yacht crew mortgages, savings and investments, retirement planning, and wealth management. Uniquely offers fee-based advice rather than commission-based, setting them apart from traditional commission-hungry salespeople. Led by Sandy, who has a reputation as the "go-to" person for yacht crew mortgages and investments. Provides personalized financial planning with 10+ years running financial management and wealth management offices in the UK and Spain. Serves Malaga and Costa del Sol area from Palma office.
Leading international financial advisory firm specializing in cross-border financial planning for expatriates living in Spain. Over 30 years of experience providing comprehensive financial advice including retirement and pension planning (QROPS), life assurance, investment management through insurance wrappers, succession and inheritance tax planning, currency exchange, and mortgage advice. Expertise in navigating Spanish tax systems including capital gains tax, wealth tax, gift tax, and inheritance tax across Spain's 17 Autonomous Communities. Licensed across the entire EEA with Brexit-proof financial solutions. All advisers are expatriates themselves, understanding the unique challenges of living abroad. Services include regular financial reviews, tax and legal updates, and personalized ongoing support. Trusted by clients for over 30 years with excellent Trustpilot reviews.
Leading international financial advisory firm specializing in cross-border financial planning for expatriates living in Spain. Over 30 years of experience providing comprehensive financial advice including retirement and pension planning (QROPS), life assurance, investment management through insurance wrappers, succession and inheritance tax planning, currency exchange, and mortgage advice. Expertise in navigating Spanish tax systems including capital gains tax, wealth tax, gift tax, and inheritance tax across Spain's 17 Autonomous Communities. Licensed across the entire EEA with Brexit-proof financial solutions. All advisers are expatriates themselves, understanding the unique challenges of living abroad. Services include regular financial reviews, tax and legal updates, and personalized ongoing support. Trusted by clients for over 30 years with excellent Trustpilot reviews.
Leading international financial advisory firm specializing in cross-border financial planning for expatriates living in Spain. Over 30 years of experience providing comprehensive financial advice including retirement and pension planning (QROPS), life assurance, investment management through insurance wrappers, succession and inheritance tax planning, currency exchange, and mortgage advice. Expertise in navigating Spanish tax systems including capital gains tax, wealth tax, gift tax, and inheritance tax across Spain's 17 Autonomous Communities. Licensed across the entire EEA with Brexit-proof financial solutions. All advisers are expatriates themselves, understanding the unique challenges of living abroad. Services include regular financial reviews, tax and legal updates, and personalized ongoing support. Trusted by clients for over 30 years with excellent Trustpilot reviews.
Leading international financial advisory firm specializing in cross-border financial planning for expatriates living in Spain. Over 30 years of experience providing comprehensive financial advice including retirement and pension planning (QROPS), life assurance, investment management through insurance wrappers, succession and inheritance tax planning, currency exchange, and mortgage advice. Expertise in navigating Spanish tax systems including capital gains tax, wealth tax, gift tax, and inheritance tax across Spain's 17 Autonomous Communities. Licensed across the entire EEA with Brexit-proof financial solutions. All advisers are expatriates themselves, understanding the unique challenges of living abroad. Services include regular financial reviews, tax and legal updates, and personalized ongoing support. Trusted by clients for over 30 years with excellent Trustpilot reviews.
Leading international financial advisory firm specializing in cross-border financial planning for expatriates living in Spain. Over 30 years of experience providing comprehensive financial advice including retirement and pension planning (QROPS), life assurance, investment management through insurance wrappers, succession and inheritance tax planning, currency exchange, and mortgage advice. Expertise in navigating Spanish tax systems including capital gains tax, wealth tax, gift tax, and inheritance tax across Spain's 17 Autonomous Communities. Licensed across the entire EEA with Brexit-proof financial solutions. All advisers are expatriates themselves, understanding the unique challenges of living abroad. Services include regular financial reviews, tax and legal updates, and personalized ongoing support. Trusted by clients for over 30 years with excellent Trustpilot reviews.
Established in 1986, Blacktower Financial Management is an independent wealth management firm with over 40 years of experience providing bespoke financial advice to expatriates and international clients. Specialising in cross-border financial planning for British and international expats living in Spain. Services include retirement planning, UK pension transfers (SIPPs, QROPS), investment management, estate planning, tax-efficient structuring, and wealth preservation strategies. Expertise in navigating the complexities of Spanish tax residency, Modelo 720 declarations, and the interaction between UK and Spanish tax systems. English-speaking advisers provide personalised, face-to-face financial advice with a deep understanding of expat needs. Part of a global network with offices in 15 countries across Europe and beyond.
Global wealth management firm providing specialist financial advice for expatriates living in Spain. Authorised and regulated by the Cyprus Securities and Exchange Commission (CIF Licence 287/15), offering services across the EU on a cross-border basis. Expertise in UK pension transfers (SIPPs, QROPS), retirement planning, investment management, tax planning, and estate planning for British and international expats. Comprehensive services include cross-border tax advice, wealth management, inheritance and succession planning, property investment guidance, and education fees planning. The firm helps clients navigate the complexities of Spanish tax residency, Modelo 720 declarations, and the interaction between UK and Spanish tax systems. Multilingual advisers provide personalised, long-term financial relationships with a focus on transparent, unbiased advice.
Global wealth management firm providing specialist financial advice for expatriates living in the Canary Islands. Authorised and regulated by the Cyprus Securities and Exchange Commission (CIF Licence 287/15), offering services across the EU on a cross-border basis. Expertise in UK pension transfers (SIPPs, QROPS), retirement planning, investment management, tax planning, and estate planning for British and international expats. Specialised knowledge of the Canary Islands' unique Régimen Económico y Fiscal (REF) tax regime including reduced IGIC rates and ZEC benefits. Comprehensive services include cross-border tax advice, wealth management, inheritance and succession planning, property investment guidance, and education fees planning. The firm helps clients navigate Spanish tax residency, Modelo 720 declarations, and optimise tax efficiency in the Canaries. Multilingual advisers provide personalised, long-term financial relationships.
Global wealth management firm providing specialist financial advice for expatriates living in Spain. Authorised and regulated by the Cyprus Securities and Exchange Commission (CIF Licence 287/15), offering services across the EU on a cross-border basis. Expertise in UK pension transfers (SIPPs, QROPS), retirement planning, investment management, tax planning, and estate planning for British and international expats. Comprehensive services include cross-border tax advice, wealth management, inheritance and succession planning, property investment guidance, and education fees planning. The firm helps clients navigate the complexities of Spanish tax residency, Modelo 720 declarations, and the interaction between UK and Spanish tax systems. Multilingual advisers provide personalised, long-term financial relationships with a focus on transparent, unbiased advice.
Global wealth management firm providing specialist financial advice for expatriates living in Spain. Authorised and regulated by the Cyprus Securities and Exchange Commission (CIF Licence 287/15), offering services across the EU on a cross-border basis. Expertise in UK pension transfers (SIPPs, QROPS), retirement planning, investment management, tax planning, and estate planning for British and international expats. Comprehensive services include cross-border tax advice, wealth management, inheritance and succession planning, property investment guidance, and education fees planning. The firm helps clients navigate the complexities of Spanish tax residency, Modelo 720 declarations, and the interaction between UK and Spanish tax systems. Multilingual advisers provide personalised, long-term financial relationships with a focus on transparent, unbiased advice.
Independent financial advisers in Spain specialising in regulated cross-border planning for expatriates. Services include international pensions (QROPS and International SIPP), Spanish-compliant investment structures, tax-efficient retirement planning, wealth management, estate and succession planning, portfolio management, and Brexit-proofing strategies. Expert advice on Spanish tax considerations including Wealth Tax and Modelo 720 declarations. Consultations delivered online nationwide via WhatsApp and video calls. Plain-English guidance on UK inheritance tax changes affecting expats, pension transfers, and tax-efficient investment solutions tailored for residents throughout mainland Spain, Balearic and Canary Islands.