A Detailed Analysis Of Recognising Factors In Acupuncture Alicante


·         Modello 720 Guidance (asset declaration) Urbanización Regia Roig 44 local 15, 03189 Orihuela Costa; Alicante We can be found on the Cabo Roig strip on the first slip road after the pyramid roundabout if coming from La Zenia in the La Regia Commercial Centre.  The office signage can be clearly seen from the N332. To make an appointment call the office on 965320562 or mobile 657684094 In today’s financial climate it is essential you do everything you can to make sure your money is safe and secure and what you want to transpire in the future has the best chance of happening.  If you need advice or if you simply want to have a chat to give yourself peace of mind that you have made the best arrangements possible for your financial affairs call me, Keith Littlewood DipPFS on 657 684 094 or email keith.littlewood@blacktowerfm.com The above information was correct at the time of preparation and does not constitute investment advice and you should seek advice from a professional adviser before embarking on any financial planning activity. Blacktower Financial Management (Int) Ltd is licensed in Gibraltar by the Financial Services Commission (FSC) and is registered with both the DGS and CNMV in Spain Blacktower Financial Management (International) Ltd Murcia and Alicante Office : Urbanizacion Regia Roig 44 local 15, 03189 Orihuela Costa; Alicante Tel: Murcia & Alicante office : + 34 965320562 Financial Advice Issues for Expats in Spain I have been a Qualified Financial Adviser for almost 30 years now.  25 Years in the UK for major institutions such as Natwest, RBS and Royal London.  I have been in Spain giving expats financial advice now for 5 years and it is quite remarkable the different approaches as well as advice that is required for an expat now living in Spain.  Blacktower is a company that has specialised in providing the best solutions for its clients living outside the UK for 30 years also. The currency issue is always high on the agenda and a discussion for the long term future has to be taken onto account.  Questions like What will happen if one partner dies? Will the other remain in Spain? What about other family members? What Inheritance tax provisions do you have in place? The list goes on and on. Existing portfolio’s and investments that were the mainstay of portfolios in the UK may now be obsolete.  An example of this is quite often tax efficient products in the UK like ISA’s and previously held TESSA’s PEP’s actually have low growth rates and provide no tax advantage to a Spanish fiscal resident. Existing Pension holdings either paid by the state or private pensions built up through working lifetimes are topics that have to be covered.  Many expats have lots of small pensions from many ex employers and can be confused by the communications and administration in dealing with them.  At Blacktower we specialise in advising on how to consolidate and bring all these pensions together in one place.

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