Expert financial solutions
for expats living in Spain
The right financial tools and solutions can help you grow older how and where you want.
Our Products & Solutions
Expat Financial is committed to providing the best Financial Planning, Investment Management, Insurance, and Pension services for expats living in Spain, focused on 100% independent, client focused portfolio management with clear and transparent fees structures which we guarantee will be the best-in-class.
Financial Planning
At Expat Financial, we’re here to help make your financial life a little easier. Whether you’re looking for an overseas mortgage, a current account or even help sending money home, our specialist team can help.
Investments
Expat Financial provides expats with investment advice, portfolio management and lump sum investment using a variety of global investment options through our expat-friendly investment website to secure their future.
Pensions
Whether you’re living in Spain and looking for planning your retirement in Spain, our pension planning service is designed to help you out with your pension transfers and ongoing pensions or retirement plans.
Insurance
We know how confusing buying Expat life insurance can be. With so many different choices and options. Therefore, we want to help you find the best deal, but more importantly we want to protect your family financially.
Expat Financial have over 20 years’ experience in best Investment Management, basing our client portfolios using Internationally recognized best practices. When we select funds for your portfolio – whether it’s for Your Overseas Pension SIPP or QROPs, or a Spanish Compliant Investment Bond (these can include Quilter International, SEB, Lombard International) – we are 100% independent.
We choose your Funds based on their performance, value and quality, you may have existing plans in Spain, set up by an adviser since you moved here, we offer a free review of these Policies, and will clearly demonstrate how we can improve the performance of your current investments whilst reducing fees. We will never advise moving or changing any existing policies unless it is in the best interest of you, our client.
Spanish Tax is fundamentally different from that in the UK & Ireland and many Expatriates are unaware that their investments such as ISAs, Premium Bonds are not free of Tax in Spain and if not declared or transferred into a Spanish Tax Compliant Vehicle could potentially expose you to Large penalties from the Spanish Tax Authorities. Expat Financial specialise and can offer our Clients products designed specifically for Expatriates from the UK & Ireland that are resident or fiscally resident in Spain. These products can allow you to achieve investment growth, reduce taxation and are also fully compliant in Spain, so can help to avoid lengthy and complicated tax requirements, these products have been designed by Industry leading providers such The Prudential and Quilter PLC
Expat Financial Clients will always benefit from independently selected portfolios that are well-diversified amongst the leading asset managers in the world. We will endeavor that our clients do not have too much exposure to any individual fund management group, thereby spreading the risk. Our current portfolios contain funds from, but not limited to, the following companies listed below:
So you can focus on the family
We’ve been the partner to thousands of people like you living in Spain with whom we’ve partnered to help build their secure financial futures – so you can focus on what’s important.
Vanguard:
Founded in 1975 and Headquartered in Pennsylvania, USA $6.2 trillion in global assets under management, as of January 31, 2020. The largest provider of mutual funds in the world.
Fidelity:
Founded in 1946.
Is an American multinational financial services corporation based in Boston, Massachusetts. One of the largest asset managers in the world with $3.3 trillion in assets under management as of June 2020.
Fundsmith:
London-based investment management company, founded in 2010 by Terry Smith.
As of December 2019, Fundsmith manages £26bn in assets.
Schroders:
A British multinational asset management company, founded in 1804 and headquartered in London, UK.
£500 billion assets under management as of 2019.
Baillie Gifford:
Founded in Edinburgh in 1908 and still has its headquarters in the city. Corporate offices in New York and London.
As of June 2020, assets under management and advice were valued at £262 billion.
Franklin Templeton
(Legg Mason):
A global investment firm founded in New York City in 1947.
$717 billion assets under management as of 2019.
Specialized expertise across a full range of asset classes. It offers products under the Franklin, Templeton, Mutual Series and Fiduciary brand names, among others.
JPMorgan Chase and Co.:
Founded in 2000.
An American multinational investment bank and financial services holding company headquartered in New York City.
As of 2020, the asset management arm of the bank has US$3.37 trillion in assets under management.
Royal London:
Founded 1861.
Headquartered in London, UK.
£100 billion funds under management.
Lindsell Train:
Founded in 2000 in the UK.
Operates as an alternative investment manager, specialising in UK, Japanese and global equity mandates.
$22 billion assets under management as of April 2020.
Rathbones:
Founded in 1742.
A FTSE 250 listed company.
Managing more than £50.5 billion as of September 2020.
15 offices throughout the UK and Jersey.
BlackRock:
Founded in New York City in 1988. BlackRock is the world’s largest asset manager, with $7.4 trillion in assets under management as of end-Q4 2019.
Nothing within this article should be regarded as a recommendation to invest; a recommendation will only be made following a full individual assessment of suitability and appropriateness.
To find out more about how Expat Financial can help you achieve tax efficient returns on your savings, pensions or investments in Spain,
call us on +34 951-400-858 or email at david@expatfinancial.es or visit www.expatfinancial.es for more information.
THE MISSION OF
Expat Financial
Our mission is to help you make informed decisions about your money and investment planning needs but to do so in a way that is not complicated or confusing. In simple terms, Expat Financial can help you plan for your future, be it one that remains within the UK or for those living overseas. Expat Financial offers everything our clients need in the one place: quality service with integrity and transparency at its heart.
The Value of Our Services
Expats and people living abroad in Spain needs a local financial expert who can provide solutions that are tailored to their specific needs. We offer the largest product range and best value international financial products so wherever you are in Spain, we’ll find an investment product that works for you.
What our Clients Says
Don’t just take our word for it, here’s what some of our clients have to say…
Jason Martin: Business Owner
Expat Financial was a pleasure to deal with, from my first contact with them. They were very clear with their information and also gave me the information I needed to be able to make a decision and informed choices. The communication was easy and they were also very good at responding and answering any questions I had quickly. The services offered are extensive and professional.
Request your free quote
Expat Financial offers free no obligation advice and information. Get expert advice from our network of international money professionals. Don’t wait, take the first step in the right direction…
Contact us
-
Oasis Business Centre, Ctra.
de Cadiz KM 176
29602 Marbella,
Malaga Spain - david@expatfinancial.es
- +353 87 703 6667
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