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Live the Dream, While we Take Care of your Retirement Planning

Fiduciary Wealth Team

One of the most important decisions we all have to make is when we become expats is what to do with our pension funds. Do we leave them in the UK or do we move them with us? Do we retain our company pension scheme if we are lucky enough to have one or do we take advantage of greater freedom and flexibility? Do we buy an out of favour annuity for security or do we draw income that is sufficient for our needs?

These are key questions and there are many more that need to be asked. Wouldn’t it make sense to get these issues resolved when you move rather than let them fester. You came to Spain to get on with a new chapter in your life not to worry about which type of pension arrangement you should consider.

The big plus for you in allowing us to advise you is that we offer a true cross border retirement planning service and are fully au fait with all of the UK and offshore pension arrangements available to you. We need to review your circumstances and the benefits available to you and then advise you which is the best course of action taking into account your financial objectives, your personal situation and your attitude to risk.

Will we recommend you switch to QROPS? Only if it right for you and in your best interests to do so.

Will we advise you to leave your company pension scheme?  Whilst the guaranteed benefits secured from a company scheme can be difficult to match there might be circumstances where a company scheme will not provide the complete solution and a switch to a private pension might be more appropriate.

Can you help me consolidate my various pension arrangements? Yes this is something we do frequently to help clients reduce costs and simplify their retirement planning.

The point I am trying to make is that when it comes to retirement planning there is no one size fits all solution. Everyone is different but the common factor is that you do not want to spend all of your time in Spain worrying about whether or not you have the best pension plan to meet your needs. Lets get that box ticked and take care of your retirement planning so that you can get on with enjoying your life in Spain.

Let us start by offering you a FREE private retirement planning consultation (worth £500) to assess your current pension position and explain how our Spanish pension tax reduction strategies can help.  If you already have a clear understanding of your current situation we can offer a FREE tax planning assessment instead (worth £1,000). Just think you will be getting FREE advice on retirement planning for Spanish residents as well as, savings and wealth tax mitigation strategies.

Interested? Speak to one of our qualified expat advisers on tel 951319727 or email enquiries@fiduciarywealth.eu.