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Step into 2025 with confidence: Blacktower Financial Management is here for your financial journey
The new year is the perfect chance to set new financial goals to achieve the lifestyle you want
As we bid farewell to 2024 and welcome the promise of a new year, Blacktower Financial Management extends their warmest wishes for a prosperous and fulfilling 2025. This time of year is perfect for turning the page, reflecting on achievements and setting new goals for the future.
A new year brings fresh opportunities to evaluate your financial aspirations and ensure your strategies align with your long-term vision. Whether you’re planning for retirement, growing your investments or securing your family’s financial future, the steps you take now can shape the years ahead.
Blacktower Financial Management brings nearly four decades of expertise in wealth management, investment advice and retirement planning to support you on your journey. Their advisers provide personalised actionable guidance, tailoring strategies to your unique circumstances and ambitions.
As the calendar resets, so can your financial plans. Whether you’re just starting to build your wealth or seeking smarter ways to make your money work harder, now is the ideal moment to take action.
Start your 2025 financial journey with clarity and confidence. Contact Blacktower to arrange for a no-obligation complimentary consultation with one of their expert advisers to begin building a roadmap to help you achieve your financial goals.
Visit www.BlacktowerFM.com to learn more about bespoke financial solutions and how they can help you take control of your future.
The local Blacktower address is:
120 Avenida Dr. Artero Guirao 2C. San Pedro Del Pinatar, 30740, Murcia, Spain.
If you want more information or wish to make an appointment to discuss your own situation then call 0034 657 684 094 or email keith.littlewood@blacktowerfm.com
Blacktower Insurance Agents and Advisors Limited is authorised and regulated by the Cyprus Insurance Companies Control Service (ICCS) under Licence number 5101. Blacktower Financial Management (Cyprus) Limited is licensed and regulated by the Cyprus Securities &Exchange Commission (“CySEC”) with Licence number 386/20.
Address
120 Avenida Dr. Artero Guirao 2C. San Pedro Del Pinatar, 30740, Murcia, Spain.Tel: +34 657 684 094
Financial Advice Issues for Expats in Spain
I have been a Qualified Financial Adviser for almost 35 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 10 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.
Bank accounts and investments in Spain always bring up lots of questions too. Quite often the small print associated with financial products in Spain is in Spanish this can make it very difficult even if you have a good grasp of the language. Understanding Jargon in English is sometime difficult enough. I provide clear easy to understand letters and documents in English so that you fully understand any terms and conditions before making a decision.
Advice on tax efficiency is just as important and offering good returns. There are products available exclusively for Spanish expats that can provide invaluable benefits. Having a good base knowledge of the tax implications both now and in the future is an essential ingredient to making a sound decision.
I will complete a thorough factfind, ask you the right questions, establish your individual needs, attitude to risk and capacity for loss and desired returns before providing you with a full written report of advice and my recommendations in plain English. You will then have time to read and consider all the information before contacting me with how you wish to proceed.
Click for more information about Keith Littlewood.
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
