Spain’s government and unions hail ‘historic’ pension reforms
THE SPANISH government and the country’s major unions today reached an agreement on pension reform, hailing the changes as ‘historic’ and claiming that they will
Experienced expat accountant: How to navigate Spanish pensions, social security
By Peter Sanderson At the end of last year the Spanish government announced that the 2023 contributory pensions would be increased by 8.1%. This larger
More expatriates tell of pension woes amid social security battles in Spain
A number of British expats, and even a Spanish national, have come forward with worrying stories about their struggles to claim their pensions in Spain.
Explainer: What measures does the Spanish government’s 2023 budget contain?
THE Socialist Party-led national government in Spain today announced its budget plans for 2023, which will be the last year before the next general election.
Weekly Market Roundup 23/05/2022
Weekly Market News Share markets had another choppy week, with worries that rate hikes, cost pressures and supply chain disruptions would further weigh on the
Spain extends pensionable retirement age
SPAIN has extended the pensionable retirement age due to pressure from the EU. The pension system has been the focus of a large portion of
Iceland has best pension system in the world but Spain fails to make the top 20
SPAIN has failed to make the top 20 places to retire in the world. Despite the popularity among retirees and foreign expats, Spain slipped this
INFORM YOURSELVES!: Don’t miss a pair of informative – and free – expat seminars taking place on Spain’s Costa del Sol
BRITISH expats, residents, and non-residents may be sick of hearing the word ‘BREXIT’ but most still need to consider its implications linked to living outside
Explainer: Everything you need to know about a pension plan in Spain
AS stated in the General State Budgets for 2022, the Spanish government wants to introduce changes to tax relief on contributions to individual and occupational
Pensions, Annuities & Tax Fraud in Spain – a ticking time bomb…
by Sam Kelly DipPFS, EFA, BA (Hons), Managing Partner, Chorus Financial. Every now and then an email lands in my inbox or a member of
DEAR JENNIFER: How can you help with all this extra post-Brexit paperwork?
You must be so careful with your documentation and paperwork in Spain. It has become far more complicated and involved, since the finalisation of Brexit.
Living in Spain but still have a UK based financial adviser?
by Sam Kelly DipPFS, EFA, BA (Hons), Managing Partner, Chorus Financial. Chorus Financial are receiving an increasing number of enquiries from those of you living
Investment Alert! Are you invested in Momentum Harmony, Lombard Russell or Privee Select Funds?
Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner Chorus Financial I’ve come across a number of clients in the above-mentioned funds. They are commonly used
What’s the worst that can happen to your investment or pension in Spain?
by Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner Chorus Financial Often the first question asked by clients considering an investment or pension with Chorus
The pension freedoms trap. Is your UK pension affected?
On 6 April 2015 the retirement landscape for Brits all over the world changed dramatically. Pension freedoms were introduced, and people were given the choice
The biggest risk to your investments and pensions… could it be your financial adviser?
by Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner Chorus Financial Over the last decade Spanish expats have been exposed to some incredibly poor financial
We need to talk about your financial adviser…
by Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner Chorus Financial Looking back, it’s obvious I was fairly naïve when I first moved to Spain
THE SMALL PRINT: New bank charges introduced for receiving UK pensions in Spain
SEVERAL high-street Spanish banks have begun charging a fee for receiving money transfers from the UK. Nicole Chandler, 71, is a client of a major
Violent threats kept fashion designer Jody Smart linked to disgraced pension firm CWM on Spain’s Costa Blanca
AN expat fashion designer behind the alleged loss of €35 million of investors money has insisted regular threats of violence were behind her involvement with
EXCLUSIVE: Expat fashion boss Jody Smart goes from catwalk queen to alleycat after probe over alleged multi-million investment fraud
A WELL-KNOWN expat fashion designer and ex-model has been grilled at a Costa Blanca court over her involvement in one of the biggest investment scams
BABIES WANTED: 73 towns and villages in Spain’s Valencia region register no births over a whole year
THAT natality rates in Spain have been dropping alarmingly over the last few years is no longer a secret. Fears over who will pay the
Spanish Compliant Investment Bonds, QROPs, SIPPs – do you really know what they’re costing you?
John (I’ve changed his name for the sake of this article) wanted a second opinion on an investment plan he had set up when he
The biggest risk to your investments and pensions… could it be your financial adviser?
Over the last decade or so, Spanish expats have been exposed to some incredibly poor financial advice. In many cases this has led to clients
The Great Spanish Rip-Off… you might not even know you’re a victim yet.
It was back in 2016 that I tentatively wrote my first ‘exposé’ of certain questionable practises that were being used within the financial advice industry,
Fleeced and ruined expat pensioners in Spain get boost from Malta over high-risk Continental Wealth Management investments that plummeted in value
MOMENTUM Pensions Malta will have to compensate for 70 per cent of losses suffered by their clients taking out high risk investments via the failed
BEYOND THE GRAVE: Millions scammed as pensions from dozens of dead people emerges
Statistics showed that the main culprit of the withdrawals was family members close to the deceased, often spouses, children or grandchildren