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Paul Howard

International Financial Adviser

Previous Experience

Paul first became involved in financial services in 1984 as a UK qualified financial adviser. Since then his career progression has led him to work in the offshore market across Europe for the past 11 years.

Having worked out of Rome for almost 3 years looking after international clients within the United Nations organisations and across Europe as a regional manager, Paul now works from our head office in Gibraltar supporting clients in many locations within the EU and further afield when needs be.

Prior to Joining Blacktower in 2013, Paul worked in Monaco, Nice, Madrid and Munich as an international financial consultant and held positions ranging from financial consultant through to country manager of Spain. 

Having such a broad experience of UK & EU laws, tax systems and inheritance rules, Paul has been able to supply a one-stop solution for his clients when planning for their future security and succession.  

Areas of Expertise

  • Holistic financial advice
  • Building bespoke tax efficient savings and investment solutions
  • Succession and inheritance tax planning
  • Retirement planning and UK pension transfers  
  • Higher education fee planning 
  • Investment advice including access to leading discretionary managers

Qualifications/Accreditations

  • Chartered Insurance Institute (CII) – Financial Advisors International Qualification
  • Chartered Institute for Securities & Investment (CISI) -Introduction to Securities & Investment (International)
  • Chartered Institute for Securities & Investment (CISI) - International Certificate in Wealth Management

Charity work

Paul has held seats of office in many of the locations in which he has lived. These include Vice Chair of the Commonwealth Club of Rome, management committee member of the Riviera Commonwealth Club and new members' director for the American Club of the Riviera. 

Paul, along with five others, formed the Vatican’s St Peters Cricket Club in Rome. They went on to create history by unifying both the Anglican and Catholic church through a game of cricket in the UK for the first time in over 500 years. 

With a strong sporting background, Paul has also dedicated his time to grass roots sports projects and clubs within the UK that encompass his coaching skills at football, cricket, golf and table tennis. 

Articles

“Quick” divorces – new legislation in Italy

Testimonials

 "Well I think it sums it all up if I say that I would have liked to keep him as our financial adviser for ever.  Highly recommended." Claudine Delaroue (Trilingual consultant French, Spanish, English in Spain)

"Trusting somebody with your money is not something easy, even less for me. In the market highest (H1 2008) I met Paul, his professionalism, integrity, ability to listen and come back with what we had asked for and allowed us to make good choices and our investments passed the crisis without lose, who else can say so? Later I met some other clients of Paul, same feedback! So I would gladly, and I did on more than one occasion, recommend anyone to sit with Paul and hear him out." Mr Olivia Sery (Country Manager & Head of EMV Competence Center, Spain)

"I first met Paul in 2010, when he was preparing to move to Nice. Since then I am happy to say the he has worked closely with me, to help support me in all areas of my financial planning needs. His dedication and knowledge, has enabled me to have confidence in an area that I barely had time to research let alone address. I was like so many others at first, a little sceptical and protective but having had this experience with Paul, I have introduced him to friends and colleagues and recommend that if you have the opportunity to have a meeting with him, then do so." Mr Jean-Charles Saurel (Broker at AZURMER REAL ESTATE)

"I have had the pleasure to work with Paul and having had much experience with financial advisers he is a true breath of fresh air. In the times when the markets are tough most disappear but this is not the case with Paul. He has fantastic knowledge and great options at his fingertips. Highly recommended." Mr Damian Tudor (Luxury Property Finder in the South of France at Riviera Breeze)

"After contacting Paul Howard earlier in the year (2015) in respect to advice on my UK pensions, I would like to take this opportunity to offer our thanks to him for his help and advice in this matter and also to his wife, Lisa, for her administrative support. Fantastic team work which made the transformation of my UK Pension over to a QROPS scheme seamless and painless. It certainly is a pleasure and a great relief to know that expert advice and knowledge is at first hand and there is no doubt that we shall continue to do business in the near future." Mr Steve M (Cyprus)

"I first met Paul Howard in 2015 at FAO (the Organization where I used to work) after seeing an advertisement in the Organization’s newsletter about Blacktower and how it would be able to assist me to reduce Italian taxes on foreign currency. Mr. Howard immediately puts one at ease. As I have no confidence in handling finances he asked me where I had my monies and informed me what would happen if the foreign currencies were not re-arranged. He had the capacity of explaining very clearly all the moves and why they were necessary. So as not to block my head completely he gave me a list of actions to think about and gave me time to ponder. If I had a query he was always willing to help immediately either by email or on the phone. Gradually I gain confidence but only through Mr. Howard’s patience. When we next met I had a good idea of what was to happen and Mr. Howard started on the first accounts which were essential to be transferred. He kept me fully informed and even when there was a third party which was helping he would assist me in giving the correct replies! Gradually after meeting Mr. Howard many times my list of transfers decreased. Mr. Howard always gave me wonderful support and I would say that his attributes, apart from working out the financial problems, are his great patience and kindness. He absolutely lived his life understanding the difficulties I was encountering with all the sudden changes in my financial life."  Marie Alexander (Rome)

“Thank you so much for your help and advice over the period. You are not only an excellent professional adviser but have also become a good friend.  I hope we can remain in contact and I also wish you and Lisa good health and serenity in the future.”  Mr. Malcom Whittaker

"I can’t say enough about how happy, and comfortable, I am when working with Paul Howard, and Lisa who completes the great Team they have. I am not an expert, by far, and so it’s so reassuring to have Paul to help me decide what the best areas to focus on are, which at the same time match my personal circumstances and ambitions. I think most people are like me, meaning nervous at first, entering into new territory, but Paul has now reduced that to zero. Paul is also very fast to react, makes himself available in very quick timescales, and is a true 'Gentleman'." Philip Guard (Rome)

"Exceptionally clear and unpressurised advice. I had been to a number of Financial Advisers and none of them were as helpful and as comprehensive as Paul. A trusted adviser." P. Thomas (Gibraltar)

 

Paul Howard - Blacktower Financial Management

 

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