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Spotlight On … Clifford Knezovich – IFA

What is your special interest or particular field of expertise in the financial services sector right now?

Tax mitigation, Spanish Compliant Investment Bonds and ESG investing.

What is the most important aspect of your work, in relation to clients, or the part of your day-to-day role which gives you the most satisfaction?

When clients nod their heads, not because they agree, because they understand. Having confidence in yourself is as important as having confidence in your financial adviser.

What’s special/unique/most interesting about the region you work in?

The weather and the people – nobody can deny the average of 320 days of sunshine a year. Helping people make the correct investment decisions and allowing them to enjoy the weather is paramount.

Right now, what is your one piece of invaluable information for expats or anyone seeking retirement planning and wealth management advice?

Due diligence and second opinions.

Blacktower already has a long and successful history in the sector, how will you and your colleagues continue to offer value to clients in the next 20 years and beyond?

By adapting to an ever-changing investment landscape and keeping clients abreast of important developments.

Tell us an interesting fact about yourself

…. I’m terrible at golf, but even a blind squirrel trips over a nut from time to time.

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

Other News

Keeping the NHR Tax Regime Could Be Good for Portugal in 2018

Cave on beach in PortugalIn September 2017, it was announced that the Portuguese Government, following pressure from Sweden and a number of other European countries, was looking to water down the country’s non-habitual residency (NHR) tax regime, potentially bringing to an end a programme that has worked in the interests of expats since 2009. The uncertainty this proposed move provoked certainly threatened to put a dampener on the financial plans of quite a number of expats and would-be expats as they moved into 2018.

However, the budget proposal presented by the Portuguese government in November seemed to allay these fears. There was not a single mention of the scheme, which would have seen the introduction of a flat rate of tax of either 5% or 10% on income drawn from the pensions of NHRs.

In all probability any such move would have seen the pensions of existing expat NHRs unaffected; however, it would have presented a significant stumbling block to the retirement plans of many looking to move both their wealth and their residence status to the country.

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Misconceptions about Investing

If you are someone who is yet to dip their toe into the world of investing and as a result does not know much about it, it can seem like a daunting and slightly unnerving undertaking. This is not an unwarranted reaction; investment inevitably comes hand-in-hand with risk, but it is also important to remember […]

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