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Brexit – In or Out

There is a lot of scaremongering going on at the moment and even more unanswered questions on how a Brexit will affect expatriates in Europe, of which some 800,000 currently live in Spain. Be it in relation to healthcare entitlements, pensions, employment or the basic question of whether expatriates still have the automatic right to live within the EU. I am sure over the next few months this will become clearer to all.

Is in or out the right way to go? Like everything in life, everyone has their own opinions and only time will tell if the final decision was ultimately the right one. If you want your voice heard and your opinion to matter, and have lived outside the UK for less than 15 years, then you need to register to vote at https://www.gov.uk/register-to-vote.

With all this uncertainty making the money and stock markets even more volatile, as well as the Bank of England and the ECB talking of cutting interest rates further or even making them negative, now is the time to make sure your financial affairs are in order, working for you in the best possible way and that they are in the right place for you no matter what life throws at you.

Blacktower Financial Management has been established for 30 years and has worked with clients through the good and the bad times, offering sound advice and helping clients make the best decisions for their needs. 

At Blacktower Financial Management we pride ourselves on being totally independent; we offer products that can suit all needs, be it a product that can to a certain extent smooth out volatility and offer consistent returns or a product that can mitigate inheritance liabilities. For those of you interested in wealth preservation we work with one of the oldest and most respected Swiss Banks, Lombard Odier, who specialise in helping high net worth individuals manage their wealth. We believe everyone should have a choice.

Other News

Is time almost up for the 15-year voting rule?

HourglassIf you’re a British expat who has lived outside the UK for at least 15 years, then current legislation denies you the ability to vote in parliamentary elections and referendums.

It’s a policy that, suffice to say, has become very controversial given recent events. Long-term expats already feel that their fate was taken out of their hands when they were denied a vote in the EU referendum and this year’s General Election, which was an election largely based around Brexit.

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New Spanish Will Laws from 17th of August

Blacktower Financial Management

Many of our clients will have beside their property and / or bank accounts here in Spain still assets abroad.  This could be a property in the “home” country, a share portfolio in Luxembourg, an offshore bank account etc.

Most would have a Will covering these assets in their home country and without specific mention of the asset will have laid out their wishes in the form of for example “spouse to spouse on first death and on second death to the children” which would apply to all their assets.  

Should the person have not bothered taking on a Spanish Will then the heirs would have to go through the extra work and costs involved in relying on a UK or foreign will for the disposal of the Spanish assets.  The Will would have to be translated and apostiled adding delays and extra costs at a difficult time for the heirs.

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