Long-Term Investing: Why Patience Often Pays Off
Market ups and downs can test even the most seasoned investors. But when it comes to building lasting wealth, research shows that remaining invested and keeping emotions in check is often more effective than trying to predict the perfect time to buy or sell. “Is now a good time to invest?” is a question that […]
Tax Freedom Day 2025: How Much of Your Year Goes to the Taxman?
If you’ve ever felt as though much of your working life is spent paying tax before you see any benefit for yourself, you may not be far wrong. With income tax, national insurance or social security, capital gains tax, VAT, council tax, excise duties and more, a significant proportion of income goes to the taxman […]
Forgotten Pensions: Why Expats Shouldn’t Overlook Them
For many British expatriates, pensions represent one of the largest parts of their wealth. Yet thousands of expats unknowingly leave retirement savings scattered across multiple schemes — some forgotten, some underperforming, others eroded by unnecessary fees. Since the UK’s auto-enrolment rules were introduced in 2012, millions of workers have been automatically enrolled in workplace pensions. […]
Financial Procrastination: The Hidden Threat to Your Wealth
When people think about why financial plans fail, they often imagine complex maths, volatile stock markets, or a lack of investment options. The truth is far simpler — and far harder to admit. The biggest threat to your financial future isn’t external. It sits between your ears. Human nature, more than market conditions, derails even […]
Moving to Spain? Your Financial Planning Guide for 2025
Whether you’re preparing to relocate or have recently made the move, choosing Spain as your new home is a decision that brings not only lifestyle advantages—sunshine, culture, and a relaxed pace of life—but also important financial considerations. Relocating to a new country can significantly change your tax obligations, investment options, and estate planning priorities. The […]
The Benefits of Financial Planning as a UK Expat
Why a strategic financial plan is essential for British nationals living abroad For British nationals who have chosen to live, work, or retire overseas, the expat lifestyle offers many opportunities—warmer climates, cultural enrichment, tax advantages, and improved quality of life. However, these benefits can quickly be undermined without careful and informed financial planning. Whether you’re […]
What the Spain & Gibraltar agreement means for Costa del Sol Investors
On 11 June 2025, Spain, the UK, the EU, and Gibraltar reached a landmark agreement that eliminates the land border checks (“la Verja”) between Spain and Gibraltar, integrating Gibraltar into the Schengen zone for passport-free movement Border controls will instead be carried out at Gibraltar’s airport and port via a dual-check system overseen by Spanish […]