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BLACKTOWER VIEW – Keith Littlewood in Murcia and Costa Cálida

New beginnings

Most commonly, Keith’s clients are new retirees who are between 60 and 65. Often Keith and his new clients sit down and discuss things over a glass of wine or a cup of coffee in the comfort of a home or café environment rather than in an office. After all, many of his clients are retirees who have just escaped offices and workplaces, what better than to enjoy your financial planning in a relaxed atmosphere.

Every new client relationship begins with a no-obligation conversation and this suits Keith just fine; he loves his job and he loves talking to people.

Keith’s clients all have one thing in common: they wish to get most out of their money so that they can enjoy their retirement to the greatest degree possible. As an international financial adviser and expat, Keith brings a uniquely informed perspective to help clients organise their investments and tax affairs.

Securing your financial future in Spain

Keith’s background in financial services encompasses a 25 year plus career working for firms such as Natwest, RBS and Royal London.

The skills and knowledge he developed are now enhanced by the years he has spent working for Blacktower Financial Management in Spain.

Issues that Keith now specialises in include:

  • Identification of long-term goals.
  • Overarching retirement financial strategies.
  • Planning for financial implications on the death of a partner.
  • Estate and inheritance tax planning.
  • Cross-border optimisation of assets and investment portfolios.
  • Currency exchange issues.
  • Pensions management including pensions consolidation and expat pension transfers.
  • Negotiating the Spanish fiscal environment.

Contact Blacktower FM in Murcia today

Keith Littlewood and the Blacktower teams across Spain can offer you advice on how to make the most of your money, including guidance on the many products that are available exclusively for British expats in Spain.

As an independent firm, we have access to the whole of the marked so are free to recommend whatever is best suited to you and your goals.

Contact Blacktower today, so that Keith can ask arrange an appointment with you. He will ask you the right questions, establish your individual needs, attitude to risk, capacity for loss and desired returns – all without obligation.

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.

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NEWS WRAP – Lost Pensions Worth £37 Billion

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This, says the firm, is because one in four over 55s have lost track of their pension funds, a fact that helps to account for a significant proportion of the UK’s approximately 1.6 million unclaimed pension pots. It is estimated that these funds have a combined value of around £37 billion.

The situation is even worse for younger retirement savers, with three in ten 25-34 year-olds saying they have lost track of a pension. One in ten respondents were not sure whether they would be able to account for all their pensions.

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Saving & Investing in Volatile Markets

Luke HuntGenerally speaking, saving money and planning for your future are two key aspects of financial planning. So, getting this right as early as possible should be one of your main priorities, to ensure that there are no nasty surprises down the line. There are a multitude of reasons that you might choose to put money aside, such as for a “rainy day fund”, a house purchase, your children’s education or making sure that you can retire comfortably.

Whatever your objective is, you can save by either putting money aside each month, or, if you have already managed to save money in the bank, look to gain a better rate of interest for a greater return. This could be a particularly advantageous avenue when you consider that in fact, once you take inflation into account, most money on a bank deposit will effectively be losing its value each month.

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