News & Insights

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.

Other News

Auto-Enrolment increases number of savers, but are they saving enough?

Piggy bankStatistics from the Office for National Statistics (ONS) have shown that a record number of savers are now members of workplace pension schemes.

The figures show that the proportion of employees who are contributing to a company pension has risen significantly in the five years since Auto-Enrolment (AE) began.

AE was introduced in 2012 and makes it compulsory for employers to automatically enrol all eligible employees into a pension scheme unless the employee actively opts out. An employee is eligible for AE if they are aged between 22 and the state pension age and have a salary of more than £10,000.

In 2012, prior to AE, 47 per cent of UK employees were enrolled on a company pension scheme. This figure has now risen to 73 per cent in 2017. In other words, there are over 9.5 million more people saving for their retirement than there were five years ago, and it’s mainly thanks to AE.

Read More

PRR Proposals Could Place Unfair Burden on New Expats

House and CalculatorHMRC proposals to dispense with private residence relief (PRR) could be a stumbling block for expat’s wealth management plans as significant amounts of capital gains tax relief could be lost if the proposals become law. But what is PRR, and what does PRR mean for new expats?

Read More

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