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How / why did you get into your line of work in the financial services sector?

I actually entered the financial services sector by chance. In 2012 I was studying my Masters in Finance when I was cold called to meet with a financial advisor (back in the days when cold calling was normal). I frankly answered that I had no funds to invest, but if they had a job for me then we could continue the conversation. Two weeks later I was employed as a junior assistant in the team and the rest, as they say, is history.

2018 has brought good news for many expats tackling the idiosyncrasies of finance in Spain and, especially for those who want to manage their legacy planning successfully.

This is because British and other EU citizen expatriates in Spain have received a boost in relation to succession tax laws.

Under the Spanish regional system, expats in Spain (but not those from outside the EU or EEA) can avoid costly Spanish state succession rules on passing; instead they are able to take advantage of kinder regional laws, such as those just implemented by Murcia and Andalucía.

In these areas, if you have Spanish assets but have not quite yet become a fully-fledged expat or indeed if you have Spanish property but still reside full-time in the UK; your heirs, wherever they may live, are entitled to the full range of succession tax reliefs offered by the region in which your assets are invested. Sometimes this may be as much as 99% succession tax relief or, in some cases, total exemption.