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Spotlight On … Keith Littlewood – Regional Manager Costa Calida

What is your special interest or particular field of expertise in the financial services sector right now?

Portfolio management and retirement planning. I actively invest for my own retirement which is just around the corner and I employ the same efforts in making my clients’ portfolios grow as much as possible.

What is the most important aspect of your work, in relation to clients, or the part of your day-to-day role which gives you the most satisfaction?

Relationship building and actually getting to know like-minded people. I have been in Spain 10 years now, so helping people who are just moving over to avoid the financial pitfalls and mistakes I have seen happen to others is always satisfying. Being a reliable point of contact for them in other aspects of living abroad other than finances. Having meetings in a very relaxed environment without being rushed is very important. The ability to sit and review a client’s finances by the pool over a drink is priceless, especially after spending long hours in stuffy, dark, banking environments for over 20 years of my working life.

What’s special/unique/most interesting about the region you work in?

My clients are mainly retirees who want to make the most of their hard-earned money and enjoy life feeling reassured that I am looking after their best interests. Locally we have the Mar Menor waters and mud pools, which are packed with natural minerals for the skin so that your body can be as healthy as your finances. In the region in which I work and live, there are many beaches where dogs are allowed, which means that I can take my 3 ‘dog children’ to the beach where they can enjoy a frolic in the Sea.

Right now, what is your one piece of invaluable information for expats or anyone seeking retirement planning and wealth management advice?

Do not rush planning your finances. Making large financial decisions is something that should be done in a considered manner. If you are moving to live in a new country, rent initially before you buy a property so that you can explore and find your perfect location. When investing, if you are not 100% sure that you are making the correct decision then get a second opinion – there is never a situation where you should feel pressured into any decision.

Blacktower already has a long and successful history in the sector, how will you and your colleagues continue to offer value to clients in the next 20 years and beyond?

I have been in Spain and with Blacktower for 10 years now, and plan to spend the next 15 years here until I retire. There is an infrastructure within Blacktower that means anyone investing through us now can be looked after for the rest of their life.

Tell us an interesting fact about yourself

I played in the World Series of Poker Seniors Event (over 50s) in Las Vegas in 2019. I finished in the top 100 of over 6000 entrants!

Other News

Savings important to expats on frozen pensions

Although having solid expat regular savings is important no matter what the financial climate, it is good to see that recent efforts by campaigners to end the freeze on state pensions currently endured by more than half a million retired expats abroad may be gaining momentum.

As it stands around 550,000 retired Brits abroad have to rely on their expat regular savings to top up a state pension which was frozen at £67.50 a week; nearly a full £40 less than the sum received by other pensioners.

The unfairness of their situation is compounded by the fact that the Government has struck individual deals with certain nations ensuring the full, unfrozen pension, but has left the expat residents of another 150 countries stuck with the year 2000-level pension.

Read More

Your Expat Pension and Exceeding the Lifetime Allowance

CalculatorThe pensions tax relief Lifetime Allowance (LTA), otherwise known as the pension lifetime limit, should be an area of active concern for any expat with a high-value pension.

Despite this, far too many wealth management clients have insufficient knowledge of precisely what the pension lifetime limit is and they could be affected. In fact, significant numbers of expats may be unwittingly breaching the LTA pension limit, oblivious to the possible consequences.

Read More

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