THE DIFFERENCE BETWEEN A SALESMAN AND A TRUSTED ADVISER

FIDUCIARY Wealth has been shaping the wealth of the British expatriate community in Spain through unbiased tax-led wealth management advice since 2007.

OUR DIFFERENCES

The company has strong professional connections to a prestigious and well-regarded law firm and a global accountancy network. These relationships reassure clients of our longevity as well as the credibility, integrity and quality of our financial advice.

LEGAL ROOTS

We are closely associated with Gibraltar’s longest standing, Band 1 law firm, established in 1892.

GLOBAL NETWORK

We are also a member of MGI Worldwide, a top 20 ranked global network of independent audit, tax, accounting and consulting firms with truly global reach – founded in 1947.

CLIENT RELATIONSHIPS

We understand the positive benefits of high client interaction and deeper client relationships as well as the importance of engaging in a broader dialogue to provide more client focused solutions.

CLIENT CENTRIC ADVICE

We provide fully independent, individually tailored and holistic financial advice.

WHY CHOOSE US?

We are passionate about helping improve the lives of the British expat communities we are so proud and privileged to serve.

Old fashioned approaches to product and service provision are changing, with clients demanding a shift away from a commoditized transactional offering to a tailored approach.

The British expat community in Spain is fed up of dealing with single-transaction financial advisory groups which purport to offer independent and customized advice but all they do is sell you a Spanish Bond without necessarily embedding any value.

There is a complete lack of trust in financial advisory practices which disguise extremely high commissions, that are often as much as 10%, by tying you into a life insurance product for seven years, through the use of early encashment penalties.

We have built our advice model around full disclosure and best client outcomes. It means our pricing is fair and transparent, fully independent and individually tailored to satisfy your needs.

We focus obsessively on delivering the best customer experience, eliminating complexity and making the product simpler and easier to use, providing more information and guidance to ensure the right purchase decisions are made, great customer service and reducing prices.

We have never been product driven. Our mission is to understand our clients’ biggest pains, fears and worries and help them achieve their dreams, aspirations and financial goals.

We put every ounce of energy into delivering the desired result – serving and embedding as much value as possible.

We are in the Costa Blanca area from 15th until 19th May 2023 and available for meetings throughout the area from Torrevieja to Valencia.

If you feel you would benefit from a second opinion to eliminate any doubts you may have about your finances or to review your existing investments which are troubling you due to volatile and challenging market conditions; please email enquiries@fwm.gi or call us on Tel: +350 200 50982 der competition rules or in the same manner as other similar companies operating in the market.”

*Our financial advisers are fully licensed, qualified and regulated to provide financial advice in Spain and across the EU.

The complaint talks about protecting intellectual property rights and asserts that Google is threatening the ‘plurality, independence, and freedom of the press’ in Spain

The CNMC did not specify the period to be covered by the probe, nor what sanctions Google could face if it is proven the company abused its strong market position in the country.

The European Union and several member states have taken steps to stop companies like Google from hindering competition, as well as tax avoidance on profits made from accessing news articles.

The March inflation rate is the lowest annual figure since August 2021 and has confounded predictions from economists who projected a rate of around 3.8%.

Angel Talavera, chief economist for Europe at Oxford Economics, said: “This should not make us believe that inflationary tensions are over.”

“Core and food prices will remain high, and in addition, the large fall in energy prices in the last months of last year will cause the opposite effect to that of March on the inflation rate in the last months of 2023,” he added.

Core inflation, which does not include variable fresh food and energy prices, was 7.5% year-on-year, slightly below the 7.6% recorded in February.

It’s the first drop - albeit marginal - in the core rate in 23 months.

Food prices are the main issue for most people in Spain with the last stripped-out figure reporting a 16.6% annual rate in February.

The Bank of Spain has predicted that food inflation will remain in double digits for the rest of 2023 with the annual rate in December predicted to be 12.2% before falling to an average rate of 4.6% next year.

If you live in Spain or own property and have bank accounts here, It’s advisable to have a Will written in Spanish to cover these assets. The Will must comply with current legislation for British citizens, giving you freedom to leave your possessions to whomever you choose, relative or not. As Spanish inheritance tax is based on a “kinship scale”, there are often many ways to reduce potential taxes.

ALBA CONSULTAS offer a FREE WILL CHECK. Just send a copy of your existing Will to info@albaconsultas.com, we will review it to ensure it meets all current legal requirements, we can also guide you to the best option to decrease future tax liabilities.

ALBA CONSULTAS – SOUND ADVICE AT REASONABLE PRICES

HAYFEVER sufferers will be able to breath easy this year. According to the SEAIC allergology society, 2023 will likely be mild for allergy sufferers.

By using a model based on historical data and weather forecasts, the society has predicted that spring will be mild for pollen on the Mediterranean coast but a little worse in areas such as Madrid, Castilla-La Mancha and Extremadura.

SEAIC reported that coastal cities such as Barcelona, Alicante and Murcia will see pollen levels of between 1,000 and 1,200 grains per square metre, rising to 2,000 in inland urban centres such as Lleida and above 4,000 grains in areas south of Madrid..

The cold winter has had an effect on pollen levels, in particular from cypresses and conifers, which are usually the first to shed their grains.

THE Murcia Mental Health Federation has been awarded the Gold Medal of the City for 25 years of defending the rights and serving the needs of people with mental health problems and their families. Coordinator Rosa Garrigos said: “We are very happy and grateful to all the people who have helped us in these