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 David Bowern




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 David Bowern

Not All Portfolio Bonds Are The Same
Tuesday, 10 November 2015

With the Common Reporting Standard – the new global regime for the automatic exchange of financial information – commencing in January, this is a good time to review your tax planning to ensure it is fully compliant in Spain and also that it is as effective as it can be. 

Tax efficient investment wrappers, offered through a Spanish compliant bond, can be very effective in Spain.  You can hold different types of investment within a bond, and they provide considerable tax advantages as well as succession planning benefits.

Are You Ready For The New Automatic Exchange Of Information?
Tuesday, 13 October 2015

We are about to enter a new era for international tax planning and cross border wealth management.

January 2016 sees the start of a new global automatic exchange of information regime that affects everyone who has financial assets outside their country of residence.  Financial privacy is dead and buried, to the point where your local tax authority will passively receive information about your investment assets without having to ask for it. 

Everyone should be aware of what information will be shared about their income and assets, and consider what tax and estate planning arrangements are best suited for them and their family. 

Tuesday, 13 October 2015

Once you reach retirement age you need to carefully consider all your options for your pension funds, and how they affect your income, tax bills and the transfer of the balance to your heirs.  British retirees have a wide range of possibilities to choose from today, and expatriates have the further option of Qualifying Recognised Overseas Pension Schemes (QROPS) to consider.

10 Things to Consider When Moving to Spain
Tuesday, 22 September 2015

Are you planning to move to Chiclana de la Frontera?  What a good choice.  It is a lovely part of Spain, with so many different factors contributing to a very enjoyable and beneficial lifestyle.  Spain also offers many advantages from a financial point of view. 

New EU Succession Regulation Affects British Expatriates in Spain
Monday, 17 August 2015

A new EU regulation on succession comes into force on 17th August 2015. British expatriates living in Spain need to understand how it affects them.   They may need to take action to ensure their assets are distributed to their heirs according to their wishes.


European Succession Regulation EU650/2012, known as “Brussels IV”, was devised to provide certainty as to which law will apply in governing a succession.  It allows individuals to opt for the succession law of their country of nationality to apply instead of that of their country of residence.

UK Bank Deposit Guarantee Cut by 10,000
Monday, 17 August 2015

Bank clients across Europe have their savings protected in the event of bank failure.  There is a limit to this deposit guarantee, and the UK’s limit will be reduced from £85,000 to £75,000 from 1st January 2016.


During the banking crisis, the EU issued a directive to ensure that all European countries have a guarantee scheme to refund bank depositors up to €100,000 should the financial institution be unable to pay claims against it,  for example if they have stopped trading or been declared in default.   This was designed to give savers peace of mind and prevent a run on a troubled bank.   Spain has the Fondo de Garantía de Depósitos, while the UK has the Financial Services Compensation Scheme (FSCS).

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