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 Andrew Southgate







Articles in this section are supplied by Andrew Southgate, Private Client Manager at Blevins Franks. 
Find out more about Andrew on their website.



 Andrew Southgate      

Brexit And Expatriatesí Pensions
Thursday, 04 August 2016

One area of concern for British expatriates living in Spain is how the UK's decision to leave the EU will affect their pensions. 

As with issues like residency and healthcare, the rights you have now should remain in place until the UK is officially no longer an EU member state, a process that may take two years or more.  This gives you plenty of time for to consider your options.  We may find that nothing materially changes after that in how we draw and receive UK pensions in Spain, though income may be affected by exchange rate movements. 

A Question Of Residence
Thursday, 04 August 2016

Brexit has brought the issue of residence into the spotlight, so it is worth taking a look at the Spanish residence rules and what you need to do.

It is very encouraging for expatriates that the new UK Prime Minister, Theresa May, continues to confirm her commitment to secure the rights of British nationals living in EU countries.  However, nobody knows exactly what a post-Brexit world will look like, so if you were considering taking actions it may be best to act now, under rules we understand, rather than risk doing so later when the rules may become more difficult. 

So if you intend to live in Spain post Brexit but have not yet officially registered your presence, it may be a good idea to get this sorted now.

What Does The Brexit Result Mean For UK Expatriates?
Friday, 01 July 2016

This is a very historic moment for the UK.  43 years after joining the European Community it now starts the process of leaving the EU.  This is new territory for us all, and while we hope for a smooth transition there will be a period of uncertainty until the various negotiations are completed and we find out what the changes will be.


Leaving the EU will affect most UK nationals, in varying degrees, whether you live in the UK or abroad.  Expatriates living in the EU have extra concerns such as over residency, healthcare, property rights etc.

No-one can be sure exactly what will happen next, but we can put your mind at ease in some key areas.  

Modelo 720 Proves Profitable
Friday, 01 July 2016

Modelo 720 may be unpopular with residents of Spain, but it is proving rather successful for the Spanish government – which was the intention, of course.

In May, the Spanish tax authority Agencia Tributaria published new data regarding Modelo 720. 
Looking After Your Pension Starts With Avoiding The Scammers
Tuesday, 07 June 2016

Today, more than ever, there is a range of choice when it comes to what you can do with your pension. An unwelcome side-effect of this freedom is an increasing number of scams targeting people with pension savings.

One option open to British expatriates is to transfer their UK pension into a Qualifying Recognised Overseas Pension Scheme (QROPS). For many people this is a suitable way to bring their pension with them when they relocate. However, it is by no means a ‘one size fits all’ solution. It is also a common focus for scammers looking to defraud people out of their pension savings. It is crucial to look at all your options and seek regulated, personalised advice when considering a QROPS or any other pension transfer.

Are You Paying Too Much Wealth Tax?
Tuesday, 07 June 2016
There are so many attractions and advantages to living in Chiclana de la Frontera.  However, some expatriates find the tax burden in Spain quite high, especially if they are liable to wealth tax on top of income tax.

Wealth tax returns need to be submitted by the end of June 2016, for assets held at 31st December 2015. Married partners need to make separate returns reflecting your share of any joint assets and liabilities in addition to any personal items.  If you are unhappy with your wealth tax liability now is the time to seek advice to see what you can do to reduce your tax bill next year.

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