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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      

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).

Succession Planning In Spain
Tuesday, 30 June 2015

Succession planning is one of those tasks that is easy to keep putting off, but do not risk leaving it too late.  If you do your estate may not be distributed as you wish, and your heirs could end up paying much more tax than they need have.

You need to plan to ensure that the people you want to benefit, benefit, and to reduce the amount the government takes from your loved ones in tax.

Exchange of information and living in Spain
Monday, 27 April 2015

Automatic exchange of information is almost here.  What does it mean for you, as an expatriate living in Spain? 

This loss of financial privacy affects us all.  If we live in one country and have assets in another, our information will be shared between countries. Tax authorities will be able to track our wealth like never before.

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