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Page 10


Hello, this month I want to give examples of what our clients are telling us they want from their investments in very straightforward terms


Falling stock markets - Protection of capital. Low rates of interest - Higher and stable returns over the next 5 years. Reporting Assets - How to avoid legally reporting assets outside Spain. Pension Freedom - Knowledge on the options to make the correct choice to provide stable income from UK Pensions. Inheritance Tax - Correct ways to avoid or reduce Spanish inheritance


tax and easy


transfers to beneficiaries. Currency Variations - Set up payments on a consistent basis and avoid rate changes.


So my role is to provide practical solutions using our experiences


and expertise to


ensure the requirements of the clients are matched.


The current topics to consider are:- 1. Spanish residency, what is the best for me? 2. Am I paying too much tax? 3. What provisions have I put in place to provide income in retirement and for my spouse?


4. What are my future financial needs - growth or income and does my current investments meet them?


I offer a financial health check where these questions are discussed and practical solutions are agreed, the choice is then for the client to action.


We work alongside probably the best financial investment houses in the world and they offer our client the most exciting rates.


The questions I get asked most are:- 1. What would happen to my pension on my death and will the income give my spouse enough to live on? 2. Is it possible to get more income from my investments, as we want to “live a bit more?” 3. What can I do to ensure my beneficiaries pay as little tax as possible on my death? 4. Why are my savings going down in value?


Well all these questions are very valid and the answers are what I do daily so take advantage and speak to me and we can assist you in whatever is concerning you.


Relax after a FREE financial health check and enjoy Spain.


Come along and meet me next to Total FM at the Christmas Fair at the Denia Mariott on 28th & 29th November.


For more information on any financial matters you may have contact me on steve.iball@devere-spain.es or mobile 610 822 484.


HELP Diabetes Support


November Meetings Diabetes is serious business for the individual and for society. Here in Marina Alta, HELP have set up a Diabetes Support Group (DSG) led by a recently


Diabetes Specialist.


So whether you have diabetes, know someone with diabetes or want to know more about diabetes all are welcome to our meetings.


Teulada, Tues 24th Nov: Held in the MABS room of the IMED building, Cami Calvari,


Teulada. Guest speaker - Ms Ann Mather, Nutritionist will give a presentation entitled: “The Power of Nutrition: Managing Diabetes, Blood Pressure and Cholesterol”. La Xara, Fri 27th Nov: Held in the HELP Activity Centre, Avenida Oeste 29 bajo, 03709 La Xara (next door to the Tabac). Guest speaker – Dr Erik Rempt from the Clinica La Ermita, near Javea.


Both meetings are 4.30pm – 6.30pm. Every meeting gives time for questions on anything related to Diabetes as well as the advertised topic. Contact: Dorothy Cook, Lead Professional Volunteer on 634 349 240 or email diabetes.helpofdenia@gmail.com.


retired Nurse


Female Focus


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