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Page 12 Don’t Panic Captain Mainwaring
As a financial advisor, you can imagine that it’s been rather busy since the Brexit Referendum. Whilst it’s impossible to predict the future, there are some things that we can still advise on.
by Steve Iball Consultant deVere Spain
The first thing to be clear is that until Article 50 of the Lisbon Treaty is invoked, nothing legally has changed. Our rights to live and work in Spain remain ‘as is’ for the foreseeable future, which is at least between 2 and 3 years from now. This means no change in individual benefits such as access to healthcare, education, etc. We are still members of the EU. What has happened of course is that the markets have responded and we’ve seen a level of volatility not seen since 1995. Perhaps the most obvious is the change in the exchange rate.
In addition to this, there can be no doubt that a significant number of expats’ finances will be affected. In many ways, this is a huge “wake up call” at an individual level. There can be no better time for a financial ‘health check’, to take control of your savings and pensions.
Our role at deVere is 3-fold. Firstly to establish your financial portfolio. That may sound rather grand but it applies to everyone, whether your savings range from just a few thousand to several hundreds of thousands. Secondly, with a clear base, we sit with our clients on an individual basis and advise the best course of action to maximise your portfolio based on several factors: but importantly taking into account your expectations and risk. And finally, our job is to then monitor and steer your ‘portfolio ship’, keeping you appraised at all times of where we are.
Importantly, deVere is fully regulated in Spain, thus should the UK exit the EU, your finances are still properly regulated and protected. I often say to people “imagine thinking your pension pot was worth £100,000 only to get to retirement and find it’s only worth £75,000 when you begin the draw on it”. It’s simply not worth the risk. So my advice, it’s never too late.
Call me to arrange your free financial health check and take back control of your finances.
To book your free financial health check, just pick up the phone and call Steve Iball at deVere on 610 822 484 or email
steve.iball@devere-spain.es.
Female Focus
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