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deVere Spain


Summary: deVere Spain is dedicated to providing expatriates with the most suitable financial advice in Spain.


Address: Javea
Payment: /images/bank_transfer
Languages: /images/english, /images/spanish

When Contacting This Business:
Please Mention "Javea Online 24"

Contact Name: Steve Iball
Telephone: (0034) 952 903 205
Mobile: (0034) 610 822 484
Email: steve.iball@devere-spain.es
Website: Click HERE to visit website
deVere Spain Description:

deVere Spain | Financial advice & planning in Javea | Javea Online 24

deVere Spain is dedicated to providing expatriates with the most suitable financial advice in Spain.

The Business

As part of deVere Group, we offer a wide range of exclusive financial plans to our clients, enabling us to facilitate solutions that are specifically tailored to your needs. deVere Spain specialises in safeguarding and securing your retirement by providing manageable and effective pension plans.

We fundamentally cater to the following needs:
-Pension planning, including overseas expat pensions such as QROPS
-Retirement planning in Spain
-Managing frozen pensions
-Future provisions
-Taxation in Spain, including inheritance tax in Spain
-International mortgages
-General and holistic financial advice in Spain

As one of our clients, one of our regulated financial advisors in Spain will be assigned to you to help understand your needs and circumstances. Afterwards, your financial advisor will provide you with options that have been specifically tailored to your requirements, presenting you with opportunities to further protect your future.


Retirement & Pensions               

At deVere Spain, we believe that the moment you reach that age of retirement should be the same moment you can finally reap the benefits you worked so hard to achieve. Furthermore, we understand the appeal of holding your retirement abroad.
However you might find that retiring overseas could place you in a challenging position, especially when considering the true costs needed to support the desired lifestyle you would like to have during your retirement.
Our financial advisers in Spain can help you identify these factors, highlighting key areas to work on through sound advice.
With the resources granted by the deVere Group, a leading financial advisory firm, we can carefully construct tailored pension planning options that consider your needs and requirements whilst encouraging efficiency against the taxation in Spain.
What are QROPS?
A QROPS (Qualifying Recognised Overseas Pension Scheme) is a pension transfer scheme that is recognised by HMRC and meets certain conditions and standards equivalent to a UK pension. Any UK pension can be readily transferred into an overseas scheme, provided that the overseas scheme is registered with HMRC as a QROPS, and meets the requirements of the jurisdiction in which it is domiciled.
Is a QROPS suitable for me?
If you have a UK pension, have left the UK, plan to leave, or are a resident but not UK domiciled, a QROPS is one of the most favourable pension schemes available to you. However, obtaining professional financial advice is a must to ensure that you do comply with the rules.
Why should I choose a QROPS?
QROPS give you more control over where your pension fund is invested, allows you to consolidate a number of pensions into one QROPS and does not require you to buy into an annuity. Furthermore, the remaining fund is left to your beneficiaries without any deduction of UK tax upon death.
What are the key benefits of a QROPS through the deVere Group?
No need to buy an annuity  
Funds passed to beneficiaries in full after death: after completing 5 full tax years of non UK Tax residency, your pension will no longer be liable to UK income tax or death charges of up to 45% 
Flexible choice of currency your pension can be paid in  
Up to 25% pension commencement lump sum  
Secure jurisdictions  
Investment flexibility  
Transparent charges  
Greater investment freedom  
Succession planning  
Pensions can be consolidated in to one  
Free from UK lump sum death benefit charge  
Some jurisdiction allow your pension income to be paid gross


deVere Spain's insurance services can help you protect yourself, your family and your assets. With a wide range of exclusive products available only to deVere clients, deVere Spain can help you with your personal financial asset protection and risk management needs. These range from homeowners' insurance to professional indemnity insurance, as well as public liability insurance.
We refuse to compromise on quality, as we believe you and your loved ones deserve and should have the best and most comprehensive cover when it comes to protecting the things that matter most to you.
Inheritance Tax

" UK Inheritance tax (IHT) works very differently to its Spanish equivalent ISD (Impuestos sobre donaciones).
The major differences are listed below.

- In the UK it is the estate that is taxed - in Spain each individual beneficiary is taxed
- A UK estate has a nil rate band (tax free allowance) of £325,000 - in Spain each beneficiary has a tax free allowance of €15,996
- In the UK, inheritances and gifts between spouses are exempt from IHT - in Spain spouses are NOT exempt
- In the UK there is one set of laws which everyone is subject to - in Spain, there is a national set of rules although each autonomous community varies these
- There is no double tax treaty between Spain and the UK for Inheritance Tax"

Who is liable to ISD?
An individual resident in Spain is liable (by way of obligación personal) to ISD on receipts by him of assets (etc) sited anywhere in the world. An individual not resident in Spain is liable (by way of obligación real) on receipts of assets (etc) sited in Spain.
Note that nationality has no effect whatsoever. The only two questions are: where are you resident? ... and where are the assets sited?

deVere Spain Photos & Map:

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