deVere Spain SL is registered with the Dirección General de Seguros y Fondos de Pensiones Nº J-2807, holding obligatory Professional Indemnity Insurance Cover with the company AIG Europe Limited for exercising the activity. Financial capacity in accordance with the Law.

To learn more about us or to contact one of our financial consultants in a location near you:

Stuart Dunn Associate Weath Consultantemail:stuart.dunn@devere-spain.es Office: +34 952 839 357 | Mobile: +34 691 762 688

We provide expert, impartial financial advice to expatriate clients and international investors around the globe, helping them create a sustainable financial future through a wide range of market-leading savings products, international life and health Insurance, pensions and investments.

Our commitment is to help our clients create value and wealth by suggesting the right financial products that best suit their needs, with a service culture that is second to none.

deVere Spain is part of the deVere Group, one of the world’s largest independent financial consultancies providing specialist financial solutions to international, high-net-worth individuals. It has a network of 70 offices across the world, more than 1,000 staff, over 80,000 clients and $10bn under advice and management.

International Retirement PlanningOne of the most important decisions you will ever make is to decide on the quality of life you wish to enjoy in your retirement years. Plan early and make your retirement years truly worthwhile.

Education PlanningEvery parent wants to give their children the best start in life. Of all the benefits you can provide, the one that has the most lasting value is a good education. Plan ahead for the best investment of your life.

University Fee PlanningEvery parent wants to give their children the best start in life. Of all the benefits you can provide, the one that has the most lasting value is a good education. Plan ahead for the best investment of your life.

QROPS - UK Pension TransfersIf you are moving abroad for work or retirement, you may want to transfer your UK pension savings to an overseas pension scheme due to the tax advantages on the pension draw-down and death benefits. Pension funds left in the UK are heavily taxed, in some cases up to 55%. Seek advice about QROPS to mitigate UK taxation.

EURBS - European Pension TransfersWhen you move abroad or retire, you could transfer your accrued EU pension into a more tax-efficient jurisdiction. EURBS allows you to not only have immediate access to your money when you retire, but also be able to receive a lump sum free of tax and pass on your pension fund to your beneficiaries in full.

QNUPS - Inheritance Tax PlanningMany UK expatriates do not realise that they remain UK-domiciled and are therefore subject to UK IHT on their worldwide estate, at a rate of 40% after allowances. If you are an expat and a UK passport holder, this can be the perfect tool to reduce tax liabilities on your estate.

Currency ExchangeThe exchange rate that a bank quotes typically includes the spot rate adjusted to ensure that it makes a profit on the transaction. At deVere FX, you can save up to 5% on exchange rates and may also be able to secure a rate today until up to 1 year in advance.

International MortgagesIf you are purchasing a new home, looking to finance a buy-to-let property, or looking to make improvements to your current property, deVere has a wide choice of mortgage products with competitive fees and interest rates. We can help you understand each stage of the house-buying process and help you choose the right mortgage.

WillsA will is a very important document which ensures that your wishes are carried out after you pass away. Many people have the perception that you need to be old, sick or wealthy to create a will. However, you probably have possessions that you care about, even if you are young.

www.devere-spain.es

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Wherever you are around the world

deVere // Feb 2014 // D120214