UK–Europe Financial Guidance

Wealth,
Optimised
for Life in Europe.

You've done the hard work building your wealth. Now let's make sure it's working for you. Whether you're based in Spain, Germany, France, or elsewhere in the EU, I help you get your UK finances working properly for your life abroad: protecting your pensions, optimising your portfolio, and keeping you compliant on both sides.

Book a Free Discovery Call See What I Do

No obligation. 30-minute call. Regulated advice.

Cameron Bird, UK-Spain Financial Advisor

Regulated Advisor

deVere Group

The Reality of DIY

Cross-border finance is the one place you can't afford to guess.

UK–Spain financial planning sits at the intersection of two tax systems, two regulatory frameworks, and decades of your life's work. The stakes are too high for a Google search.

Dual-taxation traps

Without knowing the UK–Spain double taxation treaty inside out, you risk paying tax twice on pension income, dividends, and property gains. Most people don't find out until it's already happened.

Wealth tax exposure

Spanish Patrimonio tax catches expats off-guard every year.

Non-compliant investments

UK ISAs, funds, and certain wrappers can become tax-inefficient or non-compliant the moment you become a Spanish resident — even if nothing about your investments has changed.

Lost pension pots

Job changes, company rebrands, old paperwork thrown away. Forgotten pension schemes are more common than you'd think.

The Advisor Advantage

I handle the complexity. You enjoy Spain.

Based in Spain and primarily serving UK expats here, I also work with clients across the EU, including Germany, France, and Portugal.

  • Ongoing monitoring of UK and Spanish tax changes — so nothing catches you off-guard
  • Proactive restructuring before changes hit
  • Access to Spanish-compliant investment structures that aren't available to retail investors
  • A complete picture across pensions, savings, property, and inheritance
  • One point of contact. Two countries. No more chasing multiple advisors who don't talk to each other.
Let's Talk About Your Situation

Common Situations

Do any of these sound familiar?

Lost track of your UK assets?

Old workplace pensions, dormant ISAs, forgotten savings accounts. I trace and consolidate everything so you have a complete financial picture.

Unsure how your UK assets are taxed in Spain?

Pension income, rental yields and dividends each have different treaty treatment. I identify and implement structures that legally reduce your bill.

No clear investment strategy for 2026?

Markets are complex. Spanish tax rules on investment gains even more so. I align your portfolio with your goals and your Spanish tax position.

What I Do

Two pillars. One joined-up strategy.

Your UK wealth splits into two categories. I handle both, individually and as part of a holistic cross-border plan.

Pensions

Tracing & Consolidation

Decades of employment leave a trail of pension pots. I track down every scheme, value them accurately, and build a compliant drawdown strategy optimised for your Spanish tax position.

  • Full UK pension tracing across all previous employers
  • State Pension entitlement review & forecast
  • Transfer analysis: SIPP vs QROPS vs retained structure
  • Spanish-compliant drawdown & income planning

Investments

Lump Sums & Regular Savings

Whether you're deploying a property sale, inheritance, or building wealth month by month, I structure your portfolio inside Spanish-compliant, tax-efficient wrappers that compound returns and minimise annual tax drag.

  • Lump sum deployment & phased investment planning
  • Tax-deferred Spanish investment bonds
  • Portfolio review aligned to your risk profile
  • Wealth tax (Patrimonio) mitigation strategies

How It Works

A clear process, from first call to long-term partnership.

01

Discovery Call

Free · 30 minutes

We map your full financial picture: UK & European assets, residency status, tax position, goals and timeline.

02

Tailored Strategy

Comprehensive · Written report

I build a written strategy across pensions, investments, and tax, specific to your situation. You see exactly what I recommend and why before we move forward.

03

Ongoing Partnership

Proactive · Continuous

I monitor your position continuously. As your life changes and tax rules evolve, I adapt your strategy and keep you informed every step of the way.

Start with a Free Discovery Call

Book a Call

Let's Talk About Your Situation

We'll map your full financial picture: UK assets, European assets, residency status, tax situations, goals and timeline.

Book a Time to Talk →

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Your information is kept strictly confidential
Regulated under deVere Group compliance framework
Experience advising UK expats across Europe

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