Pension · Investment Planning
Cameron Bird
For clients living in Spain and across Europe. UK pension consolidation, investment strategy, and tax-efficient planning, handled by one person who understands both sides.
—No obligation · —30 minutes · —Regulated advice
The Reality
Living across borders means navigating multiple tax systems, overlapping regulatory frameworks, and decisions that affect the rest of your life. This is not the kind of planning you piece together alone.
Lost pension pots
Job changes, company rebrands, old paperwork thrown away. Forgotten pension schemes are more common than you'd think.
Non-compliant investments
UK ISAs, funds, and certain wrappers can become non-compliant the moment you become a European resident — even if nothing has changed.
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.
Wealth tax exposure
Spanish Patrimonio tax catches expats off-guard every year. Structuring assets correctly before you cross the threshold makes a significant difference.
The Advisor Advantage
One adviser. A complete picture across pensions, savings, property, and inheritance. Every decision made with your cross-border situation front of mind.
Ongoing monitoring of UK and European tax changes — so nothing catches you off-guard
Proactive restructuring before regulatory changes hit your portfolio
Access to compliant investment structures not available to retail investors
A complete picture across pensions, savings, property, and inheritance
One point of contact. Multiple countries. No more chasing advisors who don't talk to each other.
What I Do
Your UK wealth splits into two categories. I handle both — individually and as part of a holistic cross-border plan.
01 — Pensions
Pension Strategy
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.
02 — Investments
Portfolio Strategy
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.
How It Works
Discovery Call
Free · 30 minutes
We map your full financial picture: UK and European assets, residency status, tax position, goals and timeline.
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.
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.
Get in Touch
We'll map your full financial picture — assets, residency status, tax exposure, and what needs to happen next. Free, no obligation, 30 minutes.
Book a Time Directly →Send a Message
