Expat Financial Advice Spain
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00 34 645 257 525
Tino Nohlmans
So who needs financial advice anyway? Actually most of us do at some stage, especially when we are working hard to establish a new life in a foreign country.
Investments, Insurance, Inheritance. - So important to the financial health of you and your family in Spain. Some of us are fortunate enough to have mastered the language and also the intricacies of Spanish social systems, but most of us quite frankly struggle to adapt as situations arise and new challenges present themselves.
Throughout this time financial decisions still have to be made. At Spectrum we aim to help you make these all important decisions by understanding your financial circumstances and delivering sound, impartial, FREE advice.
Background
Along with the resources of The Spectrum IFA Group, one of Europe’s leading regulated independent intermediaries, Tino brings over 20 years’ experience to the financial services industry in The Netherlands, Germany, Belgium, the U.K. and Spain. He specialises in addressing the unique financial planning needs of expatriates and those with cross-border interests, as well as Spanish nationals.
In his career advising clients Tino has developed a strong understanding of secure and tax-friendly structures and strategies that can help his clients build their wealth, protect their assets and, ultimately plan their estates tax efficiently
As an independent adviser he provides his clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.
Clients
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income.
Clients are introduced to Tino either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as Wealth Relationship Managers, accountants, professional lawyers, trust managers or relocation specialists).
Tino works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!
The process
Tino provides an initial confidential consultation to:
- Assist you in evaluating existing pension, protection (insurance) and savings/investment provision in a comprehensible manner.
- Identify and prioritise your financial objectives (short, medium and long-term).
- Identify how to reach those objectives, on the basis of resources that you can comfortably afford. He feels it is important always to focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.
A report will be prepared recommending solutions matching your requirements and include any relevant product brochures, key features and illustrations of projected benefits/ returns - to enable you to make an informed decision. Crucially, we are not agents for any particular company- we represent our clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff and a bias to recommend their own products and services.
These recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and/or arrange access to holdings specifically of your choice.
Tino is a Dutch national and lives and works in Barcelona and is more than happy to visit you along the Costa Brava and Costa Dorada or anywhere else in this region whenever it suits you. There is no charge for our consultations or financial reports.
Contact Details:
Mr Nohlmans's Email Mobile: +34 651 570 290