sparse

What is an IFA?

Knowing what kind of adviser you are dealing with is important Financial advisers and planners can go by many different titles and present themselves in different ways. In Italy, the most common financial adviser is known as a Promotore Finanziario. These are not IFA’s in the international context. A Promotore Finanziario usually works for or […]

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Capital protection and growth in one investment?

Investing with confidence is something many of us find difficult to accomplish. Bad news sells, and the economic environment and uncertainty we hear around us and in the media, can combine to make us risk-averse, unwilling to invest and shy of putting our savings into a new investment. However without investment, without some risk, your […]

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Special event invitation: Milan, April 14 … all about your personal finances

On 14th April in Milan, The Spectrum IFA Group will host a special seminar on personal financial matters, answering client concerns and outlining what strategies and actions you can take to safeguard your financial future. As an expat living in Italy, what financial matters worry you the most? This event will provide a unique opportunity […]

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Declaring your tax position in Italy (and post-Voluntary Disclosure program)

This article could have been called “Tax Disclosure post Voluntary Disclosure..” but maybe that’s just too many disclosures! From time to time I receive enquiries regarding the foreign assets and income of expatriates or new immigrants to Italy. How should these incomes or assets be disclosed to Italian tax authorities? and how will they likely […]

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What is the financial cost of raising a child?

Are you or someone you know counting the costs of raising a child? What’s it going to cost you, and should you care? With multiple priorities and demands on our time, the increasing costs of living the lifestyle we want to live, and deep concerns about the kind of world we are bringing our kids […]

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Tax and Information sharing is real

Recently within our network of advisers we were made aware of this experience retold by one of our Spectrum IFA group clients. Here are the reprinted words of my adviser colleague in Spain: “This is the first time that I have almost first hand knowledge of full exchange of information between two countries’ tax authorities.  […]

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Grexit, Greferendums and the European effect

Recent events in Greece and the effects of now being in arrears with regard to their IMF debt repayment, cannot escape our screens. Now as Greece stumbles toward a referendum this Sunday, many are wondering what could happen next, and what will it all mean? This article is to provide my observations and add to […]

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Is your family Will still valid in Europe?

Changes to European law could override your Will decisions A Will is a legal document that sets out your wishes including the distribution of your assets when you die.  Making a Will is the only way you can ensure that your assets will be distributed according to your wishes. However ‘forced heirship’ in place in […]

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The Spectrum Group is regulated by the French regulator ORIAS - responsible for Insurance Intermediaries in Banking and Finance.
Spectrum operates a branch location in Italy, and is registered with Italian regulator IVASS (Istituto per la Vigilanza sulle Assicurazioni)
TSG Insurance Services (Rome branch)Via Livorno, 45, piano I, interno 3, Roma. TSG Insurance Services S.A.R.L.
Siège Social (Headquarters) : 34 Bd des Italiens, 75009 Paris. R.C.S. Paris B 447 609 108 (2003B04384)« Société de Courtage d’assurances »« Intermédiaire en opération de Banque et Services de Paiement » Numéro d’immatriculation 07 025 332 – www.orias.fr « Conseiller en investissements financiers », référencé sous le numéro E002440 par ANACOFI-CIF, association agréée par l’Autorité des Marchés Financiers »