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Will LABOUR'S TAX PLANS Affect Brits in Spain + Possible INTEREST RATE CUT This Year?
Oct 29, 2024
The new Labour Government in the UK had already set out possible changes to inheritance and other taxes, but how will it affect those now living in Spain? And news from the US hints at a possible cut in interest rates before their election. Will this be seen elsewhere as inflation cools?
Hear Christina Brady from @blacktowerfinancialmanagem7049 every other Thursday with with Kal at 16:00 CET
For any enquiries contact info@blacktowerfm FAO Christina or get in touch through the website: www.blacktowerfm.com
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0:00
we specialize in protecting preserving
0:02
and growing your wealth Black Tower
0:04
financial management the team you want
0:06
by your side visit blacktower fm.com B
0:09
radio International on a Thursday and
0:13
joined Now by Christina Brady from Black
0:15
Tower financial management when you get
0:17
a pension in the UK when you decide you
0:19
take your pension at the moment you can
0:20
take 25% taxfree um conservatives are
0:23
already cap that so no one could take
0:25
more than
0:26
268,000 taxfree not that many of us got
0:29
that to take taxfree but it looks like
0:32
labor could reduce that taxfree lump
0:34
Summit even more um and it depends how
0:37
far down they go also pensions if you
0:39
have a pension in the UK it is not
0:42
included in your inheritance tax
0:45
calculations so basically if you die and
0:48
your estate is held is held in pensions
0:51
then there is no inheritance tax to pay
0:53
whether you're over the allowance or not
0:56
so labor are saying they are looking at
0:58
ways to include the value of Pensions in
1:01
the estate for inheritance tax which
1:04
will have a huge impact because we've
1:06
got products called like cups Etc which
1:09
you take your assets and you place them
1:11
in a pension pot so you can property in
1:14
there you can put various Assets in
1:16
there and it protects you from
1:17
inheritance tax in the UK If you go
1:19
above the threshold they're talking
1:21
about getting rid of that um or you
1:25
know imposing some sort of tax on it so
1:28
that could really impact act um how much
1:32
the older generation have to pass on to
1:34
their children and their grandchildren
1:36
and let's be honest their children and
1:38
grandchildren most probably need the
1:39
money because nowadays there's no golden
1:41
plated pensions in employment uh you
1:44
know house prices are through the roof
1:46
most people can't afford them so that
1:47
could have a really really big impact on
1:50
people and also reducing people's
1:52
personal tax allowance and saving tax
1:54
allowances he's talked about doing that
1:56
so we'll have to wait and see what does
1:59
come out but if they do follow through
2:01
with those it doesn't bode well if
2:04
you've worked hard all your life and
2:05
you've put savings away and you've put
2:08
lots of money into your pension part
2:10
hoping that you can hand it on to other
2:12
people you know inheritance tax free and
2:15
inheritance tax is a bug bear you work
2:17
all your life you work blinking hard to
2:20
save money to buy a property and then
2:22
when you die they've tax you your whole
2:24
blinking life everything you know
2:26
literally everything you do is taxed
2:28
apart from breathing I'm sure they could
2:30
do that they would they are the
2:31
certainties aren't they death and taxes
2:33
they say yeah it's something you're
2:35
certain off in life so we'll have to
2:36
wait and see what happens in the UK okay
2:38
what about Bankers same um because
2:40
Jerome poell the uh US Federal Reserve
2:43
Chief has been fueling hopes of interest
2:46
rate cuts from the FED uh World stocks
2:48
have extended their rally that we've
2:50
seen in recent days week us data
2:54
apparently helping that I'm not quite
2:56
sure I can get my head around that
2:57
though but Market's now pricing I don't
3:00
know I it doesn't make sense to me but
3:02
Market's pricing in a 74% probability of
3:05
reduction in September up from 65% and
3:08
of course the you know the old adage
3:10
that uh you know if America sneezes the
3:12
rest of the world catches a cold um so
3:14
and also I would imagine they might be
3:16
wanting to do something just before the
3:17
election I don't know you see I think
3:19
they were holding off because they
3:20
didn't want to be seen to be influencing
3:22
the election but after Biden's a busal
3:24
performance there may do a rate cut in
3:27
September to try and make things look
3:30
good and to try and encourage people to
3:32
feel more positive about what's gone on
3:34
we'll have to wait and see but I think
3:36
if the US Cuts rates as I said we may
3:38
see a small cut in the UK we've already
3:40
seen the ECB doing one I'm not sure
3:43
there's many more to come this year I
3:45
think inflation is still there it's
3:47
still in the background it's still not
3:48
stable and obviously we're in the summer
3:50
at the moment when energy costs are low
3:52
once we get into autum again energy cost
3:55
could Rise Again food cost could rise
3:57
and it could push inflation back up
3:58
again so I don't think anyone wants any
4:00
knee-jerk reactions I think a small cut
4:03
could come but it's not going to affect
4:05
anyone who's borrowing money or anyone
4:06
who's saving money well the headlines
4:08
seem to be talking about the price of
4:10
basic food soaring by 2030 and we're
4:14
talking the likes of olive oil and baked
4:15
beans I didn't think they could go any
4:17
higher I didn't think olive oil had it
4:19
it's absolutely ridiculous I think you
4:21
know grow an olive tree and see if you
4:22
can make your own oil if that's possible
4:24
um no it is ridiculous um but then you I
4:29
don't I don't know if anyone's been
4:30
watching it but I started watching
4:31
Jeremy Clarkson's the farm and when you
4:35
understand how much they get from
4:36
selling a cow to a supermarket they get
4:40
something like £1,800 and yet if you
4:42
manage to sell the parts of the cow
4:44
yourself if you've got a farm shop
4:45
you're going to get about
4:47
£10,000 so how much do supermarkets make
4:52
you know Farmers should be paid a good
4:54
amount for what they produced because
4:56
they keep us fed they Keep Us Alive and
4:59
they are the backbone of the country and
5:03
I think we have huge problems and I
5:04
don't think any government is tackling
5:06
those sort of problems at the moment I
5:07
think as much as I didn't want to watch
5:09
this program it was very enlightening
5:11
and I think it did bring to the four how
5:13
much we need farmers and how much they
5:15
are undervalues and how hard their lives
5:18
are and I can understand now why they
5:19
all went out in their tractors and they
5:22
all did demonstrations across the world
5:24
not just in the UK not just in Europe in
5:26
America in Canada and everywhere else
5:28
yeah we were talking about the recent
5:31
Euro Zone inflation figures that were
5:34
out the headline saying at 2.5 but
5:38
actually when you uh make it make the
5:40
figures actually tell the truth we're
5:42
looking at more like 4% the ratings
5:44
agencies don't let them get away with it
5:46
though do they because you got people
5:48
like S&P sending debt warnings not just
5:51
to France and other top economies across
5:54
Europe but also to the us as well which
5:56
is worrying oh God the US that is out of
5:59
out of control you know Biden's just
6:02
spent spent spent spent spent spent
6:04
spent giv money away to different
6:06
countries across the world uh and
6:09
money's just disappeared no one's
6:10
accounting for it and the debt is just
6:12
going up through the rof um and I it's
6:15
just ridiculous how countries can get
6:17
into so much debt um who's buying the
6:21
debt for a started we know the Chinese
6:23
hold a lot of the of the United States
6:25
oh they do the Chinese hold most of the
6:28
debt they've got control over most those
6:30
countries which is rather alarming how
6:32
will that help them though if if nobody
6:34
can pay it they they hate China if you
6:38
look what they're doing on EV Vehicles
6:39
why don't they just default on all the
6:41
debt and then China won't have anything
6:43
to hold over them you know we've got the
6:45
whole EV Saga where the EU has just well
6:48
from Friday it will increase the tariffs
6:51
on electric vehicles from China despite
6:54
the risk of a
6:56
trade so they're going to range from 17
6:59
to 30
7:00
7.6% and that's on top of the 10% they
7:03
already put on as Duty although it's
7:06
it's far short of the 100% that the
7:08
Americans put on um but as you said if
7:11
China home most of the debt why don't
7:13
they just default on it and start a
7:15
again from a clean slope the EU you
7:17
obviously thought that yeah that's what
7:19
I figured you know if there it's all
7:21
well and good them having all the debt
7:23
but if you can't pay it well then it's
7:26
being bankrupt if you get bankrupt they
7:28
put together this pack package and
7:29
usually they write off the debt and you
7:32
can't borrow again for the next I don't
7:34
know four or five years and then you
7:36
start off again it'd be lovely to scrap
7:39
everyone's debt and say right no one can
7:41
borrow any money for the next five years
7:43
you might do with what's coming in and
7:45
see how we all cope if we are not paying
7:47
all the interest on all the debt we owe
7:49
maybe countries would be able to
7:51
actually uh manage to you know to fund
7:54
themselves you never know and if you
7:56
know they didn't keep on Shilling out
7:57
money giving it left right and Center to
7:59
to causes they're not worried though are
8:02
they the EU about any fight back on on
8:06
putting the extra Duty on I'm not quite
8:08
sure why they're not worried about it I
8:10
think they would be we'll wait and see
8:13
let's see if they actually follow
8:14
through because if you remember when
8:15
everything Ked off with Russia and
8:17
Ukraine the EU wasn't going to buy any
8:20
energy from them and Etc but it ended up
8:22
doing it and the energy still came into
8:24
Europe and to the UK at a higher cost
8:26
but it went via India so there are ways
8:29
around it so let's see what happens here
8:31
there something else that the EU have
8:32
been working on recently trying to close
8:34
some of those loopholes but um it all
8:36
seems to be a bit too too little too
8:38
late it is it always is they always say
8:41
oh we'll look into it we'll sort
8:43
something out we'll learn our lessons
8:44
but they never learn their lessons um
8:46
it's very sad it happens time and time
8:49
again but that's politics for you and uh
8:52
you know you you still from Peter to pay
8:55
Paul and yet you still don't get
8:56
anywhere so we'll have to wait and see
8:59
but if if you look at World debt it is
9:00
absolutely astronomical the amount of
9:03
debt that is is out there each country
9:06
you know Global debt is at at record
9:08
levels and they said it was always going
9:10
to be that post pandemic so as if we
9:12
were meant to just swallow it and not
9:13
worry about it but well yeah they did
9:15
they said you it won't only you be
9:17
paying for it it will be your children
9:18
your grandchildren and your great
9:20
grandchildren so they're not talking
9:22
about this debt going away in 2050
9:26
they're talking sort of 75 100 years
9:28
before they get anywhere near to do
9:31
anything with this debt and by that time
9:33
God knows where the world will be but I
9:35
won't be here I don't know no we won't
9:38
be will we um okay let's have a look at
9:40
some people who have been doing okay
9:42
let's start with revolute because we've
9:43
spoken about them before in this slot uh
9:46
just made a record profit last year uh
9:50
438 million pre-tax profit last year up
9:54
from a loss of 25 million in 2022
9:57
Revenue almost doubling to 1.8 billion
9:59
that's not bad is it given that they
10:01
don't hold the British Banking license
10:03
either at the moment no but they've got
10:04
a license within the EU haven't they so
10:07
that's not a problem it's still
10:08
guaranteed if you put money in there I
10:10
think people are just fed up with
10:11
traditional banking you know you've got
10:13
these banking you've got wise you've got
10:15
revolute you've got n26 I think it is
10:18
and various other ones where you it's a
10:21
lot cheaper you can do multicurrency
10:23
stuff um it's a lot it's so flexible
10:27
it's online it's easy to understand so
10:30
people are just going for it I can
10:32
understand why Banks make things too
10:34
difficult the charges that you get from
10:36
Banks you know for what you know you're
10:37
paying for everything you can't do
10:39
anything anymore at the bank you got to
10:40
do it all all online no and you know
10:43
like the other day I got my wages in and
10:45
and one of my colleagues did and the
10:47
bank deducted you know 1520 in charges
10:50
for processing our wages it was like
10:53
what the hell is going on you know don't
10:55
you charge enough um it it is just get
10:58
they get their G we know that we know
11:00
banks are um but you're talking about
11:02
people look at Amazon B Bezos whatever
11:05
is he sold over4 billion pound worth of
11:07
shares yeah um recently when the stock
11:10
hit is alltime High um maybe it could
11:13
pass some of that my way I wouldn't mind
11:15
you know a couple of hundred million I
11:17
wouldn't object not doing too badly
11:19
isn't he wasn't it 30 years I think or
11:22
since he founded the company in his
11:23
garage uh he had he had a good idea and
11:26
it worked didn't it wow yeah it did you
11:29
know no one else had done it good on him
11:31
but you know that's a lot to sell at the
11:34
peak of the market I think he's second
11:36
second most going spending spre he's
11:38
second most richest in the world isn't
11:40
he I think musk's back on top at the
11:41
moment but they they keep places rich
11:43
places it's like Dominos really isn't it
11:46
um so yeah so that's that and also while
11:49
we're on air there's been which will
11:51
affect people who've done Investments
11:52
actually there's been some breaking news
11:54
um utmost which is a uh company
12:00
that has Financial products um in late
12:05
2021 they bought a company called
12:08
quilter um which was a financial company
12:11
which people did Investments so you had
12:12
an investment you put it in one of their
12:14
products and they have products that are
12:16
Spanish tax compliant French tax
12:18
compliant whatever so up bought them up
12:20
most have announced today that they are
12:22
now acquiring Lombard International
12:25
Luxembourg um which is another obviously
12:29
company that offers these products um
12:32
and it's one that one of the financial
12:35
advisors in Spain uh uses all the time
12:38
they only use that product I'm not sure
12:41
what impact that's going to have on that
12:43
company because up until now they've
12:46
really had exclusive rights to use
12:47
Lombard and it's been very difficult for
12:49
anyone else to use them because there
12:51
was a part ownership deal I don't really
12:53
understand it but now quilt upmost have
12:55
announced that they're going to acquire
12:57
Lombard International in Luxembourg
12:59
we'll have to wait and see what that
13:01
happens there because when they built
13:03
bought quilter they kept some of
13:05
Quilter's products and they got rid of
13:08
others and in some cases they just
13:11
merged the products together and they
13:13
changed the pricing structures and
13:14
everything else so that is quite a big
13:16
deal within the financial advice world
13:18
at the moment especially internationally
13:20
I'm sure I've seen that name on some of
13:22
the paperwork I've got I'm going to have
13:23
to go and check no not with me you
13:26
haven't anymore you know you know you've
13:27
got quilter um upmost yeah you've got
13:30
upmost cuz they daugh that's right
13:32
thought so that is a that is a big
13:34
announcement um it seems like utmost is
13:36
is um set on becoming the key player in
13:40
the market if not the only player in the
13:42
market which that's not always a good
13:44
thing it's not a good thing because it's
13:46
a monopoly it means there's no one to
13:48
compete on
13:49
charges um and it you know we have to
13:53
use the products that are out there that
13:54
are approved by each individual country
13:57
that give people tax advantages and
13:59
ifits in those countries but I think it
14:01
isn't good when there is one provider
14:03
and the way this is going it looks like
14:05
utmost is going to be that person and we
14:07
have seen it with uh when they bought
14:09
quilter you know charges did increase um
14:13
we had problems with service levels
14:15
because OB we with the merger and this
14:16
is another big merger so we'll have to
14:18
wait and see when it goes through it
14:20
does take a tie a a while they've just
14:22
announced it today that they are
14:24
acquiring it uh they've put out the
14:26
press
14:27
releases um so they they've announced
14:30
their acquisition and they expect it to
14:33
be completed by the end of 2024 so that
14:36
actually isn't that far away no it isn't
14:38
is less than six months and it's it's
14:40
quite a big merger you know um it it's
14:44
it's a company that's been out there for
14:46
a very very long time um so they're
14:50
saying uh obviously Quil most are trying
14:52
to sell it as a really good thing
14:54
they're saying it will strengthen its
14:56
position and enhance its ability to
14:59
serve clients long-term needs it will
15:00
without any competition won't it yeah
15:03
yeah so we'll have to wait and see that
15:04
but I thought I'd announce it because
15:05
it's just come up literally and so
15:08
anyone out there knows you know if
15:09
you've got anything with Lombard
15:11
International that will be changing to
15:13
utmost uh the only good thing I I can
15:15
say is it will open their products up if
15:17
they keep them to the rest of the market
15:19
and at the moment most of utmost
15:21
products are out of is of man or if
15:23
you're in Europe Dublin so it will now
15:25
give them a good base in Luxembourg as
15:27
well and as you know both Dublin and
15:29
Luxenberg are very very financially
15:31
sound very heavily regulated especially
15:33
for financial products so it mean people
15:36
can have a choice between the two
15:37
centers and that would be very very good
15:39
something that's been up and down and
15:41
something actually that David in Italy
15:43
messaged about uh ahead of us talking
15:46
today was Nvidia which is now the
15:48
biggest company in in the world and the
15:51
fact that uh everybody is kind looking
15:53
looking at them thinking wow they're
15:55
only on the way up and then all of a
15:56
sudden their shares dropped by around 6
15:58
% but they seem to be going up and down
16:01
that was following a selloff by uh the
16:04
CEO of some shares wasn't it um but
16:07
they're back up again today along with
16:09
Tesla and they both seem to be a little
16:11
bit volatile but they don't seem to drop
16:13
too far do they no they are volatile and
16:16
you know invest as I say when you're
16:18
investing just make sure you've got
16:21
diversification don't put all your eggs
16:22
in one basket like no one should invest
16:24
wholly in Tesla holy in this company
16:27
always make sure that if you take
16:30
highrisk things like these you then
16:33
counter that with something that's less
16:35
risky so when things maybe don't go so
16:38
right for these companies you've got
16:39
something to fall back on and that I
16:42
think that is the key to anyone
16:43
investing unless you've got huge amounts
16:45
of money and you don't mind the
16:47
volatility it doesn't affect anything
16:49
you know if you've got multi-millions it
16:51
doesn't affect you really if the price
16:52
goes down or up uh because mostly it's
16:55
money that you don't need that you've
16:57
invested um in these companies because
16:59
the money you do need You' have invested
17:01
in something a little bit more secure
17:03
that wasn't so volatile and that's the
17:05
same for normal people you have to think
17:07
of that you know if you do have an odd
17:09
5,000 or 10,000 it's the same with
17:12
Bitcoin you know you put your money
17:14
there but expect it could be very very
17:16
volatile with us talking about the world
17:20
of finance and business this afternoon
17:22
is Christina Brady from Black Tower
17:24
financial management Christina uh
17:27
perhaps we could um start the final
17:30
section by uh telling David in Italy why
17:34
it is still worthwhile investing some
17:37
money uh in the stock markets he's not
17:41
convinced that it's a a great idea down
17:44
the years he's seen a number of things
17:46
happen not just Black Monday but other
17:47
blips the uh CEO of Nvidia selling off
17:51
shares that we were talking about
17:52
earlier and feels that it's maybe not
17:55
for him oh there's always those that
17:57
feel that way and if they do don't
17:58
invest in the stock market if you're not
18:00
convinced but you know I've got numerous
18:02
clients who have been with me 10 15 20
18:05
years and have put in money taken maybe
18:08
half that money out as cash and still
18:10
have more money than they put in and I
18:13
can't see any other way of doing that
18:14
you could do it in property I suppose
18:16
but then you have an asset that is not
18:19
liquid at least with most Investments if
18:21
you invest wisely and you invest in the
18:24
correct companies you have liquid assets
18:26
and if you don't go for anything too
18:28
funk the sort of things he's talking
18:30
about um I think it is I think you need
18:33
obviously to uh diversify um most people
18:37
have some property have Investments and
18:40
have other things um what I found was
18:43
after 2007 2008 crash I had lots and
18:46
lots of people coming to see me in my
18:48
office who were property Rich so they
18:51
were asset rich but cash poor some of
18:53
them didn't have two pennies to rub
18:55
together cuz everything was in property
18:57
the property crash meant they couldn't
18:59
liquidate their assets and they were
19:00
completely stuffed um so I think you
19:03
have to be careful but no if you don't
19:05
want to invest in going to investing
19:07
don't stick with whatever you feel is
19:09
good for you um I would never ever uh
19:12
try to force someone to invest but I
19:14
think it is very very good I think there
19:16
are still some good opportunities out
19:18
there and there are different ways that
19:19
you can do it you don't have to go all
19:20
out and you know like you said at least
19:22
diversify spread it across different you
19:25
cautious risk you've got Finance risk
19:26
you've got growth or what he's talking
19:28
about is speculative and we have very
19:31
very few clients who are speculative um
19:34
most of them are of a balanced nature
19:37
and a balanced portfolio it you know
19:40
usually gives you good returns obviously
19:41
2022 was a dire year for everyone when
19:44
the covid hit home really really badly
19:46
but since late 2023 the markets have
19:49
been going up I think the S&P the
19:51
American markets have got more upside to
19:54
them if you look at most US presidential
19:57
elections after the most the indices go
20:00
up about 5 or 10% so you could position
20:03
yourself there to take benefit of that
20:06
also you know we've had I have lots of
20:08
clients and I recommend to them
20:09
infrastructure funds which are actually
20:11
non-correlated to the stock market
20:13
however These funds have taken a real
20:15
batter in once interest rates went up
20:17
because most infrastructure funds rely
20:19
on taking out loans uh to get these
20:22
projects off the ground and obviously
20:23
with interest rates Rising they haven't
20:25
been taking out the loans because the
20:26
repayments have been too high uh now
20:29
rates have stabilized and gone down
20:31
infrastructure funds are growing again
20:34
and the US is legislating to spend
20:37
approximately 2.2 trillion over the
20:39
coming decades upgrading the country's
20:42
infrastructure so this is things like
20:44
they've got crumbling roads we know that
20:46
Bridges water systems and it's not only
20:49
traditional companies that benefit in
20:51
you've got innovators as well there's
20:53
one company in America which I'm trying
20:55
to think of what it's called I think
20:56
it's called Advanced Drainage Systems
20:58
which makes storm drains and it makes
21:01
them faster and cheaper than anyone else
21:03
using less um environmentally not
21:07
friendly Pro so it Mak environmentally
21:10
friendly way it's Greener so you know
21:14
the American passes that that's going to
21:16
be a huge impact and if you look across
21:18
Europe across the UK infrastructure is a
21:21
very very big thing as I said it has
21:23
suffered over the last couple of years
21:25
with high interest rates but we are
21:26
noticing the turnaround now and I did
21:29
tell people to hold on to the
21:30
infrastructure even though it was
21:32
negative sometimes down 14 15 16%
21:36
because the upside will way outweigh
21:38
that when it does take off um so that is
21:40
some good news to look forward to you
21:43
know with regards to invest in there are
21:45
certain markets as well that are still
21:47
quite volatile China I'm not sure if I
21:49
would recommend anyone investing in
21:51
China India's doing doing very very well
21:54
at the moment but again that is highly
21:56
volatile I remember a few years ago
21:57
someone wanted to investing well it was
21:59
more than a few years ago pre-co in
22:01
India and lost quite a bit of money um
22:04
but as I said investing should be
22:07
tailored to your attitude to risk now if
22:10
someone come to me and said they want
22:11
you to put all their money in Tesla I
22:13
would say no if they insisted they would
22:16
have to sign a disclaimer saying we've
22:17
taken no advice from you we've gone out
22:20
on our own if we lose money we
22:22
understand we could lose 50 100% you
22:24
know the same with other companies out
22:26
there there are certain companies that
22:28
are very very volatile some of them
22:31
highly liquid so if you needed to get
22:33
your money out you couldn't and
22:34
generally as a general rule I would say
22:37
in 99% of cases we would not invest in
22:39
those companies not straightforward they
22:42
might be a small percentage of a
22:43
portfolio say 1% but then the rest of it
22:47
is much more liquid uh highly regulated
22:50
and therefore if people need to get
22:51
their money out they can see I've been
22:53
looking at Rolls-Royce uh Black Rose
22:56
drop tail but it it's a a little bit out
22:58
of my budget at 30 million I've told you
23:01
you're not getting any money out of your
23:02
pension you're not old enough yet so
23:04
just carry on working until I can tell
23:06
you can you can stop working okay
23:08
fabulous Christina how do people get in
23:10
touch right if they want to get in touch
23:13
they can email info@ blacktower fm.com
23:16
or they can email CB little C little B
23:20
for costablanca at blacktower fm.com you
23:23
can always call the office which is 9655
23:27
a212
23:28
and just to remind you we are not just
23:30
in Spain we're across Europe we're in UK
23:33
we're in the US so if you have any
23:35
queries at all anything if you come
23:37
through we'll par you to the P person
23:39
for you we've got offices across Spain
23:41
Barcelona meria costablanca cost Soul
23:45
Madrid Etc so you know we will have
23:47
someone to help you across France
23:49
everywhere or you can also go on to the
23:52
bay radio website you can click on our
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logo and that should take you through to
23:56
the Blacktail website which is Blacktail
23:58
fm.com and then you can click on
24:01
locations it will give you our details
24:03
or you can fill in one of the contact
24:05
forms uh that comes through to us and
24:07
someone usually gets in touch with you
24:08
within 24 hours to find out exactly what
24:11
you need and put you in touch with the
24:12
right person or you can email Studio Bay
24:15
radio.fm and they will pass any
24:17
inquiries on to me or you can WhatsApp
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Bay radio I have I don't know their
24:21
number 684
24:24
4584 and they will pass those on as well
24:27
so if you have any questions regarding
24:29
pensions Investments living in Spain
24:31
living in France you know what do you
24:33
need to do if you're moving over here
24:35
from the UK or even the US uh we can
24:37
help you and we can make sure that you
24:40
are as tax compliant in the country
24:42
you're moving to and you don't get any
24:44
nasty shocks or surprises listening and
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exceeding expectations for over 31 years
24:50
Black Tower financial management the
24:52
team you want by your side visit
24:54
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