Spectrum IFA Group - Italy Avis 19

I have spoken to Gareth Horsfall a number of times over more than ten years. His knowledge of all the financial problems and pitfalls of moving to (and living in) Italy is second to none. His advice has always been sound, professional and very well explained. I have always valued his opinion which has invariably been beneficial. He can also recommend a number of trusted advisers to help navigate the tax system and other important matters to expats in Italy. I strongly recommend him to anyone considering any financial dealings in Italy.

I had an informal chat with Gareth and I felt he's very prepared, offered great insight on the UK expats typical tax traps and gave me more confidence in approaching tax returns in Italy. Definitely recommend!

We engaged Andrew Lawford to provide us with guidance as we considered our financial options, when moving from the UK to Italy. Andrew was great, knowledgable, easy to work with and super helpful.

Contented clients had warmly recommended Gareth to me, and when we got talking I could understand why. He is pleasant, a great communicator, and shares lots of smart solutions on how to navigate Italy's complex fiscal panorama. His counsel is highly reassuring for people who are new to Italy, and for long time residents who need the latest reliable advice on how to invest and manage their affairs. Highly recommend Gareth.

Gareth is great.
I was recommended to contact him by a friend who was also a client and I wasn’t disappointed. If you need help sorting out the bureaucracy between Italy and the Uk he’s your man.

Five stars!

Dr John Salt

Gareth Horsfall was really helpful and spent time answering all of our questions in language that we could understand. He also was able to recommend other specialists to help us. I would not hesitate to work with him again, his knowledge and understanding was so helpful.

Gareth Horsfall was very knowledgeable and friendly, and we wouldn’t hesitate to recommend him for Italy or UK financial advice.

We're from the UK moving to Italy and were put in touch with Gareth for specialist advice about UK/Italy taxation arrangements - he was fantastic - he listened to our situation, and went through all of our questions and explained our options. Highly recommend and we'll certainly be seeking his financial advice again for anything else in the future.

Gareth Horsfall listened carefully and attentively to my questions and answered them clearly and concisely.He knows his subject, is professional in manner but also friendly and lively, and helped me understand my fiscal situation here in Italy,despite the characteristic complexities of this country. I'd recommend him highly.

Meeting with Gareth was phenominal! He patiently went through a myriad of situations that demystified an otherwise daunting process.I am from the USA and beleive me when I say there are many nuances to the entire tax/financial optimatization matrix. Will definitely trust my business in Spectrum's more than capable hands.

I had a couple of meetings with Gareth Horsfall, and although he didn’t take me on as a client in the end, I was thoroughly impressed by his expertise and guidance. He provided clear, practical advice on protecting my pensions at minimal cost, avoiding unnecessary complexity, and simplifying my investment approach. His depth of knowledge, combined with his friendly and approachable manner, made our conversations both insightful and enjoyable. Even without becoming a client, I walked away with valuable insights. Highly recommended!

I have been an IFA in the UK for 25 years and run a successful business there, a few years ago I moved to Italy and needed to take advice as I knew all the fundamentals but didn't understand the Italian system. Gareth Horsfall's advice was invaluable, not only in terms of my finances but also in terms of other factors in making a major transition. Gareth is a great guy, very knowledgeable and approachable and I would highly recommend him. If I need help, you certainly do!

We recently had a discovery call with Gareth. He was very generous with his time and knowledge and helped us to feel we are in safe hands. We are not yet in a position to use Gareth's services, but I have little doubt that we will when the time comes.

I am an Italian tax resident and in 2012 I was introduced to Gareth Horsfall of Spectrum IFA Group by a close friend. Our initial meeting was very positive. In 2013, following the sale of our UK house I contacted him again and he became our financial advisor. Following several meetings (in which I learnt a lot) and with his skilled and knowledgeable guidance we set up our portfolio.
He is fluent in Italian with a deep knowledge of the complex Italian tax system staying rigorously alert to the frequent, often confusing, changes. He then updates his clients through an e-zine. He also meets his clients regularly in person.
My funds have performed well in relation to my risk profile giving me a sense of having made the right choices. And a sense of security for the future.
Recently I needed to transfer a small UK pension fund which had matured. Gareth warned me that as I lived outside of the UK the process would be lengthy and would require a vast amount of paperwork (and patience). It was and it did. It was tortuous. But he efficiently and skilfully helped me through the process at each step informing me of what would be needed next. It was a successful outcome.
I strongly recommend Gareth to anyone who is seeking a skilled, alert and knowledgeable financial advisor. He is also very personable with a great sense of humour!

Gareth Horsfall (Italy) has looked after our investments for several years.
His excellent knowledge of cross border financial issues has enabled us to avail of various investment options and we have always found him to be very clear in explaining these options and consistently on hand to answer any questions we may have.
A very positive all round experience.

I talked to Gareth Horsfell about our tax/money situation in Italy and found his sound and very good advice, and human approach very refreshing. I am a lot clearer now in understanding finance in Italy thanks to Gareth

Andrew Lawford is assisting and supporting me on my private financial decisions. I appreciate the precision, punctuality and the extreme care with which he keeps me updated and proposes changes to adapt to the market. Andrew makes me feel safe.

Today I met Gareth via Skype to discuss private UK pensions and how best to take them, whilst living in Italy. He is very knowledgeable in this field and gave me some good and honest advice. It's reassuring to speak to someone who knows the UK and Italian systems when it comes to pensions and finance.

Moving country is no small matter, especially when it’s a permanent move. You absolutely need thorough and excellent advice because it is impossible to know or fully grasp all the complexities involved in issues of taxation and investments and how they interact. You may also need first-rate recommendations for legal advisors and accountants, etc.

We were fortunate to be put in touch with Andrew Lawford and Spectrum IFA Group by a long-standing and much respected London firm for Asset Management. They could not have recommended anyone better.

Andrew mixes a thorough knowledge of the financial worlds of Italy and the U.K. (indeed Europe as a whole) with genuine care and kindness. He got to know us and our needs and then he found the best solutions. But it was more than that. He looked to the long-term, he pointed out important considerations, he highlighted potential issues and he found ways to circumnavigate problems. And when all the basics were resolved and investments made, he continues to take real care, making sure we know exactly what is happening and what we need to do and what we should consider.

He understood the ‘family’ situations and made excellent recommendations for legal advice. He took on board bureaucratic challenges and similarly helped resolve problems that could otherwise have needlessly spiralled.

Ultimately, we owe a great deal to Andrew. He made our journey SO much more secure and SO much easier. He gave, and continues to give, us peace of mind, and he ensures that our financial considerations are perfectly managed.

We recommend Spectrum IFA Group without reservation. You will be in very safe and caring hands. It’s not that often that one comes across truly genuine people. But Andrew is exactly that, and we are very lucky indeed to benefit from his expert advice and real care.