Spectrum IFA Group Avis 

I started dealing with Craig Welsh of The Spectrum IFA Group in October 2024; to date he has done everything he has said he would to in a professional and timely manner. While it is too early to express any worthwhile comments on the performance of my investments his recommendations do seem to be well thought through. My gains were looking very good until our friend across the water spooked the markets. Hopefully this is short lived.

We had a fantastic meeting with Deborah who really helped us through our next steps in financial planning and N H R . She was so knowledgeable and explained everything clearly . We came out of the meeting with a clear understanding of our options and actions . Great company .

Gareth was very responsive, professional and knowledgeable in assisting me with many items pertaining to a transfer from North America to Europe! He was the only person I spoke to that gave me clear, sound advice specific to my personal situation. Not only am I very grateful, I would not hesitate to recommend Gareth or utilize his services again in the near future.

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 asked Katey Murray for some help when I became lost in the French and UK worlds of finance and taxation. She gave me very clear and useful information in a kind and patient manner, and I wouldn't hesitate to recommend her. Thank you Katey!

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.

We have regular meetings with Andrea Glover at Spectrum, normally at our house, and she has always given good advice, especially about pensions.

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.

I truely trust David Hattersley. Very profesional and knows his stuff. He has helped me out immensely. Also I must add he is very nice, friendly and patient by going the extra mile to explain every detail.

Katey Murray is a refreshingly complete voice in a wilderness of poor, incomplete or muddled responses from partisan advisors in both France and UK. My issue was the net tax liability in both France and UK in case of the sale of a second home in UK. Katey cut through it all like a knife through butter and presented a clear view of the way forward. She then told me that her advice was an investment in future commissions. A rare and far seeing lady advisor.

Katey Murray has been an invaluable source of information and reassurance as we transitioned our residency from the UK to France. To say that the process is complex would be an understatement and Katey has helped us with concrete, practical advice throughout. She is a refreshing resource in a world where there are generally 5 different answers to every question!

I started working with Andrea Glover early 2023, Andrea came to my house and we had a thorough overview of all my investments. I'm based in SW France. From the beginning Andrea was patient, extremely clear and has given me great advice. Andrea always responds quickly and with positive advice. I would not hesitate to recommend her, and her talented team!

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.

I got to meet Susan Worthington in 2003 when I accompanied my mother to an investment meeting . My mum was a very sharp businesswoman so I knew her choice of investing must be good . In 2015 I was left an inheritance which I placed in Susan’s hands to invest for me . She is one of the most transparent, understanding and caring persons I know . I have been totally happy with both the results of the investment and with the continuous up dates they send out . Highly recommended.

Your man had been helpful to me on a couple of financial issues over the last year or so and I therefore went to him for advice on investment matters. He was most attentive and helpful throughout that process so it has been a source of some disappointment to me that I found myself unable to proceed with the project.