English Speaking Financial Adviser in Tenerife - Supporting Expats Across the Canary Islands
2025-09-02 22:34
English Speaking Financial Adviser in Tenerife - Supporting Expats Across the Canary Islands
Why Financial Advice Matters in Tenerife
Tenerife, the largest of the Canary Islands, is a dream destination for many expats from the UK, Ireland, and across Europe. With its year-round sunshine, relaxed lifestyle, and excellent transport links, it has become one of the most popular places to retire or relocate in Spain. But moving abroad brings with it a unique set of financial challenges managing pensions, tax planning, investments, and estate arrangements can feel overwhelming without expert guidance.
This is where Callaghan Financial Services can help. As an English speaking financial adviser in Tenerife, we provide tailored advice for expats who want peace of mind that their money is being looked after. From Santa Cruz de Tenerife to Costa Adeje, Puerto de la Cruz, Los Cristianos, and Playa de las Américas, our services cover the whole island and beyond.
Why Choose an English Speaking Financial Adviser in Tenerife?
Many expats discover that navigating Spanish financial rules can be confusing, especially when documents, banks, and authorities operate in Spanish. Even those with conversational Spanish can struggle when it comes to legal or financial jargon. By working with an English-speaking adviser, you ensure:
Clear Communication - no misunderstandings about contracts, policies, or investments.
UK Pension Expertise - including QROPS (Qualifying Recognised Overseas Pension Schemes), SIPPs, and drawdown options.
Cross Border Tax Planning - guidance on how living in Spain affects your UK tax obligations.
Local Knowledge - understanding Canary Islands residency rules, healthcare entitlements, and property investment opportunities.
Tailored Solutions - advice that matches your lifestyle and long term goals, not a generic package.
Financial Services for Expats in Tenerife
At Callaghan Financial Services, we offer a broad range of financial planning solutions designed to suit those living in Tenerife and surrounding areas.
1. Pension Transfers and Retirement Planning
If you’ve worked in the UK, your pension is often one of your biggest financial assets. We help expats understand their options:
QROPS transfers for more flexibility abroad.
SIPPs for those wanting investment control.
Planning for tax-efficient withdrawals in Spain.
2. Tax Planning and Residency Guidance
Living in Tenerife changes how you’re taxed. Spain has rules on worldwide income, wealth tax, and inheritance laws that differ greatly from the UK. We help you:
Avoid double taxation.
Structure income efficiently.
Understand Spanish residency rules.
3. Investment Advice
With inflation and market uncertainty, it’s important to make your money work for you. We offer:
Diversified investment portfolios.
Regular reviews to suit market conditions.
Solutions designed for retirees and long-term expats.
4. Estate and Inheritance Planning
Spanish succession laws can be complicated, especially for foreign residents. We guide you on:
Making a Spanish will alongside your UK will.
Ensuring your family and loved ones are protected.
Planning to minimise inheritance tax.
Covering All Areas of Tenerife
We are proud to assist expats in all corners of Tenerife. Popular areas where our clients live include:
Santa Cruz de Tenerife - the island’s bustling capital, popular with working expats and long-term residents.
Puerto de la Cruz - a favourite among retirees who want a slower pace of life in a charming coastal setting.
Costa Adeje - known for its modern resorts, golf courses, and high-end living.
Playa de las Américas - lively and popular among both working expats and retirees.
Los Cristianos - a hub for British and Irish expats, with a strong community spirit.
No matter where you live north or south of the island we can meet you in person or arrange consultations online.
Benefits of Financial Advice for Expats in Tenerife
Having a trusted financial adviser brings many benefits, including:
Confidence that your pension and savings are structured properly.
Security knowing you won’t be caught out by unexpected Spanish tax bills.
Growth with investments designed to keep pace with inflation.
Peace of Mind for you and your family, ensuring your estate is protected.
Whether you’re retiring in Tenerife, investing in property, or building a new life, financial advice ensures your money supports your future.
Specialist in Expat Finances - over many years of experience working with international clients.
Personal Service - we take time to understand your goals.
Independent Advice - recommendations based on your needs, not tied products.
Local and International Knowledge - combining expertise in Spanish rules with UK and global financial systems.
We don’t just provide financial advice we build lasting relationships with our clients.
Surrounding Areas Beyond Tenerife
While Tenerife is our focus, we also assist expats across the Canary Islands, including:
Gran Canaria - Las Palmas, Maspalomas, and Playa del Inglés.
Lanzarote - Puerto del Carmen, Playa Blanca, Costa Teguise.
Fuerteventura - Corralejo, Caleta de Fuste, Morro Jable.
Wherever you choose to live in the Canary Islands, we are here to guide you.
How to Get Started
Taking control of your financial future is simple. Contact Callaghan Financial Services for a no-obligation consultation. We can meet in Tenerife or arrange an online meeting at a time that suits you.
Conclusion - Financial Confidence in the Canary Islands
Living in Tenerife offers sun, sea, and a relaxed lifestyle but without the right financial planning, it can also bring uncertainty. By working with an English-speaking financial adviser in Tenerife, you can ensure your pensions, savings, and investments are structured in a way that benefits you and your family.
From Santa Cruz de Tenerife to Los Cristianos, Costa Adeje, and Puerto de la Cruz, Callaghan Financial Services provides trusted, personal advice for expats. Take the first step today and enjoy peace of mind knowing your future is in safe hands.
Disclaimer: This article is for general information only and does not constitute personal financial advice. Financial decisions should always be based on your individual circumstances. Please contact Callaghan Financial Services directly for advice tailored to your specific requirements.