Blacktower Financial Management Ltd

Blacktower Financial Management Ltd is an FCA-authorised UK wealth manager that publishes a dedicated "Expat Solutions" service for British expatriates. Their UK site describes pension consolidation, QROPS/SIPP review and cross‑border tax and investment advice aimed at clients moving or living overseas, and offers a complimentary 15‑minute discovery call to start the process. ([blacktowerfm.co.uk](https://www.blacktowerfm.co.uk/about-us/expat-solutions/))

For someone moving to Spain they say they advise on restructuring and drawing UK pensions, assessing QROPS/SIPP transfers, cross‑border tax strategy and building euro‑denominated retirement income and investment portfolios. The firm publishes its UK registered office and company number, and states it is authorised by the Financial Conduct Authority (FRN 188611). ([blacktowerfm.co.uk](https://www.blacktowerfm.co.uk/about-us/expat-solutions/))

1. Book a complimentary 15‑minute discovery call to outline your priorities and move plans.
2. Provide details and documentation so an adviser can carry out a full suitability and fact‑find assessment.
3. The adviser prepares recommendations tailored to your residency, tax position and retirement objectives (pension consolidation/QROPS/SIPP options, portfolio structure, tax implications).
4. Implement agreed changes (transfers, consolidation, investment adjustments) with ongoing coordination with UK and local specialists as needed.
5. Regular reviews and rebalancing to keep the plan aligned with your circumstances while living in Spain.