Who We Are
We are a fully regulated Independent Financial Advisory Company offering Independent advice to expatriates living in Spain.
We are based in the South of Spain on the Costa del Sol however, we provide our services throughout Andalucia.
Whether you have recently moved to or have been living in Spain for some time, we offer a range of financial services from pensions and investment advice to wealth management and tax mitigation.
For most of us, the world of finance can at times appear complex and not least a little confusing especially with literally many thousands of investment products and funds from which to choose.
There are numerous myths, news as well as “fake news” constantly surrounding impacting us so how can we be expected to know what to do or where to go to obtain clear independent financial advice?
This is where we come in; we don’t try to be a “Jack of all trades, master of none”.
We do not hold out to be tax experts or lawyers we specialise in the giving of investment advice and to know when to refer clients to the professionals who do specialise.
We pride ourselves on the personal touch and our aim is to build relationships with our clients that will truly stand the test of time.
What Do We Do
Personalized Wealth Management
Provide active investment advice specifically tailored to the individual client’s needs and objectives.
Wealth Growth Strategy
Endeavour to preserve and increase wealth over time by giving advice on asset allocation and portfolio construction across a range of asset classes.
Confidential Client Engagement
Conduct all business in a highly confidential and professional manner and yet alwaysin a personal and friendly way
Simplified Financial Solutions
We provide financial solutions for clients in a manner that is uncomplicated andeasily understood by all clients regardless of their knowledge of the investment markets.
Investments
Whether you are looking to invest over the short, medium, or long term with either a lump sum, or regular savings, we can find the right solution for you.
However, before you start thinking of investing it is important to remember that there is no such thing as “NO RISK”!
Why do we say that?
Putting money “under the mattress” carries risk – the possibility of theft!
Locking your capital away for several years with a “Capital Guarantee” – just means that the capital may be secure but it is exposed to the risk of inflation i.e. your capital may remain intact but it’s purchasing power is reduced each year by inflation.
The important thing is to understand what the risk really is, how much you are prepared to accept and then to mitigate as much of it as possible.
Our Solutions
To provide the right solution for you it is of paramount importance that we:
Risk Assessment Essentials for Firms
Fully understand your attitude to risk (this is vital but sadly sometimes overlooked by many firms).
Maximizing Tax Efficiency in Financial Planning
Seek the most tax efficient environment for your money; taking into consideration all aspects of tax including Savings, Inheritance Tax, Income and Capital Gains.
Personalized Investment Solutions: Your Goals, Your Strategy
Tailor the investment solution around your personal needs, aims and objectives.
The license under which we operate means that we are one of only a few firms authorised to advise on direct investments as well as those held through Life Assurance Bonds.
Where deemed right, we can utilise Spanish Compliant products that offer favourable tax treatment where individuals are looking to take income from investments.
We also work with Discretionary Fund Managers.
Tailoring Financial Solutions and Advice
We provide advice on asset allocation and portfolio construction for a full range of asset classes. However, we don’t offer “get rich quick” types of investments!
We keep in mind that every client’s needs are different, you may be wanting a low risk portfolio which just provides a better return than the interest your bank may offer or you may be more adventurous and happy to take on high risk, whatever it is we will tailor our recommendations to you.
We are also aware that attitude to risk typically changes over time hence we stay in regular contact with all of our clients.
Once the fundamentals have been established, we will make our written recommendations demonstrating why we believe that they meet both your needs of today and future goals.
It is important that you are happy and fully understand what
is recommended and how each product or fund works.
For clients who have significant assets we can offer a bespoke wealth management approach which can include actively managed strategies.
So whether you are looking for wealth preservation or wealth creation, we can help.
Regardless of which route you eventually take one thing that we do (yes this is a bit old fashioned) we actually monitor your investments on a daily/weekly/regular basis which we trust will give you greater “peace of mind”. We will keep in touch with you and not just “once a year”!
Kevin Eves
Partner
Kevin Eves
Partner
Kevin Eves
Partner
Hi, just a little background on myself. I am a Hampshire lad, born and bred, and I have spent to the whole of my working life within the world of finance. From school I joined Lloyds Bank where I was fortunate enough to receive in-depth training covering all areas of banking and service.
This was supplemented with external examinations where I gained my ACIB qualification and which drew from all areas relating to finance; banking, accountancy, investment and law. I am proud to say that when I became a manager I was one of the youngest ever appointed at that time by the bank.
The benefit of such extensive training enables me to have an understanding and views which are perhaps not as constrained as some may have and which lean more towards “service” rather than “sales” as is often exhibited today. I moved to Spain with my wife in late 2001 and in the following year I joined one of the largest firms at that time providing financial advice in both the Costa del Sol and Costa Blanca. I think that it is fair to say that since then, I have “earned my stripes” in Spain!
A committed Christian, my faith spills over into all that I do; it doesn’t however improve my golf, which I enjoy, or bring success to my beloved Pompey (Portsmouth Football Club), but it does keep me on the straight and narrow. I have always built my business on honesty and sound advice tailored to the individual client and always remembering that “people matter”. I am one of the “old fashioned” brigade who actually watches what is going on with funds used and the markets – I am not geared to sales which is why I have retained clients over the years!
Richard Zimmerman
Partner
Richard Zimmerman
Partner
My journey….
I was brought up in Devon and spent my youth and early working years involved in the family
businesses until they were all sold in the late 80s
At that point I went into Financial services and after an arduous training period was able to become a
Financial Consultant.
In the year 2000 I moved with my young family to Spain. Initially I had a restaurant on the Seafront.
It wasn’t long before I resumed my career in Financial services and worked with one of the largest companies on the coast.
In 2015 I joined forces with Kevin who I had known for many years. I am now in the fortunate position to offer the service our clients require.
Richard Zimmerman
Partner
Contact Us
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Important Information
Crystal Financial Solutions is an appointed representative of Private Clients Consultancy, a trading name of Efficient Frontiers SL, whose registered address is Calle Jardin Botanico, 23/24, La Cala de Mijas, Mijas Costa 29649, with CIF B42839589, authorised by the DireccionGeneral de Seguros y Fondos de Pensiones No J-3930, holding obligatory Professional Indemnity Insurance with AIG Europe for the regulated activity, and with sufficient financial capacity in accordance with the law. And is licensed to operate in Spain under the freedom of services provision. It is also licensed to operate in Austria | Belgium | Bulgaria | Croatia | Cyprus | Czech Rep | Denmark | Estonia | Finland | France | Germany | Greece |Ireland | Italy | Latvia | Lithuania | Luxembourg | Malta | Norway | Poland | Portugal | Romania | Slovakia | Slovenia | Sweden | and the Netherlands, under the freedom of services provision.
Private Client Consultancy (a trading name of Efficient Frontiers SL) acts as an Introducer to AQA Capital Ltd. Mr. Andrew Oliver, who forms part of the PCC Group, acts as Investment Committee Member with AQA Capital. In his role as Investment Committee member with AQA Capital, Mr. Oliver is involved in portfolio management function. AQA Capital is authorised and regulated by the Maltese Financial Services Authority (“MFSA”) with registration number C 70143. AQA is authorised as a UCITS and AIF management company and also provides additional services including discretionary portfolio management and investment advisory services (commonly referred to as “MIFID services”). AQA Capital is authorised to provide services across the EU countries via the EU passport, as well as to client’s resident in other non-EU jurisdictions.