Financial Advice for UK Expats Living in Mallorca

By Samuel Mather-Holgate

Still have UK pensions, ISAs, or other investments? Just because you’ve moved to Mallorca doesn’t mean your financial planning should stop at the border.

At Mather & Murray Financial, we help UK expats living in Spain — especially here in beautiful Mallorca — stay on track with their financial goals.

Why UK Expats in Mallorca Still Need UK Financial Advice

Many expats assume that once they’ve settled into Spanish life, their financial affairs must be handled locally. But if you still hold:

• A UK pension (defined benefit or defined contribution)

• ISAs or UK-based investments

• UK property or business interests

• Or want to plan for UK inheritance tax…

…then it’s essential to speak to a UK-authorised and regulated financial adviser.

We’re here to help you make sense of your UK assets — from wherever you are in Mallorca.

Advice from the UK, Wherever You Are in Mallorca

Mather & Murray Financial is a fully independent financial advice firm, authorised and regulated by the Financial Conduct Authority (FCA) in the UK.

We help British expats living overseas with their UK-based pensions and investments.

We offer:

• Zoom or phone-based financial advice consultations

• Convenient scheduling around your time zone

• The option to meet face-to-face in Mallorca for general discussions

• Clear, compliant advice on your UK financial future

What We Can Help With

Here’s how we support British expats across Mallorca — from Port de Pollença to Palma:

✔️ UK Pension Advice

We help you understand:

• Whether to consolidate your pensions

• The pros and cons of defined benefit transfers

• Accessing your pension tax-efficiently from Spain

• Planning your retirement income sustainably

✔️ UK Investment Advice

• Reviewing and restructuring UK ISAs and portfolios

• Managing investment risk from abroad

• Inheritance tax planning using Business Property Relief

✔️ Estate and Succession Planning

• UK wills and trusts for UK assets

• Gifting and legacy strategies

• Working alongside Spanish legal/tax professionals when needed

Important: We only advise on UK-based assets. We do not provide advice on Spanish pensions, investments, or tax affairs.

Based in Mallorca, Regulated in the UK

Although we’re based here in Mallorca part of the time, all regulated financial advice is delivered from the UK under our FCA authorisation.

This gives you:

• Peace of mind that your advice is protected and compliant

• A familiar regulatory framework for UK pensions and investments

• The convenience of a local point of contact

Book Your Free Consultation

If you’re a UK expat living in Mallorca and want expert advice on your UK pensions, investments, or estate planning — we’d love to hear from you.

We offer:
✅ A free initial Zoom consultation
✅ Straight-talking, independent advice
✅ Full transparency on fees

Disclaimer

Mather & Murray Financial is authorised and regulated (FCA number 696226) by the Financial Conduct Authority in the United Kingdom. We advise only on UK assets from UK and do not provide advice on Spanish taxation, investments, or financial products.

Your investments can go down as well as up and you may get back less than you invested.