Zen Wealth opened up a Spanish operation (based in the Marbella area) in 2014, to offer a professional, fee based advice service to UK Expats living in Spain.

We are able to offer the service through our UK business, as we are authorised (via an IMD** passport) to offer ‘cross-border’ services. This means (MOST importantly) that clients will be offered the full protection of the Financial Conduct Authority (FCA), so they will be treated as though they were receiving advice in the UK – from a regulatory perspective. I believe that this will be extremely attractive (and advantageous) as currently there is a lot of mistrust and suspicion of Advisers in Spain.

*The Insurance Mediation Directive (IMD) passport allows you to give advice on insurance-based products to clients based in another EEA state.

There are also tax implications that UK Expats living in Spain need to consider when planning their finances. This article from Investors Chronicle gives some idea of the issues.


Zen Wealth LLP is an appointed representative of Chartered Financial Management (UK) Ltd which is authorised and regulated by the Financial Conduct Authority (FCA) No. 457900.  The Financial Ombudsman Service (FOS) is available to sort out individual complaints that financial services businesses and their clients are unable to resolve. To contact FOS please visit us at www.financial-ombudsman.org.uk 


You can check the Financial Services Register here.


A copy of our privacy statement can be read here.

Contact Us

124 Sloane Street,



Email: info@zen-wealth.com
Tel:  020 3319 8005

Click Here to Contact Us

Registered in the UK, our registered address is Alexander House, James Street West, Bath, BA1 2BT, Number OC376383

© Created by Zen Wealth LLP All Rights Reserved