Is Your Estate Protected From HMRC’s 40% Tax Grab?
British expats in Spain face two tax systems. Check your exposure in 90 seconds.
HMRC’s 40% inheritance tax follows you abroad. Find out your current liability across the UK and Spain, and see exactly what your family keeps.
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How the Estate Review Works
When your life and assets span international borders, generic financial advice is insufficient.
Conflicting tax regimes can rapidly erode wealth without meticulous, proactive planning.
PCC Wealth specialises in creating robust financial structures that are fully compliant, yet highly tax-efficient across multiple jurisdictions.
1
Take the 90-Second Quiz
Answer a few straightforward questions about your timeline, residency, and wishes. No sensitive account numbers required.
2
Get Your Instant Report
See your immediate visual exposure across HMRC and Spanish tax rules, and receive a detailed two-page PDF directly to your inbox.
3
Free Expert Consultation
Have a brief, no-obligation introductory chat with our cross-border specialist to discuss allowances and practical next steps.
Calculate your estate's position
Answer the following questions to generate your immediate exposure report.
Meet The Adviser
Fadi Syoufi
Fadi brings a practical, no-nonsense approach to wealth management, shaped by his background running his own business in the tech sector.
He understands the reality of making important decisions with your own money on the line. He is genuinely curious about his clients’ stories and the specific situations they are navigating.
Fadi prioritises transparent, jargon-free conversations because clear information makes financial decisions easier.
Finding a solution that fits your life and makes a tangible difference is his primary focus.
Fluent in English and Arabic, and active across European networks, Fadi supports clients living and planning across borders.
Outside of the office, you will usually find him attending business events or keeping active with sport.
Why Private Client Consultancy
Regulated
Registered with the Dirección General de Seguros (No J-3930), operating across the EU under the freedom of services provision. Verify us yourself on the DGSFP public register at dgsfp.mineco.gob.es.
Cross-border specialists
Utilising offshore bonds, trusts, and corporate structures compliantly to defer and reduce taxation.
Independent advice
Your review looks at your situation, not a product list. Recommendations are made in your interest.
Free, no obligation
The estate planning review costs nothing and you decide if and how to act on it.
Frequently Asked Questions
Does my UK will cover my Spanish property?
Not automatically.
Spain has its own succession rules, and a UK will that ignores them can leave your Spanish property tied up in a slow, expensive cross-border process, or distributed in ways you didn’t intend.
The EU Succession Regulation (Brussels IV) does let your will elect the law of your nationality to govern your Spanish estate, but only if the election is made correctly.
The review checks how your current will treats assets in each country and whether that election is in place.
How does the 40% UK inheritance tax affect expats?
Moving to Spain does not automatically take your estate out of HMRC’s reach. Under the rules that took effect in April 2025, your exposure depends on your long-term UK residence history, and many British expats still face 40% tax on their worldwide estate above the £325,000 nil-rate band, with Spanish succession tax potentially on top.
The review estimates where you stand and which allowances you may be missing.
Is the estate planning review really free?
Yes. The review is free and comes with no obligation. If you later choose to act on any recommendation, costs are explained clearly before you commit to anything.
Can everything be done remotely and in English?
Yes. The introductory call and your review are in English and can happen by phone or video call, or in person in Mallorca.
What happens after I submit my details?
A regulated adviser at Private Client Consultancy will email you within 1 working day to arrange a short introductory call. Once they understand your situation, you receive your free estate planning review in a follow-up meeting.
Is Private Client Consultancy regulated?
Yes. Private Client Consultancy is a trading name of Efficient Frontiers SL, registered with the Dirección General de Seguros y Fondos de Pensiones under No J-3930 and operating across the EU under the freedom of services provision. You can verify registration J-3930 yourself on the DGSFP’s public register at dgsfp.mineco.gob.es.
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All content © Private Client Consultancy. All rights reserved. 2026
Private Client Consultancy is a trading name of Efficient Frontiers SL, whose registered address is Urb Jazmin De Miraflores, C. Jazmín, 2, Mijas Costa 29649, Malaga, Spain, with CIF B42839589, authorised by the Direccion General 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 | Hungary | 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 GuildAM Ltd. Representatives of the PCC Group, act as Investment Committee Members with GuildAM. In the role of the Investment Committee member , they are involved in a portfolio management function. Guild AM is authorised and regulated by the Maltese Financial Services Authority (¨MFSA¨) with authorisation number GUIL24464. GuildAM is authorised as an Investment management company and also provides additional services including discretionary portfolio management and investment advisory services (commonly referred to as ¨MIFID services¨). GuildAM is authorised to provide services across the EU countries via the EU passport, as well as to clients resident in other non-EU jurisdictions.
Private Client Consultancy (a trading name of Efficient Frontiers SL) through its advisors, offers investment and financial advisory services in the United States through Beacon Global Advisor Network, LLC (BGAN), a registered investment adviser with the Securities and Exchange Commission (SEC), SEC number: 801-110724. CRD number is 288833. Registration with the SEC does not imply a certain level of skill or education and does not imply the SEC has approved or passed upon the advice or services offered through BGAN. Private Client Consultancy is a marketing name only and not a regulated entity in the United States.
Private Client Consultancy (a trading name of Efficient Frontiers SL) through its advisors, offers investment and financial advisory services in Switzerland through Asset Street SA, incorporated under the laws of Switzerland in 2011 in the Canton of Geneva under the number CHE-161.878.570, whose registered office is: Rue du Rhône 67, 1207 Genève, Switzerland. Asset Street SA is affiliated to SO-FIT and licenced by FINMA.
Asset Street Limited is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority or any US state securities regulatory authority. None of the products described in this website have been registered under the U.S. Securities Act of 1933, and none is not offered nor shall be sold in the United States or to U.S. citizens and residents.
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