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Christopher Lean is an Associate of the Personal Finance Society and an ex CII examiner. He also provides technical support to a pensions victims support group


  1. Lillie
    April 3, 2015 @ 3:36 pm

    What a useful post! Very thorough and well-researched.


    • Elle Draper
      April 3, 2015 @ 3:45 pm

      Thanks Lillie x


  2. Mary @ Green Global Travel
    April 4, 2015 @ 5:05 pm

    Interesting post. Thanks for sharing.


  3. Pete Cole
    March 14, 2016 @ 5:34 am

    Thank you so much Christopher and Alan. I’m an expat in the USA and looking to avoid a double taxation on my pension. I was cold contacted by deVere. It’s sounded good. QROPS and an off shore account. I had to research this lot and found my way to your site. I think it is true to say it saved me a lot of possible trouble. Of course my quest to avoid double tax goes on. If you have any friendly pointers in who to discuss the problem with I would appreciate it. Thanks again.



  4. Nigel Evans
    August 29, 2016 @ 4:28 pm

    Fascinating post. Thank you very much. I’ve just been approached by deVere in France. From what I’ve read I wonder whether I ought just to cancel the meeting …


  5. Christopher Lean
    October 1, 2016 @ 7:55 am

    I would like to add that since this was published, I moved from being freelance to working with a firm of Chartered Financial Planners( this year ) and so the “no vested interest” comment was valid at the time- in case someone now looks at my profile/website etc.

    However, the issues have not changed, investment advice in Spain is covered by the CNMV and not the DGS ( which allows the sale of insurance bonds but offers no regulatory protection for investments or investment advice ).

    Free financial advice is commission based and so people need to ask how much commission is being taken out of their investments. With the new UK pension freedoms and the DTA with Spain, there is no real justification for the majority to move to an expensive insurance wrapped QROPS when a low-cost, regulated and fee based SIPP on a platform with clean funds and no commission. will provide a far better retirement solution.


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