Spectrum IFA Group Reviews 

We have sought the advice of Gareth Horsfall several times during our years in Italy. Not only is he a very nice guy and very personable, his expertise and the way in which he clearly delivers explanations which the non-tax-savvy can understand is second to none.
He most recently helped us navigate some tax matters and his advice has been invaluable.
We would recommend Gareth unreservedly.
Jane & Richard Smith

I have spoken to Gareth Horsfall a number of times over more than ten years. His knowledge of all the financial problems and pitfalls of moving to (and living in) Italy is second to none. His advice has always been sound, professional and very well explained. I have always valued his opinion which has invariably been beneficial. He can also recommend a number of trusted advisers to help navigate the tax system and other important matters to expats in Italy. I strongly recommend him to anyone considering any financial dealings in Italy.

I had an informal chat with Gareth and I felt he's very prepared, offered great insight on the UK expats typical tax traps and gave me more confidence in approaching tax returns in Italy. Definitely recommend!

We engaged Andrew Lawford to provide us with guidance as we considered our financial options, when moving from the UK to Italy. Andrew was great, knowledgable, easy to work with and super helpful.

Contented clients had warmly recommended Gareth to me, and when we got talking I could understand why. He is pleasant, a great communicator, and shares lots of smart solutions on how to navigate Italy's complex fiscal panorama. His counsel is highly reassuring for people who are new to Italy, and for long time residents who need the latest reliable advice on how to invest and manage their affairs. Highly recommend Gareth.

Barry Davys has been my trusted financial advisor since September 2022, and I truly value the expertise, care, and professionalism he brings to every interaction. From the start, Barry has taken a thorough and detail-oriented approach, helping ensure that I am financially prepared not just for retirement, but also for any unexpected life events.
We've had a few in-person meetings and continue to connect regularly over video, which has helped build a strong and supportive working relationship. I trust his guidance so much that I introduced him to my parents—and that trust proved invaluable when my father sadly passed in November 2024. Barry was an incredible support to both my mother and me during that difficult time, helping us navigate the complexities of the estate with compassion and clarity.
Barry is always professional, insightful, and genuinely committed to achieving the best outcomes for his clients. I feel very fortunate to have his guidance as I make long-term financial decisions, and I would not hesitate to recommend him to anyone seeking a thoughtful, knowledgeable, and reliable advisor.

Gareth is great.
I was recommended to contact him by a friend who was also a client and I wasn’t disappointed. If you need help sorting out the bureaucracy between Italy and the Uk he’s your man.

Five stars!

Dr John Salt

Gareth Horsfall was really helpful and spent time answering all of our questions in language that we could understand. He also was able to recommend other specialists to help us. I would not hesitate to work with him again, his knowledge and understanding was so helpful.

Gareth Horsfall was very knowledgeable and friendly, and we wouldn’t hesitate to recommend him for Italy or UK financial advice.

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My 5-STAR experience of working with Spectrum is 100% based on the expertise and quality of service provided to me by Audrey Flynn.

I cannot speak highly enough about her. She is smart, responsive and knowledgeable about all things UK Pensions, and overall financial planning.

I ask a lot of questions. Audrey was able to answer most of them, and when she didn't have an answer she researched and provided a follow-up in a timely manner.

Audrey is patient and thorough, which I appreciated. Especially as while I decided which direction to go in, there were several months long periods when I did not engage with her. Nevertheless, she never made me feel less important to her, and I never felt pressurized to engage at a pace faster than I was comfortable.

I trust Audrey's expertise, judgement and counsel implicitly and she receives my unreserved recommendation.

I first reached out to Barry Davys at Spectrum in 2012 to help manage my money, and over the years, he has proven to be a very good financial advisor. Barry is consistently detailed, thorough, and responsive. He takes the time to really listen and understand my individual needs and goals, and what sets him apart is his ability to offer guidance that truly reflects my personal circumstances. Throughout the years, I’ve faced some personal challenges, and Barry has always approached these with compassion and care. His professionalism, and genuine interest in my well-being have not gone unnoticed. I trust Barry completely and recommend him to anyone looking for a financial advisor who combines expertise with empathy.

Susan Worthington has been our Financial Adviser since January 2018.

She efficiently and smoothly handled the transfer of my UK private pension to a Malta managed QROPS pension shortly before Brexit.

Since then, she has provided sound, reliable and trustworthy financial advice covering financial implications of my will and potential inheritance tax issues.

Susan has from the very start been totally professional in her approach to our domestic situation as residents of the Balearic Islands.
She always explains complex financial structures in a clear and understandable way.

Her advice has always had our best interests as priority number one at all times.

The returns from her assessment of our desired level of risk from our investments have been excellent.

I would not hesitate to recommend Susan as a trustworthy and totally honest financial adviser.

Geoff Moore, retired pharmacist.

Since retiring and coming to Mallorca from France I handed my monies over to Sue Worthington and through all these momentous years I have not had cause to regret this decision. Sue puts herself out to personally care for her clients and help them through the difficult times. Using total discretion and integrity, I have always felt Sue puts her clients interests and needs to the fore, and does her best for them, and in the process of my own experience I have gained a valuable friend.

Susan is the best in the business. Her knowledge and experience is unquestionable, but more importantly, her integrity is immense and deeply integral to her work and the advice that she gives. Trust is vital in so many things, but especially in financial matters and planning for a secure future. I can wholeheartedly recommend Susan for any and all matters relating to financial planning. You will be, as I am, in safe hands.

Barcelona office (Barry Davys) did an excellent job in sorting out my UK pension, and has followed it up with regular contacts over many years to check that everything is going well and to help with any administrative questions. Excellent service, recommended.

We're from the UK moving to Italy and were put in touch with Gareth for specialist advice about UK/Italy taxation arrangements - he was fantastic - he listened to our situation, and went through all of our questions and explained our options. Highly recommend and we'll certainly be seeking his financial advice again for anything else in the future.

Gareth Horsfall listened carefully and attentively to my questions and answered them clearly and concisely.He knows his subject, is professional in manner but also friendly and lively, and helped me understand my fiscal situation here in Italy,despite the characteristic complexities of this country. I'd recommend him highly.

In my opinion Susan Worthington set up a very inadequate trust for my Grandfather. It has caused upset since his death. Upon his death the fees increased from £14715 to £83307. In my opinion His letter of wishes upon his death was different to the one we held and the copy he had went missing. The trust fund is now less than half in my opinion it was due to the poor set up. As a beneficiary I am not entitled to any accounts or information. Susan resigned in 2017 after I embarrassed her with her fee. Note this was one trust alone I’ve never seen the figures from trust 2. In my opinion I would urge anyone thinking of using her services to be very very careful. Look at her qualifications carefully. If she’s pushing a trust fund ensure you have a protector trustee and a set fee even upon death as your worldly goods will slowly diminish. It’s cost me immense heartache and loss.
WITHOUT PREJUDICE

Meeting with Gareth was phenominal! He patiently went through a myriad of situations that demystified an otherwise daunting process.I am from the USA and beleive me when I say there are many nuances to the entire tax/financial optimatization matrix. Will definitely trust my business in Spectrum's more than capable hands.

I started dealing with Craig Welsh of The Spectrum IFA Group in October 2024; to date he has done everything he has said he would to in a professional and timely manner. While it is too early to express any worthwhile comments on the performance of my investments his recommendations do seem to be well thought through. My gains were looking very good until our friend across the water spooked the markets. Hopefully this is short lived.