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Telegraph
29-07-2025
- Telegraph
‘I used to feel defined by my salary – moving to France changed that'
In 2001, Andy Turner and his wife Jenny decided to buy a campervan and go travelling around Europe. 'It felt like an itch we needed to scratch. We did 24,000 kilometres and about 20 countries – through the Alps, down to southern Spain, and back up through the Pyrenees.' But it was when they visited a friend in France who was renovating an old property there that the idea of staying on the Continent took hold. 'Little by little, we came to love France. And by the end of the trip we thought, why don't we sell the campervan and use the money to buy somewhere?' says Turner. The six-month sabbatical from work turned into a new life for the couple. They bought a place near Beziers in the South West, in a small village of about 2,500 people, with schools and a hospital nearby and the coast a 40-minute drive away. Andy would split his time between France and their home in Wimbledon, London, for work as a marketing consultant, while Jenny, who had just found out she was pregnant, would stop working for a few years. Now, 20 years later, Andy, 62, has retired to the house in France and spends all of his time there, while Jenny is commuting back to London part-time to her job in financial services. Their children Camille, 20, and Etienne, 17, are both in education. 'I've always had a sense of adventure, but never envisaged myself retiring overseas. My life constantly surprises me,' says Turner. Brexit has hit expats Now Andy is retired, a typical day involves walking his Cocker Spaniel, Obi, and spending time outdoors. He has joined an association that restores dry stone walls and buildings in the local area, and enjoys riding his motorcycle. According to the International Living annual Global Retirement Index report, France is the fifth best place to retire in the world. It is rated for its food, arts and scenery, as well as its healthcare system and affordable property prices. On an overall cost of living index, France and the UK rank similarly, at 63.5 and 63.9 respectively, according to the online database Numbeo. It said the cost of eating out, public transport and utilities are cheaper in France, but groceries are cheaper in the UK. Property prices vary significantly between regions, but it estimates that a non-city centre apartment would cost about £3,247 per square metre, compared to £3,674 in the UK. Andy will receive his full state pension in a few years, having filled in the gaps in his National Insurance contributions. He hasn't yet accessed his private pension savings. 'We're lucky that we have savings and are debt-free, and Jenny is now paying into a company pension,' he says. In France, British expats still get their state pension uprated each year under the triple lock, which guarantees that the payment rises by the highest of inflation, average wage growth or 2.5pc. There are an estimated 150,000 British expats living in France, according to the wealth management company Chase Buchanan. But moving there has become harder since Brexit – you now need a long-stay visa or residence permit to live in the country. This may involve proving your income meets a minimum requirement, based on the French minimum wage – about €1,400 (£1,214) a month after tax – and providing documentation such as your passport and medical insurance, plus details of where you will live. Andy says the family applied for a residence permit based on the UK's Brexit withdrawal agreement: 'It was a lot of work, but we now have a 10-year permit, and have decided to apply for nationality to protect ourselves from any future changes.' Normally you will be deemed a tax resident if you have either lived in France for at least 182 consecutive days or have registered for a residency permit. This means you will be taxed in France on your worldwide income and must submit a tax return. You may also have to submit a UK tax return if some of your income comes from there, but a double tax treaty between the two countries means you should not be taxed twice on the same income. Paying tax in France Income tax works very differently in France, and is levied on household rather than individual income. The family is divided into parts, and their total income split between the parts. The income tax rate you pay depends on this figure. The number of parts is based on the make-up of the household. For example, a married couple would have two parts, and an additional half part for each of the first two children. Income between €11,498 and €29,315is taxed at 11pc, rising to 30pc on income above this threshold and up to €83,823. The top rate of 45pc is paid on earnings above €180,294. There is also an additional high income tax for earnings above €250,000 and €500,000. Similar to our National Insurance contributions, you will also pay a second tax on income known as social charges. 'This is an aggressive tax, but you do get what you pay for in terms of the benefits,' says James Rayburn, from the international financial advice firm Wealth Genesis. 'For example, it is one of the greatest healthcare systems in the world and unemployment rights are very strong.' Bear in mind that France also has an inheritance tax, the rate of which depends on the beneficiary. Spouses, for example, inherit tax-free, while children get a €100,000 tax-free allowance and are then taxed from 5pc to 45pc. Non-relatives have an allowance of just €1,594 and are then taxed at 60pc. Income from investments, such as dividends and capital gains, are taxed at a flat rate of 30pc. Expats should get an S1 form which can reduce this tax rate and exempt them from social charges.' 'The S1 form makes a huge difference to the tax you will pay,' says Rayburn. 'This is important because there are no super-efficient ways to invest in France – there is no equivalent to an Isa or Venture Capital Trusts.' The Assurance Vie is a commonly used option for expats as a tax-efficient way of saving, says Rayburn. This is technically a type of life insurance contract, which can offer inheritance tax benefits, but also allows you to invest in a range of investments, including funds and exchange-traded funds, in a tax-efficient way. An international self-invested personal pension can also be a good choice for those who want to access their retirement savings while living abroad. These let you draw down flexibly on your funds, with the ability to withdraw the cash in different countries and currencies. To avoid being double-taxed or charged emergency tax, be sure to get a nil-rate (NT) code from HM Revenue & Customs, which lets the tax office know that you are no longer resident in the UK. 'Live like a local' Moving to a country where English is not the first language may present a problem for many British expats. 'It's important to learn the language. It's not easy but you have to make the effort,' says Andy. 'If you just socialise with people from your own country, that feels limiting to you as an individual and disrespectful to the people you're living around.' As well as learning French, he says that having children also made it easier to integrate. The biggest downside of living overseas is not being able to see family and friends often. 'You need to consider the extra travel costs if you are visiting several times a year,' says Andy. 'But it does make the time you spend together extra special.' Meanwhile, costs have gone up since Brexit, he says, and travelling back to England can take longer, with more delays at the border. 'We used to easily buy from British companies, but lots of companies won't ship to Europe now, and if they do, you pay an import tax.' But for the most part, he is happy with life in France. 'The best thing about living here is the climate. It has such a huge impact on your life and sense of wellbeing when there are 300 days of sunshine a year,' says Andy. 'In the UK, it feels like you're defined by what job you do, how much money you earn, how big your house is. This has shown me there is another way, and maybe we should all try it.' For anyone considering making the move, he suggests renting a home through different seasons to test the waters first. 'It's all very well going somewhere on holiday, but the place that is vibrant in the summer could be cold and isolated in the winter,' he says. 'Make a list of the things that are important to you, like having schools or the beach within walking distance, and then go and live like a local.'
Associated Press
08-07-2025
- Business
- Associated Press
Chase Buchanan Private Wealth Management Publishes Informative ‘Moving to France' Webinar for 2025
07/08/2025, Paphos 8035 // PRODIGY: Feature Story // Leading global financial advisory firm, Chase Buchanan Private Wealth Management, has shared its latest free webinar, offering insights and guidance for individuals planning a relocation to France and expatriates already living in the country who need to manage their wealth and finances effectively. Readily available through the company's YouTube channel, the webinar was broadcast live and includes a series of topics followed by questions submitted by real-time attendees, along with a transcript for viewers to download and read through in their own time. Content Included in the Chase Buchanan Moving to France Online Webinar Chase Buchanan Private Wealth Management has a long track record of publishing complimentary knowledge guides and resources. It has created several location-specific online videos and webinars covering areas such as taxation tips, residency schemes, and tax regimes. This newly released webinar takes a deep dive into the primary areas of decision-making expatriates need to consider when planning or after a move to France. It is presented by Alex Simpson, one of Chase Buchanan's Private Wealth Managers in France, and an accomplished adviser with 25 years of experience in the financial services space. Viewers can watch the webinar in full or flick through the sections most relevant to their circumstances, with content covering: It also provides general insights into the stumbling blocks that the Chase Buchanan team experiences most often, helping expats settling in France protect their wealth and grow their money and investments while making smart, informed financial decisions. Demand for High-Quality Content from the Private Global Wealth Managers Chase Buchanan Private Wealth Management is a highly regulated team and the holder of International Professional Partner status with the Chartered Insurance Institute – the only globally focused company in the world to hold this accreditation. The independent team makes ongoing and concerted efforts to share valuable information, noting that for many clients, having a second opinion or seeking out dedicated support from a team with in-depth knowledge of the tax systems in both the UK and France can save them a sizable amount in tax liabilities and lost opportunities. Lee Eldridge, Group CEO and Head of Investment Advisory, says, ' We are passionate about ensuring every expat, from any of the 30 countries in which our clients originate or are currently living can tap into independent, reliable guidance, especially when we know there are glaring contrasts between the tax regimes in different nations, and multiple issues that thousands of expats may encounter if they haven't completed their transition with the right advice. As the latest in our series of digital webinars and video explainers, we wanted to create a more updated video, given that so much has changed in both the British and French tax systems since our last release a year ago. Hosted by Alex, a uniquely experienced adviser with a great ability to simplify even the most complex topics, we recommend that any expat considering a move to France or who is working through the process of becoming a French resident take 45 minutes from their day to listen to the information he shares. We'd also point those in need of advisory support to access our free-to-download knowledge guides, or to contact their preferred Chase Buchanan Private Wealth Management team to schedule a no-pressure consultation to chat about their finances, wealth and relocation plans.' The Drive to Improve Awareness of Taxation Obligations for Expatriates in France Although expats often focus on their tax burdens and obligations in a new country of residence, Chase Buchanan has been quick to reiterate that understanding the tax liabilities associated with transitioning assets away from the UK may have just as meaningful an impact on their finances and net wealth. UK reforms to the Overseas Transfer Tax and major changes to the 'non-dom' tax regime have already meant that many expats have had to make immediate decisions, as their previously tax-efficient plans have become decidedly less so. Eldridge adds that, ' We want all expatriate families, professionals and retirees to be conscious of how working with a skilled wealth management team is a way to safeguard their long-term financial security. Our advice takes into account important aspects like high income tax extensions and increases in investment income taxation in France without allowing any client to go into a cross border move without ensuring their finances and assets are in the best possible shape.' The Moving to France Advice webinar is available now via the Chase Buchanan Private Wealth Management YouTube channel. Read more about Chase Buchanan- Chase Buchanan's Sector-Leading Wealth Management Teams Celebrate Latest Expansion Benchmarks With Further AppointmentsChase Buchanan Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission with CIF Licence 287/15. Media Contact: Chase Buchanan Ltd +357 2501 0455 Source published by Submit Press Release >> Chase Buchanan Private Wealth Management Publishes Informative 'Moving to France' Webinar for 2025
Associated Press
04-07-2025
- Business
- Associated Press
Planning for Succession and Inheritance Taxes in Spain for Expatriate Residents
07/03/2025, Paphos 8035 // PRODIGY: Feature Story // Spain remains one of the most popular destinations for UK expatriates, with an estimated 275,000 British nationals currently living there and a consistent number of families, professionals, and retirees relocating each year. As with any overseas move, expatriates must consider the long-term financial implications of a change in tax residency. This includes those who have been resident in Spain for some time but have yet to review their estate plans and the significant tax burdens that beneficiaries may be exposed to. Chase Buchanan Private Wealth Management, the global financial advisers and wealth managers with a long-established presence in Spain and across Europe, have put together a concise guide to explain why succession planning is so important and why it matters for expats of any age. An Overview of Succession Planning for Expats Living in Spain Succession planning is a key aspect of financial management for every family, but it is also something we often find overlooked, particularly for expatriates who aren't yet approaching retirement age. However, putting plans in place sooner rather than later may be key to long-term generational wealth protection. In brief, succession planning isn't solely about calculating inheritance tax liabilities. It is about who you would like to inherit your assets and wealth in all jurisdictions, and implementing strategies to ensure you can pass on wealth to your selected beneficiaries tax-efficiently. This can be a complex area of financial planning, given that when we start putting together succession plans, we need to consider a broad range of assets and circumstances, from property portfolios and investments to life insurance products and assets. Without a plan, some families find out too late that they have sacrificed control over nominating heirs or are subject to significant tax liabilities they had not planned for. This is wholly relevant for expats in Spain since forced heirship rules apply, something many UK nationals are unfamiliar with, but a set of regulations common in most European countries. These rules set out which direct relatives have a protected inheritance entitlement and also set out specific allowances. Understanding Inheritance Tax Rules and Rates for Spanish Tax Residents As in the UK, Spanish tax residents are usually subject to inheritance tax on their worldwide assets and wealth. That said, complications can arise where the estate owner has any ambiguity about their tax residency position or could be considered a tax resident in two places. Assuming an expat lives primarily or only in Spain, the Spanish inheritance tax rates will apply. The tax is payable by the beneficiary, regardless of whether or not they are also Spanish residents. Double tax treaties may apply, and professional advice is essential to ensure these are applied and claimed correctly. For instance, if the adult child of a Spanish tax resident inherits a property located in the UK, there may be scenarios where this is considered subject to both UK and Spanish tax. In this case, the treaties mean the largest liability will usually 'cancel out' the other to avoid a situation where the same inheritance could be taxed twice. Another complication is that inheritance tax rates vary within Spain. Each localised municipality has autonomy over the allowances and rates it applies. Generally, inheritance tax rates in Spain start at 7.65% for assets valued up to €7,993, with a top rate of 34% on inherited assets worth €797,555 or more. However, regions like Andalucia, Madrid, Murcia, the Canary Islands, and the Balearics, to name just a few, have allowances of as high as 99.9%, which all but eliminate inheritance taxes, depending on the category the recipient falls into, determined by their relationship to the deceased. Familial Inheritance Tax Allowances in Spain While noting that these do not apply in all Spanish jurisdictions, the most generous tax allowances apply to heirs in groups one to three. Group I includes children under 21, Group II applies to adult children, spouses, and parents, and Group III includes siblings, aunts or uncles, cousins, stepchildren, nephews and nieces, and in-laws. Group IV applies to all other beneficiaries, including unmarried partners in some municipalities. This excludes those within a region governed by rules that mean partners are treated the same way for tax purposes as spouses, including Valenciana and Andalucía. This means that the inheritance tax liabilities associated with your estate will depend on who you would like to receive your assets, where you live, the location of your assets, and how your wishes align with the forced heirship rules we mentioned previously. Spanish succession law applies forced heirship rules that generally state that children have a protected entitlement to receive two-thirds of the estate. This means that without advance planning, it might be impossible for a tax resident to leave the entirety of their estate to a spouse. Thus, consulting an experienced succession planning adviser who can factor in all of these considerations is essential, working with a professional who can advise if there are contrasts between the forced heirship rules and how you'd like your estate to be distributed. Why Strategic Succession Planning is Key for Spanish Expatriates Understanding the varied allowances, exemptions, tax liabilities, and the treatment of estates owned by a Spanish tax resident and inherited by an heir outside of Spain is potentially very complex. This is why detailed succession planning and accurate, up-to-date wills that are legally valid in Spain are essential aspects of financial planning. It's also worth pointing out that, under the recently revised residency rules introduced by the UK government, expatriates who divide their time between Spain and the UK or who haven't lived in Spain permanently for at least ten years are more likely to be exposed to challenges around their exposure to UK inheritance tax. Tailored succession planning isn't only focused on calculating accurate inheritance tax obligations, factoring these into finances, and deciding how best to manage an estate; it's also about gaining clarity over long-term financial tax burdens and making informed decisions without time pressures, which can pay dividends in the years to come. Read more about Chase Buchanan- Chase Buchanan Wealth Management Achieves Status as the Only Global Expat-Focused CII International Professional Partner About Chase Buchanan Private Wealth Management Chase Buchanan is a highly regulated wealth management company that specialises in providing global finance solutions for those with a global lifestyle. We are global financial advisers, supporting expatriates around the world from our regulated European headquarters, and local offices across Belgium, Canada, Canary Islands, Cyprus, France, Malta, Portugal, Spain, UK and the Buchanan Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission with CIF Licence 287/15. Source published by Submit Press Release >> Planning for Succession and Inheritance Taxes in Spain for Expatriate Residents
Associated Press
03-07-2025
- Business
- Associated Press
Chase Buchanan's Sector-Leading Wealth Management Teams Celebrate Latest Expansion Benchmarks With Further Appointments
07/03/2025, Paphos 8035 // PRODIGY: Feature Story // Chase Buchanan Private Wealth Management, an international group of specialist wealth managers, financial advisers, and tax experts, has extended its capacity owing to steep increases in demand for cross-border tax advisory services and private wealth planning assistance. The company, which has long been regarded as a leader in the wealth management sector, has offices across Europe and North America, supported by a UK Administration Centre. It cites major tax reforms, economic uncertainty, and greater awareness of the value of independent taxation advice as the reasons behind upticks in demand for its services. The Global Economic and Tax Landscape and Its Impacts on Expatriates Over recent months, there have been numerous domestic and international events that have affected the financial planning of expatriates living in diverse locations around the world, many of whom recognise that the ramifications in terms of tax exposure, living costs, and income stability may be significant. Examples include the effects of sustained high interest rates and inflation in many economies, volatile real estate markets, and sharp fluctuations in stock markets, which can impact investment portfolios, savings, retirement planning, and the decisions expatriates make around structuring, retaining, and transferring their assets. Another more recent and direct catalyst that has prompted large numbers of expats to search for regulated, reliable, and personalised advice is the sweeping array of tax reforms introduced by both the British and US governments, including measures that have specific impacts on foreign nationals resident in the UK and expatriates living as tax residents overseas. Lee Eldridge, Group CEO and Head of Investment Advisory, says, ' Our role for many years has been to provide dedicated, professional, and current advisory support to an array of clients and ensure they have informed, confident decisions about the right tax strategies, investments, and succession plans based on their personal circumstances, aspirations, and wealth. In a world where tax efficiency is paramount to maximising the security of funds and protecting wealth for future generations, it is little surprise that changes to the non-dom tax regime, reforms to inheritance taxation, and the abolishment of exemptions on certain cross border pension transfers have meant our advisers have received substantial numbers of new client enquiries that we have needed to expand our capacity to be able to accommodate.' Trends in the Cross-Border Tax Consulting Markets The global tax consultancy market was valued at $6.5 billion last year and is forecast to hit $11.2 billion within the next eight years, demonstrating the scale and pace of growth, with a compound annual growth rate of 7.5% between now and 2033. This has been driven by numerous factors, including increasing regulation necessitating more dedicated tax compliance support, globalisation contributing to consistent increases in cross-border transactions, and the emergence of more multinational companies, all of which rely on specialist tax advice to manage their liabilities. Coupled with expatriate population growth, which has increased 83% over the last 30 years, more and more individuals and families are taking advantage of low-tax environments, quality overseas education, and employment or remote working opportunities – and looking for support to manage their financial affairs. Chase Buchanan Private Wealth Management's Investments in Specialist Advisory Services The firm now has representatives working in multiple countries, including Belgium, Canada, Portugal, Spain, Cyprus, France, Malta, and the USA, and it has concentrated on appointing new team members and support staff to reinforce its scope to accept new clients or provide additional assistance to ongoing clients in need of customised advice. Eldridge adds, ' We recognised the importance of underpinning our financial and tax advisory teams to accommodate the ever-increasing demand for higher-quality cross-border tax advice and used this opportunity to welcome specialists in specific tax regimes, categories and jurisdictions to join the Chase Buchanan teams around the world. We now provide advisory support across a range of specialisms, including expatriate taxation, commercial law, global investment management, pension transfers, wealth taxation, and inheritance planning, bringing together a collective of talent that ensures every client can access the knowledge and expertise they need in one place. Following this expansion initiative, Chase Buchanan now comprises two experienced Business Development Managers, three accomplished Tax Advisers and Consultants, 20 talented Private Wealth Managers and Regional Managers, and our multi-talented operations and administration teams. Led by myself and Darren Fletcher, our Head of Global Sales, we have recruited high-calibre professionals with diverse experience working in varied areas of financial advice. We blend our respective expertise to ensure our services are comprehensive in every location.' Read more about Chase Buchanan- Chase Buchanan Wealth Management Achieves Status as the Only Global Expat-Focused CII International Professional Partner About Chase Buchanan Private Wealth Management Chase Buchanan is a highly regulated wealth management company that specialises in providing global finance solutions for those with a global lifestyle. We are global financial advisers, supporting expatriates around the world from our regulated European headquarters, and local offices across Belgium, Canada, Canary Islands, Cyprus, France, Malta, Portugal, Spain, UK and the USA. All investments carry risk, including the potential loss of capital. You should carefully consider whether investing is suitable for you, taking into account your personal circumstances, financial situation, and risk tolerance. Chase Buchanan Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission with CIF Licence 287/15. Media Contact: Chase Buchanan Ltd +357 2501 0455
Associated Press
30-05-2025
- Business
- Associated Press
Chase Buchanan Wealth Management Achieves Status as the Only Global Expat-Focused CII International Professional Partner
05/30/2025, Paphos 8035 // PRODIGY: Feature Story // Chase Buchanan Wealth Management, a leading global wealth management and financial advisory provider, has unveiled its latest achievement. It has successfully applied to become an International Professional Partner Firm of the Chartered Insurance Institute (CII), the professional body concentrating on the insurance and financial planning sectors. Being recognised through the voluntary application process demonstrates the company's dedication to upholding the highest professional standards. Partner firms prove their alignment with the CII Code of Ethics, demonstrate their investments in workforce professional development and showcase efforts to establish best practices in the profession. The Significance of Chase Buchanan's Achievement as a CII International Professional Partner Firm Chase Buchanan has become the singular organisation operating in the private wealth management space and providing dedicated support services for international expatriates across Europe to hold CII International Professional Partner Firm membership. This positions the already established company as a provider of choice both for financial advisory clients and the professional tax, finance and investment specialists working throughout its offices. Partner firms adhere to three core CII principles, including commitments to: While Chase Buchanan has long advocated for ethics-focused advice and has published numerous guides offering education about the reasons expatriates should always source support from properly accredited and regulated financial advisers, working as a CII partner cements its position. Why CII International Professional Partner Status Ties Into Chase Buchanan's Objectives The international company has earned a reputation for personalised, bespoke, and reliable advice and for the breadth of its services. These span financial and succession planning, investment advisory, and wealth management expertise, and mean the partnership status perfectly fits into the group's framework. As the newest company permitted to use the IPPF designation and display the CII International Professional Partner Firm logo, Chase Buchanan joins a number of well-regarded financial services and insurance providers. Still, it is uniquely the only wealth management firm in Europe solely focused on providing professional support for expatriates. Lee Eldridge, Group CEO and Head of Investment Advisory at Chase Buchanan, says, 'We have always provided first-class services and access to the finest advisory support across all our international teams, ensuring that expatriates and global investors make informed and confident decisions based on the parameters that matter most to them. CII International Professional Partner Firm status fits into this seamlessly and represents the way we have worked over the years to establish long-standing, trusted relationships with our clients. Individuals and families depend on our advisers and wealth managers to provide exceptional professional support while keeping a keen eye on the best ways to protect their wealth for future generations. Working with the CII to become a recognised partner is the latest step in our development, and something we are proud to hold as a global wealth management firm, with an overarching aim to always deliver reliable, impartial advice. This is also a great opportunity to acknowledge our outstanding advisers, who hold exceptionally high qualifications and accreditations, and who embody the Chase Buchanan spirit of accessible, jargon-free, and friendly communications without the complexities that can make financial decision-making seem harder to navigate.' The Background of Chase Buchanan Wealth Management Chase Buchanan's motto is 'trusted advice made simple,' which is borne out by the many positive testimonials published by clients. They value the transparency around fees and commissions, the personalisation of recommendation reports, and the assurance that the wealth management firm is entirely independent. Chase Buchanan is a privately owned organisation committed to independent ownership to avoid prevalent issues around limited advice or product offerings. It offers unbiased advice from professionals qualified to an elevated standard and supported by a team of Chartered Tax Advisers and a specialist Tax Barrister. To date, the company has nine international offices supported by a UK Administration Centre. It has invested significantly in expanding capacity to meet the continually higher demand for professional advisory assistance for expatriates and businesses with assets and interests across borders. Read more about Chase Buchanan- Experienced Tax Specialists at Chase Buchanan Wealth Management Reflect on the Changing 2025 Global Economic Landscape About Chase Buchanan Private Wealth Management Chase Buchanan is a highly regulated wealth management company that specialises in providing global finance solutions for those with a global lifestyle. We are global financial advisers, supporting expatriates around the world from our regulated European headquarters, and local offices across Belgium, Canada, Canary Islands, Cyprus, France, Malta, Portugal, Spain, UK and the USA. All investments carry risk, including the potential loss of capital. You should carefully consider whether investing is suitable for you, taking into account your personal circumstances, financial situation, and risk tolerance. Chase Buchanan Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission with CIF Licence 287/15. Media Contact: Chase Buchanan Ltd +357 2501 0455
