Logic Financial Consultants SL

At Logic we are a family-run, award winningfinancial services company, located in Javea on Spain´s Northern Costa Blanca, offering advice to expatriates living in Spain.  We can help clients in numerous areas of financial planning, including investmentspensions and taxation.

We have over 45 years combined experience in both the UK and Spain and are fully regulated and licenced to give Financial Advice in Europe.  Moreover, we have two qualified advisors (Ian and George) who both hold the Diploma in Regulated Financial Planning, awarded by the CII (Chartered Insurance Institute).

Being a family-run business, our unique business model is where we differentiate ourselves compared to our competitors.  With no large overheads or directors to pay profits to, we are able to keep our fees low and not charge clients high commissions to work on their behalf.  Instead, we work on an open and transparent fee basis only, disclosing all fees to clients before any recommendations are taken foreword.  A free initial consultation is available to everyone.

For many individuals, a lot of initial questions stem from queries or uncertainty around tax.  Whether that be the difference in tax systems between the UK and Spain, ongoing or future tax considerations here in Spain, or simply trying to find the most tax-efficient products enabling them to invest- we can help.

We work with a select number of professional connections both here in Spain and the UK and can liaise with these specialists in the event that there is a need for further financial planning exercises outside our remit.  One of particular importance for clients moving from the UK to Spain is a cross-border tax specialist, as it is always beneficial to make sure financial affairs are in order before changing tax residency.

Services we Provide:

Wealth Management Services: Holistic approach

Investment Planning and Solutions

Full Pension Review

Tax Planning: Including Cross-Border (UK and Spain)


Ian Whitby (DipPFS & EFA)

George Whitby (DipPFS & EFA)


Joe Whitby


I contacted Ian Whitby of Logic at a time in my financial life when I most needed secure professional help. What I did not expect though was the friendliness, monthly home visits, attention to detail, pure professional advice and their knowledge of world markets with which Logic have placed my investment in what I feel is the very best available.
I have been helped by other financial advisors in the past... and they were very good but I have to say that Logic are the very best.
My wife and I consider ourselves very lucky to have met Ian, George and Joe, the quality of their service to clients goes way beyond anything that anyone would expect.



Having decided to retire early, I spoke with my accountant about my current financial situation. As this was not his field of expertise, he suggested that I contact Logical Financial Consultants. I made an initial phone call to Ian Whitby, explained what I was attempting to do. He was very helpful and gave me some initial advice, followed up by and email with information regarding his company etc. This was further followed up by a call with Ian checking I had received all the information they had sent. During the initial call and the subsequent calls all advice given was without obligation and I felt under no pressure, which was unusual but refreshing. My initial impressions were very positive and I liked the idea of a family run business.
The service provided has been second to none. Ian, George and Joe, have been very approachable, extremely knowledgeable and always willing to go the extra mile. They have more than met my expectations, despite having some tight deadlines to meet in order to achieve my ultimate goal. If they say they will update you at the end of the week, that's exactly what happened. My Financial Advisor in the U.K. told me what I was trying to achieve was impossible, but Logic made it happen. I would not hesitate to recommend this company to my family or friends, my experience has been nothing but very positive. The very personal approach from Logic, made me feel that my investment could not have been in safer hands.



We moved to Lanzarote at the beginning of 2017 and soon realised that there were a number of issues that we would have to address from the point of view of our long term finances. It also became obvious that this was a job for the professionals and we count ourselves very fortunate to have picked the phone up to Logic. We were immediately struck by their depth of knowledge of how things work both in the UK and in Spain. We were able to meet Ian Whitby (and latterly George) face to face and we have been very impressed with their professional and friendly outlook.
What stood out to us is that they included both of us in their advice and the decision making process unlike some advisers who will only address the man. They can readily identify what will work and what won´t according to your circumstances. One of our best day´s work since we left the UK.

M.H.J & A.M.J



Areas Covered

Els Poblets
Gran Alacant
Orihuela Costa