Investment Management
  We understand that your circumstances change and that your investment objectives can evolve. We always take the time to listen to your requirements and regularly review your portfolio to ensure it is still meeting your individual needs.

Clients can expect a tailored made service, underpinned by a well-researched investment process, designed to deliver appropriate risk-adjusted returns.

  We assess the various investment schemes to ensure that the investment arrangement type best fits your financial affairs. Included with this, you will receive a customised bespoke investment allocation, and personal investment planning advice, together with the appropriate tax advice befitting your personal circumstances.

Tax Mitigation
With the introduction of the Common Reporting Standards together with the complexity and changing nature of the numerous EU tax systems, means that planning for tax liabilities is more important than ever. Careful planning of your tax arrangements is vital in ensuring your finances are working for you.

In addition to this, passing on wealth to future generations is also important, and therefore, Inheritance Tax mitigation is an important factor to consider.

Carefully planning the financial affairs of your estate is essential to ensure that you can pass on the maximum benefit to your beneficiaries.  We can provide advice on succession and Inheritance Tax issues, utilising Trusts and settlements for your beneficiaries during your lifetime.
Pensions & Retirement
Many of our clients find that their largest single asset is their pension. We offer an individually tailored service that means we can look after your pension assets as your pension requirements evolve. There are numerous choices and options available, both in the UK and overseas, and we can guide you through every option and advise accordingly in this complex process.

There are three main phases in the retirement planning process.

"Pre-Retirement" ensures that you have sufficient capital in retirement.
"At Retirement" consists of the review of the retirement options available.
And finally, "Post Retirement" consists of optimising benefits to meet specific income requirements with careful capital management and tax advice.
PFM's Clear Quest is a tax mitigation scheme specifically designed for the Portuguese expatriate.
Clear Quest legitimately reduces income taxes using the Portuguese tax regime. It is fully flexible to adapt to changes in tax legislation.
Clear Quest can reduce tax rates to as little as 4% on your investment income received.
We consider that the most important element is the management of your money. Therefore, we review client portfolios monthly, and NOT every 6 or 12 months as is the norm with financial advisory firms generally.
Our InvestClever system identifies weaknesses and we will act accordingly and immediately. 
We are conscious of investment fees and costs. During reviews of other companies' portfolios, we often see investment products with total charges of 3% per annum or more.
Clients are either not informed or do not appreciate the way in which investment products are put together. Our Asset service assesses costs and we can then offer a viable alternative.