PFM was recommended to me 18 months ago. They declared the costs and fees that my previous advisers were charging. I was astounded. They restructured my affairs and saved me over £7000 a year.F. Paige Jones - Lisbon
I have lived in Portugal a long time. I have been approached by many financial firms whilst here, always looking to "sell" investment products. PFM are different. They recommend what is right for you and offer options. Open, friendly and trustworthy.J. D - Vale do Lobo
Highly recommended. Seen the others, and there is no comparison. I now refer my friends. Need I say more?P. Christian - Lisbon
I hope all is well with you. I must say thank you for moving my pension. It has made more money in 6 months with you than it did in 3 years with my previous Algarve financial advisers.K. Millington - Algarve
We are extremely happy with the services provided. Have known the advisers there and been a client of theirs for several years, I would recommend them to anyone.W. Leonard - Quinta do Lago
Friendly and efficient. Private Fund are a delight to work with and nothing is too much trouble. If you are a UK expat, you will need Private Fund to guide you.B. Fillery - Alvor
The majority of financial advisers in Europe are remunerated by commissions and commission paying products. This commission is recouped from high charges that you, the investor pays. We charge our clients fees for financial solutions that lead to low cost investment products and lower charges, resulting in better capital performance returns for you. This applies to all types of investments, including pension transfers to international pensions such as QROPs.
Find out more about Portugal's Non Habitual Resident regime.
Expatriate taxation is complicated, and Non Habitual Residency (NHR) in Portugal may not always be suitable. We will consider UK expat tax rules, and taxes in Portugal, explaining the advantages and disadvantages of the various tax regimes and offer tax mitigation strategies. We also provide tax services for expats returning to the UK.
Retiring to Portugal - QROPs Benefits, UK Pension Transfers, and Retirement advice. For many, their pension is an important asset for their retirement. With the new pension freedoms, retirement options have become more complex, and with this flexible access, higher tax liabilities can be incurred.
Our investment advice covers tax shelters, investment bonds, offshore investments, and Trusts. Our clients can often offset Capital Gains Tax arising from Portuguese property, for example, or reduce the tax rate applying to investment profits. Our investment management partners are highly regulated, and our clients receive generous concessionary fee terms.
Estate planning remains essential. Many believe that moving to Portugal will exempt them from UK Inheritance tax, as Portugal abolished their tax in 2004. However, being UK domiciled will continue to expose your estate to the onerous Inheritance tax rates.
Cash flow planning is an analysis of your financial data for assessment taking into account lifetime events. From the analysis, you will get an easy to understand financial management plan to retirement and thereafter. An essential financial planning report.Learn More
Our highly regulated investment management partners will review your portfolio on a daily basis and report to you monthly. Other financial firms will review investment portfolios every 6 or 12 months, thus identifying problems or value damage "too late in the day".Learn More
Investors often have financial products (pension and investment) with high charges. These charges can be more than 3% per year in total. We analyse and assess as to how these charges and fees impede your investment performance and offer solutions to rectify this.Learn More
Taxation is complex so tax planning advice is essential. Many complex questions will arise, complicated further by the cross border taxation issues which overlap. As such, we will address your taxation concerns. We also offer advice to British expats returning to the UK.Learn More
Portugal has very beneficial tax regimes such as Non Habitual Resident (NHR), but also offer other pension & investment tax advantages as well. You will need plan your financial affairs to take advantage of these benefits and tax mitigate where possible.Learn More