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. Davies - 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
"No tax on pension income"
Find out more about Portugal's Non Habitual Resident regime.
Portugal & Spain
Beneficial tax regimes such as Non Habitual Residency, and other pension & Investment tax advantages.
Yes. We offer true independent financial advice. We are not connected to any financial institution, financially or otherwise. In addition, our services are rendered on a fee basis, and thus, we do not rely upon commissions that are paid by investment companies. Therefore, we are not dependent upon these companies, as other financial advisers are.
How secure is my capital?
We only recommend financial institutions that operate with segregated client accounts and where client assets are "divorced" from the assets and liabilities of the financial institution. Therefore, in the unlikely event that one of our recommended financial institutions were to enter into insolvency, your capital is protected.
We adopt further caution as to where these financial institutions are based. For example, we do not recommend any financial institution operating from countries such as Portugal, Spain, Luxembourg or Liechtenstein, as insolvency laws in these countries dictate that client assets form part of the insolvency procedures. We therefore avoid institutions in these countries as we do not want our clients to become part of the mass bankruptcy proceedings of any financial group.
Where are you regulated and by whom?
We are regulated in Portugal by the ASF and in the UK by the Financial Conduct Authority.
For the British expatriate, financial planning will involve financial aspects in both the UK and Portugal. Therefore, a firm regulated to provide financial and taxation advice and management advice in these two countries can be the optimal situation for UK expatriates.
We are one of few advisory firms that possess such regulation and one of very few firms that are regulated in the country that we operate in.
Which financial institutions do you recommend?
We recommend many. With all, we conduct and continue to conduct our due diligence on each to ensure that these financial institutions are financially viable. Some of the financial institutions that we recommend have been in business a long time, one such UK company being established in 1742 - 276 years ago.
Weekdays: 9.30 am to 5.00 pm
Private Fund Management is an authorised representative of Abana Lda, authorised and regulated by the Insurance and Pension Funds Supervisory Authority in Portugal (“ASF”) with registration number 412378472 and subject to limited regulation by the Financial Conduct Authority (“FCA”) number 597069.