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 financial services advice covers tax shelters, insurance bonds, "wrappers", offshore structures and Trusts. Our clients can often reduce Income Tax or Capital Gains Tax liabilities, or reduce the tax rate applying to capital gains. Our investment management partners are EU & UK regulated, coupled with enviable returns.
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.