Expatriate Taxation & Financial Services

The Fee Only Financial Adviser

Testimonials


Fee Based Financial Services & Taxation Advice

"We do not sell or recommend commission paying products."

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.

Commission Agent versus Fee Adviser


£250,000 capital invested over a 10 year period term, with an assumed growth rate of 6% per annum less charges.

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Portugal's Non Habitual Residency Regime

"Tax Exemption on Foreign Income"

Find out more about Portugal's Non Habitual Resident regime.

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Financial Services & Taxation


Taxation Services

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.

Pension & Retirement Services

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.

Investment Services

Our investment strategies cover investment bonds, offshore investments, offshore companies and Trusts. In addition, our clients can take advantage of investment advice and management from our highly regulated investment management partners, where clients of PFM receive generous concessionary fee terms.

UK Inheritance Tax & Estate Planning

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.

Specialist Services


Cash Flow Planning

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.

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Invest Clever Client Service

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".

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Investment Charges Assessment

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.

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Cross Border Taxation


UK Taxation

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.

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Portugal Taxation

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.

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F.A.Q


Yes. We offer true independent financial products and solutions. 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.
All other European financial advisers get their remuneration from commissions paid to them by the investment companies. This commission is derived from the charges levied on your invested capital. These charges can be extremely high, often as much as 3% per annum and sometimes more. These high charges will impede your capital return. Furthermore, an investor may also suffer redemption penalties as high as 10% of their capital value if they want to access their capital in the short term.

We prefer to charge fees for our financial services rendered, so that our clients get the most economical charges with the investment companies, attain optimum investment returns, and at the same time avoiding exit redemption penalties on their 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 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.
Private Fund Management is an authorised representative of Abana Lda. Abana Lda is 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.

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.
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. 
We DO NOT handle your capital or money. All transactions when investments and pensions are facilitated are conduct directly to the third party financial institution.
No - we are not investment fund managers nor are we stockbrokers.

Contact Us


  • Av. José dos Santos Farias, 8135-167 Almancil, Portugal
  • Lote 83/84, Loja 1, Almancil, 8135-167
  • +351 289 392 484
  • info@privatefund.management
  • Weekdays: 9.30 am to 5.00 pm UK Head Office: 11 Axis Court, Mallard Way, Swansea Vale, Swansea, SA7 0AJ, UK. Private Fund Management is an authorised representative of Abana Lda. Abana Lda is 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.