Chartered Financial Adviser MiFID II licence

Independent Financial Advice for Expats in Portugal and the EU.

Transparent, Lean-fee Policy.

 

 

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UK and US  Pension Planning

Discover better UK and US pension planning with more options, lower fees, and access to a wider choice of solutions. 

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Portuguese Compliant Investments

Tax-efficient investments in Portugal. Secure your tax rate on income of 11.2% for life.

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New Strategy for the End of NHR

Live in Portugal after the end of NHR without facing higher rates of taxation.

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Managed Investment Platforms

A low-cost, flexible structure to hold your funds, ETF’s, stocks and shares.

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Financial Planning for American Expats

We offer US-compliant IRA-protected solutions and US  tax-optimised model portfolio services.

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Tailored Financial Planning for Your Unique Goals

Bespoke financial planning with personalised strategies.

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We operate under a MiFID II Licence –

Providing You With The Highest Level of Protection

A MIFID II licence is a synonym of fee transparency and greater client protection. Dealing with a firm that works directly under this type of licence is highly beneficial and corelates with lower fees for you.

Our Senior Financial Adviser is Chartered

by The Chartered Institute of Securities and Investments

Learn about Chartered status, other possible IFA qualifications on the market, and why you should ask your Adviser about it.

What Clients are Saying

Following my move to become resident in Portugal and the retirement of my UK based IFA, Phil adopted my SIPP and helped optimise it for growth and helped make sure I maximised applicable tax savings.
A safe pair of hands!

Mr. B, Retired in the Algarve

“I have known Phil for a few years and as an ex-Private Banker myself (now retired), I have been impressed with his knowledge and care. A highly-recommended , knowledgeable professional. “

Mr. S, Portugal

“My investments are all moving in an upward trajectory due to Phil’s sound and well-researched advice, while balancing this with my requirement for a medium risk portfolio.
Thank you, Phil. “

J.M. Country Mgr

Our Articles

Important Financial Considerations
for Expatriate Life in Portugal

How To Decide Which Financial Adviser To Work With

  Finding a financial adviser you can trust is essential for securing your financial future. With so many options available, it’s easy to feel overwhelmed. Discuss the following key aspects with any potential adviser to ensure they offer the right level of...

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UK Inheritance Tax for Non-UK Residents: Take Action Now

  The UK Government’s October 2024 Budget has brought significant changes to UK inheritance tax (IHT) rules for non-UK residents. These adjustments, effective from 6 April 2025, aim to clarify tax obligations for individuals who live abroad. While primarily...

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An Ultimate Guide to the Financial Portal in Portugal

The Financial Portal in Portugal, commonly referred to as the Portal das Finanças, serves as a crucial online resource for individuals and businesses to manage their tax and financial obligations in Portugal. It is designed to streamline interactions with the...

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