Expatriate Taxation & Financial Services

The Fee Only Financial Adviser

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Testimonials

     

 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
  

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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Portuguese Tax Compliant Investment Account

"Tax Exemption on Foreign Income"

Our Portuguese Tax Compliant Investment Account can protect and substantially reduce your exposure to taxation. To find out more on this exclusive tax mitigation structure, please complete below.

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Financial Services & Taxation

Taxation Services

Expatriate taxation is complicated, and the Portuguese tax regime more so than others. 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.

Financial Services

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.

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 and future plans. 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 reputable investment partners will review your portfolio on a daily basis and report to you monthly. Other financial firms will review investment portfolios every 12 months or so, thus identifying problems or value damage "too late in the day".

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Investment Charges Assessment

Investors often have pension and investment accounts with high charges. These costs can be more than 3% per year. We analyse and assess as to how these fees impede your portfolio performance and offer solutions to reduce costs.

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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

With the end of Portugal's Non Habitual Resident (NHR) tax regime, we can still assist Expats with a substantial reduction in taxation. Some certain individuals can still apply for NHR in 2024, if it can be proven that they began the residence application process in 2023.

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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 a representative of Adviser Platform Lda. Adviser Platform, Lda (APL) is regulated in Portugal by the Insurance and Pension Funds Supervisory Authority (ASF) Licence No. 607124296, and in the UK, subject to limited regulation by the Financial Conduct Authority with registration No 825539 under TPR rules.

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.

Contact

  • Av. José dos Santos Farias, 8135-167 Almancil, Portugal
  • Lote 83/84, Loja 1, Almancil, 8135-167

Our Regulation

Private Fund Management is an authorised representative of Adviser Platform Lda. Adviser Platform Lda and Private Fund Management are authorised and regulated by the Autoridade de Supervisão de Seguros e Fundos de Pensões (Insurance and Pension Funds Supervisory Authority) in Portugal with registration number 607124296.

Please note that Private Fund Management is not regulated by or registered with the CMVM (Comissão do Mercado de Valores Mobiliários) and thus, we are not entitled to provide any investment intermediation services involving financial instruments in Portugal.