Financial Planning for Expatriates in Portugal: Build a Secure Future with Luso Financial Planning

Moving to Portugal offers an enviable lifestyle—sunshine, stunning landscapes, rich culture, and an attractive tax regime. But living as an expatriate also brings financial challenges that require careful planning: from navigating the Portuguese tax system and estate planning rules to making sure your investments remain tax-efficient.

At Luso Financial Planning, we specialise in helping international residents make the most of their financial life in Portugal. Here’s why professional financial planning matters for expatriates—and how we can help.

Why Financial Planning in Portugal Is Different

Portugal has become a top destination for expatriates thanks to its Non-Habitual Resident (NHR) regime, relatively low cost of living, and quality of life. But there are unique considerations:

✅ Complex tax residency rules: Understanding when you become tax resident and how your global income is taxed is essential to avoid unexpected liabilities.

✅ Changing tax landscape: The NHR regime offers tax benefits, but it lasts only 10 years—and recent reforms have altered some exemptions, especially for pension income.

✅ Cross-border assets: Many expatriates hold assets in multiple countries, which can create exposure to double taxation, estate taxes, and reporting obligations.

✅ Currency risk: Living expenses are in euros, while assets or income might be in sterling, dollars, or other currencies.

✅ Retirement and estate planning: Portuguese inheritance rules (forced heirship) and taxes can affect how you pass wealth to your family.

Key Areas of Financial Planning for Expats

🧭 Tax Planning

Portugal’s tax system rewards those who plan ahead. We help clients:

• Understand NHR eligibility and benefits.

• Plan for the period after NHR expires.

• Structure income and assets tax-efficiently.

💼 Investment Strategies

We design globally diversified investment portfolios that:

• Match your risk profile and time horizon.

• Optimise tax treatment, for instance through insurance wrappers (tax-efficient investment vehicles regulated in the EU).

• Protect against currency risk.

🏡 Estate & Succession Planning

Portuguese inheritance laws can conflict with your wishes if you’re not careful. We help:

• Create estate plans that align with your family goals.

• Use trusts or insurance wrappers to manage forced heirship risks.

• Simplify wealth transfer to your heirs.

📊 Retirement Planning

Whether drawing from foreign pensions or building local retirement savings, we help ensure:

• Sustainable income throughout retirement.

• Efficient pension transfers (e.g., QROPS for UK nationals).

• Protection against inflation and market volatility.

Why Work with Luso Financial Planning?

At Luso Financial Planning, we are dedicated to supporting expatriates and returning Portuguese residents at every stage of their financial journey. We combine local expertise with international perspective to help you:

• Reduce tax exposure.

• Grow and protect your wealth.

• Adapt your plan as your life changes.

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Whether you’re planning your move, enjoying your first years in Portugal, or preparing for life after NHR, the right advice makes all the difference.

Contact us at www.lusofinancial.com to arrange a consultation—and discover how expert financial planning can give you peace of mind in Portugal.