Why Financial Advice in Portugal Matters More Than Ever

Featuring Luso Financial Planning – www.lusofinancial.com

Portugal has become one of Europe’s most desirable places to live and retire. Its stunning coastline, vibrant cities, and attractive tax regimes like the Non-Habitual Resident (NHR) status have drawn thousands of expatriates from around the world.

But moving your life—and your wealth—to a new country also brings complexity: new tax rules, different legal systems, and the need to protect your assets across borders. That’s why professional, locally informed financial advice is so important in Portugal.

At Luso Financial Planning, we specialise in guiding expatriates and returning Portuguese residents to build, protect, and enjoy their wealth with confidence.

🌍 Why Financial Planning in Portugal Is Different

Portugal is unique for several reasons:

✅ Tax incentives like NHR: The NHR regime offers significant tax breaks for qualifying new residents—but it only lasts for 10 years. Planning for what comes next is crucial.

✅ Cross-border assets: Many expats keep pensions, property, or investments in other countries. Coordinating these with Portuguese tax rules can be complex.

✅ Forced heirship rules: Portugal’s inheritance laws can force assets to go to certain heirs, potentially conflicting with your wishes.

✅ Currency considerations: Your income or assets may be in sterling, dollars, or other currencies, while your spending is in euros—exposing you to exchange rate risk.

These factors make off-the-shelf solutions inadequate. You need tailored advice grounded in both local knowledge and international expertise.

🧭 What Good Financial Advice Covers

At Luso Financial Planning, we provide a comprehensive service that typically includes:

Tax Planning

• Navigating NHR benefits and knowing when and how to apply.

• Planning for when NHR expires to avoid sudden tax shocks.

• Structuring income and assets tax-efficiently within Portuguese law.

Investment Strategy

• Building diversified portfolios suited to your goals and risk tolerance.

• Using tax-efficient structures like EU-regulated insurance wrappers to defer tax and potentially reduce the effective tax rate on investment gains.

• Managing currency risk.

Retirement & Pension Planning

• Assessing your pension options, such as QROPS for UK nationals.

• Creating sustainable income plans for life in Portugal.

• Aligning your retirement strategy with your tax planning.

Estate & Succession Planning

• Helping you understand Portugal’s forced heirship rules.

• Using tools like insurance wrappers to name beneficiaries directly and simplify succession.

• Minimising inheritance tax liabilities where possible.

🤝 Why Choose Luso Financial Planning?

At Luso Financial Planning, we:

• Focus exclusively on Portugal and the unique challenges faced by expatriates and returning residents.

• Combine local expertise with an international perspective.

• Tailor every plan to the client’s personal goals, family situation, and cross-border assets.

Most importantly, we help our clients feel confident about their future in Portugal—so they can enjoy the lifestyle they moved here to experience.

✅ Start Planning Today

Whether you’re already living in Portugal, considering a move, or approaching the end of your NHR period, now is the right time to review your finances.

Visit www.lusofinancial.com to learn more or to arrange a personal consultation. Together, we’ll help you secure, grow, and protect your wealth in Portugal.